FINTECH BUDGET FINANCIAL MODEL KEY FEATURES
Graphical visualization in a convenient dashboard all in one
All necessary reports and calculations, including variable data for your easement, are displayed on a convenient Financial Model Excel dashboard tab. You do not need to move between sheets to compare important data – everything is visible immediately.
Avoid cash flow problems.
Cash flow, and especially Cash Flow Statement Proforma from operations, is the lifeblood of your business – do not ignore it! The level of cash flow in your company dictates the decisions you can make and how quickly you can grow your business. So you should monitor and manage cash flow regularly. Monthly cash flow forecasting will give you a current view of the cash inflows and outflows within your business and also what the next period looks like. Regular Projected Cash Flow Statement forecasting can highlight where cash gaps will be in the future and where there could be improvements made. Most importantly, a Pro Forma Cash Flow Projection will give you a good idea of the health of your business cash flow at a glance. Finding potential cash flow gaps ahead of time can save you and your business both time and money. You can make decisions and take actions before things get too bad, ensuring your Cash Flow Statement is maintained, based on your forecasts.
Build your plan and pitch for funding
Impress bankers and investors with a proven, solid fintech financial model that impresses every time.
Gaining trust from stakeholders
Investors and financing providers tend to think in terms of the big picture. They want the c-level of the companies they invest in to do the same to ensure they maintain a clear idea of the future. Providing stakeholders with a monthly cash flow statement projection will demonstrate a level of awareness that leads to confidence and trust and will make it easier to raise more investment.
Run different scenarios
A Pro Forma Cash Flow Projection shows you what your cash balance will look like taking into account the numbers you put into the template. It means you can play with the various variables that impact your cash flow forecast, i.e., wages, sales inflow, supplier payments, taxes, and so on. By adjusting the input amounts, you will be able to see what impact they will have on your businesses’ cash flow and when this impact is likely to occur. A well-known example of this is the ability to forecast the effect a new member of staff might have on your cash flow over different periods. Increase the wage costs and see what happens to your cash flow. Running different scenarios in your Cash Flow Statement Projection can have several benefits.
Identify cash gaps and surpluses before they happen.
Forecasting your future cash balance helps you see well in advance when you may have a cash deficit that could hurt your business. Startup Cash Flow Statement will give you enough time to take action to prevent a crisis. It will enable you to access better loan rates or speed up incoming payment to bridge the gap. On the other side, if you know ahead of time that the large lump of cash will lay in your bank account within the next three months. In this case, you might need to explore options to reinvest it in your business to drive growth.
REPORTS and INPUTS
In the Top expenses section of our Fintech Profit Loss Projection, you can track your more significant expenses divided into four categories. The model also has an ‘other’ category, and you can expand or change this table according to your needs.
You can reflect your company’s historical data or make a Financial Projection Template Excel for the five years.
The capitalization table helps business owners to calculate shareholder’s ownership dilution. The Cap table in our Fintech Excel Pro Forma Template has four rounds of funding, and users can apply all of them or one or two rounds for their financial projections.
Financial graphs and charts in this Fintech Finance Projection help the stakeholders visually track liquidity, budgets, expenses, cash flow, and many other company financial metrics. These graphs will also help a company’s management avoid problems by reflecting its financial data in real-time, with a comprehensive financial information overview.
These operational performance graphs will help the business owners and financial managers ensure the best possible performance and financial health of their company because regular financial analytics procedures and the highest quality of financial data are the company’s top priorities.
Our financial graphs will also help the company’s financial specialists raise financial issues at the general meetings and deliver understandable financial information to other departments and external stakeholders.
A capital expenditure (‘CapEx’ for short) table reflects the company’s expenses, either cash or credit, on purchases of goods that are capitalized on the balance sheet. Such capitalized expenses, the company does not reflect directly in the pro forma profit and loss statement as expenses, and such expenses are considered as an investment in the company’s expansion.
This Pro Forma Budget has a tab for financial benchmarking study. This study involves a financial analysis performance and comparing the company’s results with other companies’ financial indicators in the industry. Conduction of the financial benchmarking study helps users assess a company’s overall competitiveness, efficiency, and productivity.
Our Fintech Financial Projection has a well-developed methodology for creating a cost budget. You can plan and forecast your costs from operations and other expenses for up to 72 months. The cost budget has a detailed hiring plan while also automatically handling the expenses’ accounting treatment. You can set salaries, job positions, and the time of hiring.
Moreover, the model allows users to calculate hiring as the company scales automatically. Pre-built expense forecasting curves enable users to set how an expense changes over time. These pre-built options include % of revenues, % of salaries, % of any revenue category, growth (or decline) rates that stay the same or change over time, ongoing expenses, expenses that periodically reoccur, expenses that regularly change, and many more. Costs can be allocated to key expense areas and labeled for accounting treatment as SG&A, COGS, or CAPEX.
With our Excel Financial Model Template, you can easily create an pro forma profit and loss, a Balance Sheet, and a startup cash flow projection for your company. You can choose these statements’ format and make any financial statement with a monthly or annual breakdown, or for five years.