Loans
Banks and other lending institutions lend to borrowers for an agreed interest rate. The money in banks is from depositors’ accounts which charged a little interest such as savings account and money market accounts. Most financiers, especially banks, ask for collateral to secure the loan. But there are also unsecured loans such as personal loans, student loans, and credit cards. The financial model templates here are related to loans and businesses related to providing loans.
Consumer Loan Model Template
The Consumer Loan model breaks down the financing structure of a bundle of consumer loans absorbed by a lender. This calculates Lender cash flows before and after Senior Debt is paid.