Five-year financial models, built on assumptions you can defend.
I build five-year financial models for founders who are raising, borrowing or planning their growth, with the profit and loss, cash flow and balance sheet all running off one set of assumptions you can see and change. Twenty years in fundraising, and two exits of my own.
Every engagement starts with a paid consultation, and the work that follows is scoped and priced separately once we've spoken. Pick the length that fits.
What the work covers
This is the work itself, which I scope and price with you after the consultation.
- 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
Founders raising a pre-seed, seed or Series A round who need the numbers behind the deck to hold up once an investor starts asking questions.
Businesses borrowing from a bank or applying for a grant or a visa route, where the lender or assessor wants five years of figures and the cash flow underneath them.
Owners and leadership teams planning their next stage of growth who want to see what a new hire, a new location or a price change does to cash before they commit to it.
Who you'd be working with
I started at Wells Fargo in fundraising and investor relations, then led operations at CAKE Technologies through its sale to American Express. I went on to drive GTM strategy and commercial operations at Quandoo and Fresha and co-founded Reztorer, which exited in early 2025, so your model is built by someone who has been on both sides of the table.
Since 2016 I've worked with 1,500+ clients across 78 countries and territories, and they've rated the work 4.99 out of 5 across 2,051 reviews.
How I work
01
A conversation first
A paid consultation to work out who the model is for, whether that's an investor, a lender, a board or just you, and what it has to show them, and then I scope the model and agree the fee before any work starts.
02
Your numbers, however rough
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.
03
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.
04
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.
05
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 we work out which in the consultation 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.
- What is the paid consultation?
- A call with me of 30, 45 or 60 minutes, paid on its own. 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. If that step is a model, I scope it and agree the fee afterwards, as a separate piece of work.
- How much does a financial model cost?
- It depends on how much the model has to do, from five years of annual figures for your own planning to a monthly build with scenarios, a valuation and a cap table for a priced round. We scope it and agree the fee after the first consultation, which is paid separately and starts at $125.
- 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. We set a realistic timeline once we've scoped it together in the consultation, so you know before anything starts.
Start a conversation.
Every engagement begins with a paid consultation.