Financial Model, Financial Services, Investing, Loans & Lending Businesses, Loans and Debt, Peer to Peer Lending (P2P), Personal Finance

5-year Financial Projections, Break-Even, Budget, Budgeting, Business Valuation, Cash Flow Projections, Cash-on-Cash Multiple, CFO, Dashboard, Debt Amortization, Debt Schedule, Debt Service Coverage, Excel, Financial Analysis, Financial Debt, Financial Feasibility, Financial Model, Financial Modeling, Financial Planning, Financial Projections, Financial Ratios, Financial Reporting, Financial Statements, Financing, Forecast, Forecasting, Fundraising, Interest Accrual, Investment Multiple, Investor Cash Flows, Investors, IRR (Internal Rate of Return), Loans, Management, NPV (Net Present Value), Payback Period, Private Equity Waterfall Distribution Models, Revenue Projections, Scenario Analysis, Sensitivity Analysis, Startup Financial Models, Terminal Value, Three Statement Model | Three Financial Statements, Uses and Sources of Funds, Valuation, WACC (Weighted Average Cost of Capital)

Crowdlending, also known as peer-to-peer (P2P) lending, is a type of crowdfunding that involves lending money to individuals or businesses. Crowdlending platforms act as intermediaries between borrowers and lenders and facilitate the lending process. Borrowers submit loan applications on crowdlending platforms, and investors can choose to fund these loans. Crowdlending platforms typically perform a credit check on borrowers and vet loan applications to reduce the risk for investors. Once a loan is funded, the borrower makes periodic repayments to the lending company with interest. Repayments are made through the crowdlending platform, and investors can choose to withdraw their money or reinvest it in other loans. Interest rates on crowd loans are often higher than those offered by traditional financial institutions, making it an attractive option for investors to earn passive income. Crowdlending is a relatively new concept in the FinTech Industry, but it has recently gained popularity as an alternative to traditional lending.

This Financial Model presents an advanced 5-year financial plan for a startup Crowdlending Platform and is a flexible tool for business owners to forecast their financial and operational activities and project their returns on investment. The model includes assumptions and calculations of  Platform Development, Loans Volume & Terms, Revenue from Interest and other transactions related fees, Ancillary Revenue from Advertising, Payroll, Cost of Sales & Operating Expenses, Fixed Assets & Depreciation, Financing through Debt & Equity and Exit Valuation assumptions in case of a potential sale of the business.

The structure of the template follows Financial Modeling Best Practices principles and is fully customizable.

Detailed instructions for the functionality of the model are included in the Excel file.

Model Inputs and Setup Reports:
• General Setup Assumptions, incl. Platform Development & Company Setup Costs, Loans Volumes & Terms, Sources of Revenue & Cost of Sales and Financing (Debt & Equity)
• Payroll, OpEx, VAT and Annual Capex, incl. Depreciation Schedule
• Model Supporting Calculations incl. Total Transactions, Loan Schedules, Revenue & Service Related Costs, OpEX, etc.
• WACC Calculation & Comparable Companies Valuation Analysis

Output Reports:
• 5-Year Monthly Budget Analysis and Monthly Budget Summary per Year
• 5-Year Annual Financial Statements (3 Statement model)
• Break-Even Analysis
• KPIs & Financial Ratios, including several Profitability, Efficiency, Liquidity, and Leverage (Solvency) Ratios
• Dupont Analysis
• Performance Dashboard
• Business Valuation, including DCF Model, Return Metrics (NPV, EV, IRR, MOIC, Payback, etc.), and Sensitivity Analysis
• Investors Returns Waterfall Model
• Professional Executive Summary

Help & Support

Committed to high quality and customer satisfaction, all our templates follow best-practice financial modeling principles and are thoughtfully and carefully designed, keeping the user’s needs and comfort in mind.

Whether you have no experience or are well-versed in finance, accounting, and the use of Microsoft Excel, our professional financial models are the right tools to boost your business operations!

If you experience any difficulty while using this template and cannot find the appropriate guidance in the provided instructions, please feel free to contact us for assistance.

If you need a template customized for your business requirements, please e-mail us and provide a brief explanation of your specific needs.