Financial Modeling
Numbers that survive a lender's questions.
Driver-based, three-statement financial models with scenarios, so you can test hires, locations, equipment, and price changes before you commit cash.
Schedule Discovery CallWhat's included
- 3–5 year three-statement projection
- Driver-based assumptions you can edit
- Best / base / downside scenarios
- Break-even, runway, and DSCR analysis
Built for
- Owners weighing a hire, location, or equipment purchase
- Companies raising debt or equity
- Practices modeling payer mix and provider capacity
- Buyers underwriting an acquisition
10 days
Typical build time
3
Scenarios delivered
Yours
Editable file, no lock-in
How engagements work — Fixed project fee by complexity; discounted refresh pricing for ongoing clients each planning cycle.
The problems we solve
Your projection is a spreadsheet nobody trusts.
A three-statement model where the balance sheet balances and cash flow ties — auditable line by line.
You can't test a decision before making it.
Driver-based inputs so you can change price, headcount, or volume and see cash impact instantly.
The model breaks when you touch it.
Clean input / calc / output separation, documented assumptions, and no hardcoded numbers in formulas.
Lenders question your assumptions.
Every driver sourced and annotated, with best / base / downside cases already prepared.
Full scope of work
Core model
- Integrated 3–5 year income statement, balance sheet, cash flow
- Monthly detail for year one, annual thereafter
- Revenue build by product, service line, provider, or location
- Headcount, payroll, and capacity planning schedule
Analysis
- Best / base / downside scenario toggle
- Break-even, runway, and cash-need timing
- DSCR, covenant, and debt schedule
- Unit economics, contribution margin, and payback
Extensions
- Acquisition and LBO underwriting
- Cap table, dilution, and returns analysis
- Real estate / equipment buy-vs-lease comparison
- Board-ready summary dashboard
Where the money comes back
Every engagement is scoped against a return: cost removed, margin recovered, cash pulled forward, or exposure closed.
Decisions modeled before cash moves
Testing a hire, a new location, or an equipment purchase in a model before committing cash can prevent a decision that looks affordable but breaks monthly cash flow.
Downside scenario sized in advance
A downside case built alongside the base case shows how many months of runway remain if revenue comes in 20 percent under plan, before that gap becomes a cash crisis.
DSCR tested before the bank asks
Running your own debt service coverage ratio and covenant tests before a lender does can surface a shortfall while there is still time to adjust terms or timing.
Break-even known by unit and month
Knowing the exact unit volume and month where the business crosses break-even turns a vague growth goal into a specific, trackable target for the team.
What actually lands in your inbox
Three-statement model (3-5 years)
ProjectA driver-based income statement, balance sheet, and cash flow statement projected three to five years, fully linked and editable.
Assumptions tab
Week 1A single tab listing every input driver, revenue growth, cost ratios, headcount timing, so you can adjust one number and see the model recalculate.
Best/base/downside scenarios
Week 2Three toggled scenarios showing how revenue, margin, and cash position shift under optimistic, expected, and conservative assumptions.
Break-even and runway analysis
Week 2A calculated break-even point by unit volume and month, plus a runway calculation showing months of cash remaining under each scenario.
DSCR and covenant testing
Week 3Debt service coverage ratio calculated against your loan terms, with covenant thresholds flagged if projected performance falls short.
Decision case module
On requestA built-in comparison case for a specific decision, hiring, new location, or equipment purchase, showing the cash flow impact against the base model.
What working with us feels like
Editable model, not a static PDF
You receive a live Excel or Google Sheets file with visible formulas and an assumptions tab, not a locked report you cannot update yourself.
One advisor builds and trains
Julius NDAHIRO builds the model and personally walks you through it, so the person who understands the logic is the person answering your questions.
Assumptions in plain language
Every driver, growth rate, hiring assumption, and cost ratio, is labeled and explained in plain language on its own tab rather than buried in formulas.
Two rounds of scenario adjustments
After the initial build, two rounds of scenario or assumption adjustments are included at no additional cost within the project fee.
Benchmarked against the usual option
- Model structureSpreadsheet built once and never touched againDriver-based model with a maintained assumptions tab for updates
- Scenario planningSingle projection with no downside caseBest, base, and downside scenarios toggled in one file
- Lender readinessNo DSCR or covenant check before submissionDSCR and covenant testing run before the lender sees the file
- Decision supportGut-feel hiring and spending decisionsDecision cases modeled for hires, locations, and equipment
- HandoverFile emailed with no walkthroughLive walkthrough and training session included in the fee
Your first 90 days
- Week 1
Drivers and structure built
Historical financials reviewed, revenue and cost drivers identified, and the three-statement model structure built with an editable assumptions tab.
- Week 2
Scenarios and break-even added
Best, base, and downside scenarios built into the model, with break-even volume and runway calculations added for each case.
- Week 3
DSCR and decision cases
Debt service coverage ratio and covenant tests run against loan terms, and a specific decision case built if requested for the current period.
- Week 4
Walkthrough and handover
Full model walkthrough delivered live, covering how to update assumptions, switch scenarios, and read the break-even and DSCR outputs.
Platforms included
Configuration, integration, and day-to-day administration are part of the fee — you are not billed to keep your own systems running.
- Excel / Google Sheets
- QuickBooks Online
- LivePlan
- Google Sheets scenario toggles
- DocuSign
- Relay or Mercury banking data
- Gusto payroll exports
- Zoom walkthrough recording
The cost of leaving it alone
No downside scenario modeled
A revenue shortfall discovered without a pre-built downside case leaves no time to adjust hiring or spending before cash runs short.
DSCR untested before loan submission
A lender finding a covenant shortfall during underwriting can delay or restructure loan terms that a pre-check would have caught earlier.
Static spreadsheet never updated
A model built once and left unmaintained gives decisions based on assumptions that no longer reflect current revenue or cost reality.
How we run it
- 01
Scope
We define the decision the model must answer — that determines its shape.
- 02
Build
Drivers mapped from historical actuals, then projected forward.
- 03
Stress
Scenarios and sensitivities run to find where the plan actually breaks.
- 04
Hand over
Walkthrough session plus an editable file you control.
Why clients choose us over the firm down the street
Anchored to real actuals
Built off reconciled historical books, not a blank template.
You can edit it
Documented, unlocked, and structured so your team can maintain it.
Decision-first
We build to answer a question, not to fill a template.
Ties to the forecast
The model and your 13-week cash forecast use the same drivers.