Five-year financial models, built on assumptions you can defend.

What you get

Prices are in US dollars. Send me the brief and I confirm the scope and the price in a written quote, which can be this package or a smaller one.

What the work covers

This is the work itself, which I scope and price in a written quote once I've read your brief.

• A five-year model built around how your business actually makes money, whether that's subscriptions, bookings, units or a cut of every transaction, rather than a template you have to bend your business to fit.
• A linked three-statement model (profit and loss, cash flow and balance sheet), so one change flows through all three.
• Every assumption on one tab, so when an investor asks 'what if', you change one cell and the whole model answers.
• A base, upside and downside case on a switch, with burn, runway, break-even and unit economics, so you can see what happens if sales come in slower than you hope.
• How much you need to raise or borrow and what it pays for, worked out from the costs in the model so the ask is a number you can explain.
• Where a raise or a loan calls for it, a valuation range, sensitivity tables, investor returns or a lender's view, and a cap table showing who owns what after each round.
• Checks built into the file, so the balance sheet balances in every period and the cash ties out before the model reaches you.
• Numbers that agree with your deck and plan, so an investor reading both finds one story, and if a figure you've already published doesn't hold up, I'll tell you.

Need the plan around the numbers? Business plan writing →

What it doesn't cover

• Statutory accounts, tax returns or an audit, which sit with your accountant or auditor.
• A promise that the business will hit the numbers, or that an investor or lender will say yes, because that decision sits with them.

Who this is for

Who you'd be working with

Read what clients say →

How I work

1. 01

   Send the brief

   You fill in the project brief: who the model is for, whether that's an investor, a lender, a board or just you, and what it has to show them. Most questions are optional, and the more you share, the more exact the quote.

2. 02

   Your quote

   Within 2 working days I email you a written quote for the financial model: the scope, the price and the timeline. You don't need a call, and if you'd like advice before deciding, that's what the paid consultation is for.

3. 03

   Your numbers, however rough

   Once you go ahead, you send me what you have, from last year's accounts to a price list and a hiring plan, and I build the revenue up from what actually drives it, so the growth comes from things you can point to.

4. 04

   The pressure test

   I question the assumptions the way an investor would, so if a conversion rate is labelled conservative when it really isn't, you hear it from me first, and the model shows a slower year as well as a good one.

5. 05

   The checks

   Everything flows into the profit and loss, cash flow and balance sheet, and the file doesn't leave me until the balance sheet balances in every period and the cash ties out.

6. 06

   Ready to use

   You get a working Excel model you can change yourself, with numbers that agree with your deck or plan, ready to send.

Outcomes

You end up with a model you can defend line by line, because every number traces back to an assumption you understand and your deck says what your spreadsheet says. Nobody reading it will hold you to year five to the pound, but they will notice whether you know what drives your business, and that's what a good model shows them.

Common questions

Do investors actually believe five-year projections?

Not to the pound, and they don't expect you to. Five years is the horizon people look for, so that's what I build, but the detail goes where it can be trusted, which for a raise usually means the first year month by month, and the later years are there to show the shape of the business. What they're really reading is the assumptions underneath, and whether you've looked at what happens if things go slower than planned.

How much of this do I need?

That depends on who's reading it. A model for your own planning can be five years of annual figures, with the profit and loss, cash flow and balance sheet and the assumptions behind them. A raise usually needs the first year monthly, scenarios and a clear funding requirement, and a priced round or a bank loan adds the valuation, the cap table or a lender's view, so your brief tells me which, and you're not paying for tabs nobody will open.

Can I change the numbers myself afterwards?

Yes, and it's built for exactly that. Every input sits on the assumptions tab and everything downstream is a live formula, so you change a price or a hiring date and the statements and the checks all update with it.

Do I need a call first?

No. Send me a project brief and I reply within 2 working days with a written quote. If you'd rather talk it through before deciding, the paid consultation is a call with me of 30, 45 or 60 minutes. Bring your numbers, however rough, and we'll go through who the model is for and what it needs to show, so you leave with a concrete next step.

How much does a financial model cost?

The full model is $900: five years with year one monthly, scenarios, a valuation, investor returns or a lender's view, and a cap table. Five years of annual figures for your own planning costs less. Send me a project brief and I reply within 2 working days with a written quote for the model you need.

How long does a financial model take?

It depends on how much the model has to do, and a fuller build for a priced round takes longer than five years of annual figures. Your written quote sets out the timeline, so you know before anything starts.