SmartHelping / P2P Investing / Excel
P2P Investing Financial Model
Explore how monthly interest reinvestment, cash drag, and additional deposits or withdrawals affect a lending-platform investment. Build a long-term projection for up to 55 years and review the cash flows behind your modeled returns.
Immediate download after purchase. By purchasing, you agree to the Terms of Service.
Model walkthrough
See how reinvested interest builds the projection.
Review the workbook's assumptions, investment cash flows, summaries, and visuals before entering your own scenario.
Investment growth & cash-flow analysis
Connect reinvestment assumptions to long-term results.
Designed for an investor placing capital through a peer-to-peer lending platform and evaluating the effect of reinvesting monthly interest.
Monthly interest reinvestment
Project compounding using an annual net interest rate and the assumption that all interest earnings are reinvested each month.
Cash drag
Account for time when cash is waiting to be invested. Explore how that downtime affects the modeled investment growth.
Deposits and withdrawals
Include your initial investment and additional deposits or withdrawals during the investing period when evaluating cash flows.
IRR analysis
Evaluate internal rate of return using cash moving into and out of the investment, together with the modeled exit value.
Long-term charts
Explore a projection of up to 55 years, with visuals designed for 10-year, 25-year, and 55-year views.
Printable summary and guidance
Use the print-ready 10-year summary tab, plus notes and comments within the model to help explain how the workbook works.
Build your investment projection
Start with capital, then explore reinvestment and timing.
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Set the investment assumptions
Enter the initial investment, annual net interest rate, and cash drag assumptions for the scenario you want to examine.
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Include deposits and withdrawals
Reflect additional capital contributed or money withdrawn during the investment period.
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Review reinvestment and cash flows
Follow the modeled monthly reinvestment of interest, accumulated value, and cash flows used in the IRR analysis.
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Compare assumptions and summarize results
Change the inputs to examine another scenario, review the charts, and use the printable 10-year summary to present the projection.
Understand the model assumptions
Read the results alongside the assumptions behind them.
Monthly reinvestment: The simulation assumes all interest earnings are reinvested each month, with cash drag included in the projection.
Default and capital-loss treatment: The model assumes late fees and default interest offset capital losses. This is a simplifying assumption, not a prediction of a lending platform's actual default or recovery experience.
Return presentation: Displayed returns use the initial deposit as their basis. Keep this in mind when changing deposits or withdrawals; the IRR analysis uses investment cash flows and the exit value.
Included in both collections
Explore more business and lending models.
The P2P Investing Financial Model is included in both the Industry-Specific and Lending financial model bundles.
Industry-Specific Financial Models Bundle
Explore financial models built around the operating drivers of service, retail, manufacturing, financial, and other businesses.
Explore the bundle →Lending and Credit Models Bundle
Explore models for loan origination, brokerage, portfolio cash flow, credit facilities, amortization, securitization, and investor returns.
Explore the bundle →Supporting financial tools
Review interest cash flows, return targets, and reporting.
Explore separate interest-rate, preferred-return, IRR, and accounting tools, or browse the complete template catalog.
Interest Rate Swap Financial Model
Compare fixed and variable interest-rate swap cash flows, payment timing, and net present value under an assumed rate path.
View template details →Simple-Interest Preferred Return Model
Model non-compounding preferred returns across three hurdle rates and four tiers, with configurable LP/GP splits and separate capital repayments.
View template details →IRR Target Investment Analysis
Calculate the final distribution needed to reach a target IRR after accounting for investments and interim distributions over up to 15 years.
View template details →Financial Statement Generator
Turn transaction entries into monthly, quarterly, and annual financial statements using accrual- or cash-basis accounting.
View template details →All Financial Model Templates
Browse the full catalog of Excel and Google Sheets templates for business planning, accounting, investment analysis, and tracking.
Browse all templates →Common questions
Before you build your P2P investing scenario.
Who is this model designed for?
It is designed for an investor evaluating lending-platform investment returns and the effect of reinvesting monthly interest, including cash drag and changes in invested capital.
How far does the projection extend?
The model supports a projection of up to 55 years. It also includes charts for 10-year, 25-year, and 55-year views and a print-ready 10-year summary tab.
What does cash drag mean here?
Cash drag represents time when money is waiting to be invested. The template accounts for this downtime when projecting investment growth.
Can I include additional deposits and withdrawals?
Yes. The investment cash flows include the initial contribution, deposits and withdrawals during the investing period, and the modeled exit value for IRR analysis.
How does the model handle capital losses?
It assumes late fees and default interest offset capital losses. Review that assumption against the lending platform and investment scenario you are analyzing.
What do I receive after purchase?
You receive the Excel template as an immediate download. This model is also included in the Industry-Specific and Lending financial model bundles featured above.
Explore your investment assumptions
Model the effect of reinvestment and cash drag.
Build a P2P investment projection and review its cash flows, returns, and long-term visuals. Need a customized model? Contact Jason.
