Set Earning Assets
Enter average balances for loans and other interest-earning asset categories by fiscal period.
It is an editable five-year Excel and Google Sheets workbook that models earning-asset balances, yields, funding costs, fees, scenarios, and financial statements.
Use it to translate financing balances, asset yields, funding rates, and non-interest income into a structured operating and financial forecast.
Editable asset and liability balances, category rates, annual non-interest income, monthly allocation, and fiscal-year timing feed spread calculations and linked financial results.
The model calculates interest income from earning-asset balances and yields, subtracts funding interest expense, and adds allocated non-interest income by month.
Enter average balances for loans and other interest-earning asset categories by fiscal period.
Apply each category’s annual yield to average balance and divide by twelve for monthly interest income.
Enter interest-bearing liability balances and funding rates to calculate monthly interest expense.
Allocate enabled annual non-interest income categories into monthly fees and other operating income.
Subtract interest expense from interest income, then add non-interest income for total operating income.
The Assets view organizes purchase financing balances, annual asset yields, other interest-earning assets, and non-interest income assumptions across the five-year forecast.
ASSETS
The OPEX view separates variable and fixed operating expenses, with editable timing, spending assumptions, periodicity, and monthly forecast calculations.
OPEX
The Scenario Analysis view compares Low, Base, and High trajectories for net interest revenue, interest income, total income, and EBITDA over five years.
SCENARIO ANALYSIS
The Dashboard combines scenario controls with key metrics, revenue mix, profitability, core financials, cash flow, and investment payback in one management view.
DASHBOARD
It is a strong fit for category-level spread modeling; consider custom work when your financing logic or reporting requires materially different schedules.
The template is a planning starting point, not a guarantee of performance.
Financial Models Lab can build or adapt a model when you need different revenue logic, operating schedules, calculation modules, or reporting structures.
ORDER A CUSTOM FINANCIAL MODELAfter checkout, you receive the editable five-year model for Excel and Google Sheets with monthly projections, Low/Base/High scenarios, and linked financial reporting.
Use the fully editable model in Microsoft Excel or Google Sheets.
Work with five years of projections presented in monthly and annual detail.
Compare Low, Base, and High cases through the dedicated scenario view.
Review P&L, cash flow, balance sheet, dashboard, summary, and other management outputs.
The essential answers are visible in full, with no accordion clicks required.
Revenue is calculated from earning-asset balances and category yields, less interest expense on funding balances and rates, plus allocated non-interest income.
You can change average balances by asset and funding category, yields, funding rates, non-interest income, monthly allocation or seasonality, and fiscal-year timing.
The Scenario Analysis view compares net interest revenue, interest income, total income, and EBITDA trajectories across Low, Base, and High cases.
Included outputs shown in the workbook gallery include P&L, cash flow, balance sheet, Dashboard, Summary, Scenario Analysis, Valuation, Break-Even, ROIC, Charts, KPIs, and Ratios.
Yes. Financial Models Lab can build or adapt a model when you need different revenue logic, operating schedules, or reporting structures.
It is a planning forecast, not a guarantee of business performance, profitability, funding, or returns.
This purchase order financing excel model download provides everything you need to build a comprehensive financial plan, from initial assumptions to final valuation.
Core inputs and core outputs
Three scenario analysis
Presentation ready
DuPont analysis
Researched revenue assumptions
Lender-friendly financial outputs
Revenue stream detailed view
Performance metrics benchmark
I opened it and knew exactly which numbers to fill in, so I didn’t waste time guessing the structure. It cut my prep time by about 6 hours before our lender call.
Starting from zero was the hardest part, and this template gave me a clean place to begin. I had a full first draft in one afternoon instead of spending a weekend stuck on setup.
The P&L, cash flow, and charts are already organized, so I wasn’t jumping between files anymore. It saved me several hours and made my meeting deck much easier to pull together.