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Clearer Reports Fast
Megan Foster, NY
This template pulled our scattered statements and charts into one place, so I stopped hunting through files before every update. It cut my prep time by about 4 hours a week and made the numbers easier to share.
Hours Back for Analysis
Daniel Ruiz, TX
Building the microlending model by hand was eating up my evenings, but this template gave me a clean starting point with the key formulas already in place. I finished our first forecast in one afternoon instead of a full week.
A Better Starting Point
Priya Shah, CA
I was stuck at a blank spreadsheet, unsure how to structure the model or where the assumptions should go. This template gave me a clear layout to work from, and I had a usable draft ready before the day ended.
MODEL OVERVIEW
What Is the Microcredit Finance Model?
The financial model of micro-credits is a five-year paper combining the balances of loans, asset gains, financing costs, interest-free income, scenarios and financial statements.
Use the workbook to plan how property loans, sources of financing, non-interest income, operating costs, staff, capital expenditure and financing affect expected results.
Editable assumptions flow through monthly calculations to annual summaries, low/basic/high comparisons, financial statements and management reports for the selected planning case.
Built for microlocation modelingThe main loans and financing balances remain on the balance sheet; operating income comes from interest spreads plus modeled non-interest income.
MICROLEDING REVENUE ENGINE
How do Microcredit Calculate Income?
The model calculates the monthly operating income by offsetting interest on financing from credit and other interest on profits and assets and then adding assigned non-interest income.
01
Set Assets
The average credit balance and other balances on fair value assets with an annual profit per category included shall be reported.
02
Income from Interest
Multiply each average profit and asset balance by annual profit, divided by twelve and the sum of the categories.
03
Cost of Financing
Application of annual funding rates to average interest balances, breakdown by twelve and sum of financing costs.
04
Add Other Revenue
The allocation allowed annual non-interest income over months, using the assumptions of the model on schedule or seasonality.
05
Operating Revenue
Subtract interest costs from interest income and add monthly non-interest income to total bank income.
FORM OF CORRECTIONRevenue = interest income − Interest costs + Non-interest income
01 / ASSETS
Where Are the Microcredit Kits?
The asset sheet specifies the balances of loans and other commercial assets, annual profits and non-interest contributions that are used to calculate monthly income.
ASSETS
The Assets’ opinion shows the balances of loans, annual profits, other commercial assets and non-interest contributions.
02 / OPEX
How to Structure Operational Costs?
The OPEX card separates the drivers of variable costs from fixed costs, so operating expenditure is consistent with assumptions regarding modeling and time.
OPEX
View OPEX shows the percentages of variable costs, recurring fixed expenses, time and frequency.
03 / SCENARIOS
What Can Low, Basic and High Cases Compare?
The Scenarios compared low, base and high cases with regard to net interest income, interest income, comprehensive income and EBITDA as compared to the forecast.
SCENARIOS
The scenarios show low, base and high track charts for large incomes and results EBITDA.
04 / DASHBOARD
What Does the Dashboard Show on the Skeleton?
The data table presents selected assumptions, scenarios results, basic finances, revenue mix, profitability, cash flow and return in one management view.
DASHBOARD
The dashboard combines model settings, scenario results, basic finances and management charts.
FIT OF PRODUCTS
Is the Microcredit Finance Model Suitable for You?
The model is designed to fit microcredit planning, while significant differences in revenue logic, timetables or reporting may require a custom structure.
MODEL BY MADA READY
Good Example
You plan interest income from loans and other balances on an annual profit.
You model the financing balances and rates to calculate the monthly interest costs.
You add interest-free income through annual amounts and assumptions for monthly allocation.
You want five-year statements, low/Base/High scenarios, and reporting management.
CUSTOMS STRUCTURE
Consider Custom Pattern
Your income depends on off-balance sheet mechanics and assigned non-interest income.
Your assets, liability, funding or operational schedules require significant different structures.
Your notification requires different statements, scenario logic, or decision results.
Your model requires business rules or time logic not represented by this template.
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.
After check-out, you will receive a fully editable microcredit workbook with five-year projections, monthly details, scenario analysis and financial reports.
01
Editable workbook
Download the fully editable model and change the assumptions to your own plan.
02
year forecast 5
Review 60 months of forecast with monthly and annual financial details.
03
Analysis of scenarios
Compare low, base and high cases from the model scenario perspective.
04
Financial statements
Use Income Account, Cash Flow Statement, Balance, Dashboard and Summary.
BEFORE BUYING IMPORTANT INFORMATION
Microcredits Financial Model FAQ
The basic answers are visible in their entirety, without clicking on the accordion.
01
How Does the Microlending Financial Model Calculate Revenue?
It calculates monthly interest income by category ‘assets valuation’ and subtracts interest financing costs for the purpose of obtaining NII and adds the assigned non-interest income.
02
What are the assumptions I can change?
You can edit balances and earnings, finance balances and rates, interest-free income, assumptions about schedule and seasonality.
03
What scenarios do Low, Base and High allow me to compare?
They compare alternative paths for net interest income, interest income, total income and EBITDA in the whole forecast.
04
What financial results are taken into account?
In the Workbook There Is a Statement of Revenue, Statement of Cash Flow, Balance Sheet, Dashboard, Summary, Written and Additional Management Reports.
05
Can the Financial Models Lab adapt it to its own requirements?
Yes. The Financial Models Laboratory can build or adjust revenue logic, operational schedules and reporting around different requirements.
06
Is this a forecast or a guarantee?
This is a forecast based on assumptions for the edition, not a guarantee of financial results or business results.
What Does the Microlending Financial Model Contain?
You get a comprehensive and user-friendly microloan projection template designed to help you build a detailed financial forecast for your lending business.
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
