A financial model built on your numbers, with the maths proven before you get it
Answer a short brief and get an Excel workbook with live formulas, low, base and high cases, and a Checks sheet your lender, investor or client can read.
Available now: SaaS / software, Restaurant / cafe, Retail / e-commerce, Professional services, Home services / trades, Fitness studio / gym, Real estate (rental property).
From $149, one payment. Full refund within 7 days.
How it works
Answer a few questions and a checked workbook is built around your answers. Try the first step here.
Answer the brief
Plain questions about your business, your goal and a few key numbers. No finance terms and no blank spreadsheet. Sensible defaults fill the gaps, and sample data lets you look around before you share real figures.
In the real brief you add a few key numbers, choose Light or Full, and enter the email the file goes to. Your answers carry over.
We build it, then check it
AI only turns your answers into a brief. The workbook itself comes from tested templates, and a separate program must agree with every total before the file leaves us.
- Your answersbecome a structured brief, checked against sensible limits
- A tested templatewrites every formula, the same way in every period
- A spreadsheet enginerecalculates the file and rejects any error value
- An independent checkrebuilds the totals for low, base and high and compares to the dollar
- Only then is the file sent to you
Download and make it yours
You get an .xlsx with live formulas, a one-cell case switch and the Checks sheet. Change any input and every sheet follows. The file is yours to keep, edit and send to your lender or investor.
We check the maths before you see it
After the workbook is built, an independent program recalculates it from your inputs. If any annual total differs by more than one dollar, or any check fails, the file is held back and fixed. The same checks stay in your workbook as live formulas, so they keep working after you edit it.
- Annual figures tie to the monthly build
- Cash rolls forward from one month to the next
- The balance sheet balances in every period (Full)
- EBITDA equals gross profit less operating costs
- The case switch resolves low, base and high
- No error values anywhere in the file
- A funding gap is flagged if cash goes below zero
What's in the workbook
Inputs are blue, formulas are black, links between sheets are green. Nothing is pasted as a value.
| Sheet | What it shows | Light | Full |
|---|---|---|---|
| Inputs | Every assumption in one place, with low, base and high side by side | Included | Included |
| P&L | Profit and loss by year, with margins | Included | Included |
| Checks | Each test with its live result | Included | Included |
| Dashboard | Key results for the selected case, and the case switch | Not included | Included |
| Monthly | Month-by-month build of revenue, costs and cash | Not included | Included |
| Cash flow | Operating, investing and financing cash, and runway | Not included | Included |
| Balance sheet | Assets, liabilities and equity, balanced every period | Not included | Included |
| Headcount | Roles, start dates and payroll cost | Not included | Included |
Open a sample before you pay
Real files from the same generator. Click into any cell and read the formula.
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SaaS startupDownload .xlsx: SaaS startup sampleFull workbook with MRR, churn, CAC payback and runway
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Neighborhood cafeDownload .xlsx: Neighborhood cafe sampleFull workbook, three years, monthly detail
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Retail and e-commerceDownload .xlsx: Retail and e-commerce sampleFull workbook with traffic, conversion, inventory and stores
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Professional services firmDownload .xlsx: Professional services firm sampleFull workbook with utilisation, rates and receivables
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Home services companyDownload .xlsx: Home services company sampleFull workbook with technician capacity, booked jobs, maintenance plans and vans
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Fitness studioDownload .xlsx: Fitness studio sampleFull workbook with members, cancellations, capacity, personal training and rent
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Rental propertyDownload .xlsx: Rental property sampleFull workbook with rent roll, NOI, mortgage schedule, sale and IRR
Other ways to get a model
| Option | First usable draft | Fits your business | Maths checked | Cost |
|---|---|---|---|---|
| Blank spreadsheet | Several weekends | Yes, if you get it right | Only by you | Your time |
| Ready-made template | Fast if your business matches the file | After you adapt it | Your changes are on you | Low |
| AI spreadsheet assistant | Minutes | As good as your prompts | You audit every formula | Monthly subscription |
| Freelance modeller | Days to weeks | Yes | Depends on the person | Highest |
| StartupModel | Minutes after payment | Built from your answers | Every file, before delivery | $149 or $349, once |
Who uses it
Business loan applicants
Three years of projections, monthly in year one, with a cash flow and a balance sheet that balances. The package a bank or SBA lender asks for.
Founders talking to investors
Runway, burn and unit economics with downside and upside cases, ready when an investor asks for the model.
Accountants and advisers
Start each client forecast from a checked structure you can put your name to. Five Full models for $1,250: write to us to set it up.
One payment per model
No subscription. The file is yours. Full refund within 7 days if it doesn't fit your business.
Light
For a quick answer or an early conversation
- Inputs, P&L and Checks
- Low, base and high cases
- Monthly or annual, 1, 3 or 5 years
- Upgrade to Full later by paying the difference
Full
For investors, lenders and real decisions
- Everything in Light
- Monthly detail, cash flow, balance sheet and headcount
- Dashboard with the case switch
- Advisers: 5 Full models for $1,250
Questions
- Is it a real Excel file?
- Yes. A standard .xlsx with working formulas across sheets, not a chat answer or a screenshot. It uses only long-established Excel functions.
- Do I need a finance background?
- No. The questions are in plain language, and you can start from sample data and replace it with your numbers later.
- How is it different from a template?
- A template is the same file for everyone. Your workbook is built from your answers, so the line items, drivers and cases already match how your business earns and spends.
- What exactly is checked?
- Totals, cash roll-forward, balance sheet, the case switch and error values. An independent recalculation must agree with the workbook to the dollar before it is sent.
- How long does it take?
- The questions take a few minutes. The file is built and checked right after payment and arrives by email, usually within minutes.
- What if it doesn't fit?
- Write to us within 7 days and we refund the full amount.