For fintech founders pitching investors, planning runway, or mapping launch costs - a 5-year financial model with every statement, dashboard, and ratio they'll ask for.
Trusted by 25,000+ startup founders, investors and CPAs
Scenario Planning Made Simple
Megan Carter, NY
The low, base, and high cases were already organized, so I didn’t waste time rebuilding scenarios by hand. It saved me about 6 hours and made the assumptions easy to compare.
Cash Flow Became Easier To Read
Daniel Reyes, CA
I could finally see runway and shortfalls without guessing through the spreadsheet. That helped me spot a month 8 gap early and adjust our plan before the board review.
Investor Format Was Clear
Priya Shah, TX
I wasn’t sure what outputs investors expected, but this template made the structure obvious. We booked a follow-up call after sending a cleaner model with the right tabs and summaries.
MODEL OVERVIEW
What Is the Fintech Startup Financial Model?
Fintech Startup Financial Model is a five-year workbook for balance sheet revenues, monthly and annual forecasts, scenarios and related financial statements.
Use the workbook to plan how the fintech lender earns spreads, funds making assets, adds income from fees, manages operating costs and translates assumptions into financial results.
Marketable balances of assets, annual profits, balances and financing rates, non-interest income, operating expenditure, staff and other assumptions shall be reported in monthly calculations and reporting opinions.
Built for driver-based planningChange of operational assumptions and review of responses to related forecasts, scenarios, statements and dashboard.
ENGINE OF BALANCES REVENUE
How Does Fintech Startup Calculate Revenue?
The model calculates monthly interest income and financing costs from the balances of the average categories and annual rates and adds the assigned non-interest income.
01
Profit Balance
Set average balances for each category of income and assets and schedule of the financial year.
02
Income from Interest
We multiply every average profit and asset balance by one year's profit and divide by 12.
03
Financing Costs
Multiply each average funding balance by annual interest rate and divide by 12.
04
Net Interest
Subtract the total interest costs from the total interest income and allocate the monthly non-interest income.
05
Operating Revenue
Addition of monthly non-interest income to net interest income in relation to total income from banking activities.
FORM OF CORRECTIONRevenue = Interest Income − Interest Expenditure + Interest-related Revenue
01 / ASSETS
How Are the Profits and Profits Going?
The asset view shall organise the profit and profit balances and the annual profits which make interest income at the level of the category before adding financing and non-interest-bearing income.
ASSETS
The Assets worksheet shows the balances of the fair value assets, annual profits and interest-free income.
02 / OPEX
How Was Operational Expenditure Planned?
The OPEX view separates variable costs related to income from fixed costs and shows assumptions on time used in the monthly calculation of operating costs.
OPEX
The OPEX worksheet shows variable cost percentages, fixed cost categories, schedule, periodicity and monthly results.
03 / SCENARIOS
What Can Be Compared to Scenario Analysis?
The scenario compares low, base and high paths for net interest income, interest income, total income and EBITDA over five years.
SCENARIOS
The Scenario Report covers small, basic and high cases for basic income and resources EBITDA.
04 / DASHBOARD
What Does the Distribution Board Have in Common?
The table contains a set of models, selected scenario checks, basic financial results, revenue mix, profitability, cash flow and prospects for return on investment.
DASHBOARD
The table shows configuration checks, scenario results, financial summaries, revenue mix, profitability, cash flow and return.
FIT OF PRODUCTS
Is the Fintech Startup Finance Model Suitable for You?
The ready model fits the Fintech spread sheet logic, while the significant differences in revenue mechanics, schedules or reporting structures may require custom modelling.
MODEL BY MADA READY
Good Example
The revenue is expected from the interest on balance sheet and annual profits at category level.
You expect financing costs from deposits or other interest rate and annual rates.
You add fees, interchange, FX, asset management or income from ATMs along with net interest income.
You want editable five-year statements, scenarios and management reporting.
CUSTOMS STRUCTURE
Consider Custom Pattern
Your primary revenue logic is significantly different from your balance sheet revenues.
You need operating schedules outside the balance sheet, rate and cost structure.
You require a specialized reporting outside of the attached statements and management views.
You need a different forecast architecture than customizing your editing assumptions.
The template is the starting point of planning, not a guarantee of performance.
FINANCIAL MODEL SERVICE
Do You Need a Model Built Around Your Requirements?
The Lab financial models can build or adapt a model when you need different revenue logic, operational schedules or financial reporting.
You will receive a five-year financial model from Fintech Startup with a monthly and annual forecast, scenario analysis, related reports and management reporting.
01
Editable workbook
Change in the balance of assets, profits, financing rates, interest-free income, costs, staff and other assumptions.
02
Five-year forecast
Review of monthly and annual projections under the five-year horizon for model planning.
03
Analysis of scenarios
Compare low, base and high cases for large incomes and EBITDA resources.
04
Financial statements
Review of the statement of revenue, statement of cash flow, balance sheet, dashboard and management views.
BEFORE BUYING IMPORTANT INFORMATION
Fintech Startup Financial Model FAQ
The basic answers are visible in their entirety, without clicking on the accordion.
01
How does the model calculate the revenues from fintech startup?
It calculates monthly interest income on average balances and profit on the profit and loss account, subtracts interest financing costs and adds the assigned non-interest income.
02
What are the assumptions I can change?
You can change the activated balances, the gains on assets, the balances and the financing rates, the annual non-interest income, the monthly allocations and the budgetary deadlines.
03
What can I compare in Low, Base and High scenarios?
The alternative paths for net income from interest, interest income, total income and EBITDA can be compared in the five-year forecast.
04
What financial results are taken into account?
The workbook contains a statement of income, a statement of cash flows, a balance sheet, a navigational desk, a summary, scenarios, indicators, valuations and other management reports.
05
Can the Financial Models Lab adapt it to its own requirements?
Yes. The financial models Lab offers custom financial modelling for various revenue logic, operational schedules, or reporting requirements.
06
Is this a forecast or a guarantee?
This is a planned forecast, not a performance guarantee. The results depend on the assumptions introduced in the model.
What Does the Fintech Startup Financial Model Contain?
This pre-built fintech financial model excel gives you immediate access to a comprehensive and fully functional tool right after purchase.
All-in-one Dashboard
Core inputs and core outputs
Low/Base/High
Three scenario analysis
Professional Charts
Presentation ready
ROE Components
DuPont analysis
Revenue Inputs
Researched revenue assumptions
Bank-Ready Reports
Lender-friendly financial outputs
Revenue Breakdown
Revenue stream detailed view
KPI Dashboard
Performance metrics benchmark
Choosing a selection results in a full page refresh.
ASSETS
OPEX
SCENARIOS
DASHBOARD
