SmartHelping / Financial Tracking / Google Sheets
Turn dated entries into reports for revenue, expenses, net income, and cash flow. Use three columns of data to update weekly, monthly, and annual summaries, with charts that respond as you add records and reporting dates advance.
Immediate download after purchase. By purchasing, you agree to the Terms of Service.
Video walkthrough & spreadsheet preview
Follow the walkthrough to review the data layout, summary reports, date controls, and charts. Open the screenshots for a closer look at the template.
Date, description & amount
Each row in the Data tab contains a date, a description, and a dollar amount. The summaries use those records to populate the corresponding report lines.
Open the purchased Google Sheets template and choose File > Make a copy. Define the categories in column B of the Weekly tab and set the timing controls for your business.
Enter each record's date and amount, then choose its description from the column B dropdown. The dropdown uses the category labels in the Weekly tab.
As you add rows, the matching amounts flow into the weekly, monthly, and annual summaries and their charts.
The key to accurate report mapping
The template uses the descriptions you enter to place amounts in the correct revenue, expense, or miscellaneous cash flow line. The Data tab's dropdown pulls from your Weekly report labels to help keep those descriptions consistent.
Financial reporting categories
The template is set up to report income, expenses, net income, and cash flow from the records you enter.
Track separate sources of revenue and compare how each contributes over time.
Organize operating expenses into the report's expense lines using matching descriptions in the Data tab.
Track additional cash movements in separate miscellaneous inflow and outflow sections.
Review income less the tracked expenses, net cash flow by period, and accumulated cash flow since reporting began.
Reporting periods & date controls
Use the weekly, monthly, and annual summaries to follow financial performance at different levels of detail.
Review weekly results over two years and choose whether each reporting week ends on Saturday or Sunday.
Review monthly revenue, expenses, net income, and cash flow over a two-year reporting period.
Use the annual report to review financial performance over five years.
The control date and period formulas keep future reporting periods blank until the applicable cutoff, allowing charts to expand as reporting periods become available.
Automated financial visuals
Three chart types are provided for each reporting view: weekly, monthly, and annual. They update with the summary data and reporting dates.
Compare the main financial subtotals to see how income and operating costs develop over time.
Compare the four revenue streams to see their relative contribution across reporting periods.
Review the cash flow generated in each period alongside the accumulated total since reporting began.
Available weeks and months are added to the chart timeline through the template's date logic, within the included reporting horizon.
Use the layout for budgeting
Enter planned amounts as dated records in a Budget copy and record actual activity in a separate Actual copy. You can then compare their reports.
For the Budget copy, set the Control tab's date to the final date you want to display. Otherwise, the normal date logic keeps periods beyond the current reporting cutoff blank.
Also included in a bundle
This template is included in the Accounting Templates Bundle. Browse the collection for additional accounting spreadsheets, calculators, and reporting tools.
Questions before you buy
Each record needs three fields: date, description, and amount. The description in column B must match the corresponding description in the summary report.
Enter normal expense and cash outflow amounts as positive values under the appropriate description. The report calculations subtract the expense and outflow categories.
The summaries and charts update from the data you enter, and the date controls determine which reporting periods are displayed. Keeping the underlying records current is part of the workflow.
The template includes two years of weekly reporting, two years of monthly reporting, and five years of annual reporting.
The layout includes up to four revenue streams, 45 expense items, five miscellaneous cash inflow lines, and five miscellaneous cash outflow lines.
Yes. The weekly summary supports a Saturday or Sunday week end.
The template uses a current-date control and period formulas to hide periods beyond the applicable reporting cutoff. For a budget copy, set the Control tab's date to your desired final reporting date.
Yes. Create separate Budget and Actual copies, enter the records for each, and compare their reports. The budget data is entered manually into the Data tab.
The Google Sheets template is available immediately after the $45 one-time purchase. Open it and choose File > Make a copy to create your own editable version.
Turn records into financial reports
Get the Profit & Loss Tracker for Google Sheets. Have a question? Contact SmartHelping.
SmartHelping / Lending / Platform Financial Models
Plan a lending-as-a-service platform over 10 years. Forecast loan activity by risk grade, model the platform's share of interest and closing fees, and see how defaults, financing, and growth assumptions affect cash flow and returns.
Immediate download after purchase. By purchasing, you agree to the Terms of Service.
Video walkthrough & spreadsheet preview
Review the model's assumptions, revenue calculations, sensitivity controls, and financial summaries. Open the screenshots for a closer look at the workbook.
Build the loan activity forecast
Set assumptions for different borrower risk grades and loan terms to project loan volume and the interest generated through the platform.
Set average annual interest rates across seven loan risk categories. These are your assumptions about the rates investors will earn.
Define four loan-term categories and the percentage mix of those terms within each risk grade. The term durations are editable.
Enter average loan amounts and expected loans settled per month by risk grade for each forecast year. Test both drivers through the sensitivity controls.
Enter average default rates by risk grade and define how much of those defaults, if any, the platform will cover.
Interest participation, fees & default coverage
The model separates the loan activity facilitated by the platform from the share of fees and interest earned by the platform itself.
Set the percentage fee the platform takes from investor interest earned. The model uses that assumption to calculate the platform's interest-related revenue.
Enter the closing fee percentage and the portion of that fee retained by the platform.
Set the percentage of defaults the platform covers. That modeled cost reduces platform revenue; use 0% if the platform will not cover defaults.
Review interest and closing fee calculations by risk grade, along with visualizations of the projected activity and results.
Understand the platform economics
Loan volume shows the lending activity moving through the marketplace. Platform revenue depends on the interest share and closing fees the business retains, together with any default coverage it provides.
Use the forecast to test how those assumptions work together before assessing the platform's funding needs and projected returns.
Independent Low / Base / High controls
Set a base case and define the size of the Low and High adjustments for each driver. Separate dropdown controls let you change each driver independently.
Test lower or higher assumed rates and review their effect on interest generated and the platform's share.
Change the size of loans relative to the base case to see the effect on projected loan volume and revenue.
Test lower or higher settled loan activity and follow the resulting changes through the financial forecast.
Operating costs & investment
Set operating expense descriptions, start dates, and monthly cost assumptions for each forecast year. Enter one-time startup costs in a separate schedule.
Enter capital expenditure amounts, timing, and useful lives. The supporting schedule calculates monthly straight-line depreciation.
Monthly, annual & executive reporting
The loan assumptions feed the financial forecast so you can examine performance, capital needs, and the projected economics of the platform.
Review the income statement, balance sheet, and cash flow statement on monthly and annual timelines.
Use the pro forma and cash flow summaries to move between period-level detail and the broader financial picture.
The executive summary reports capital needed to cover startup costs and negative cash flow, along with the internal rate of return for the projection.
The workbook includes a cap table and an organized global assumptions area to support the overall financial model.
Financing & exit planning
Use the Control tab to set the business financing amount, loan term, interest rate, payment frequency, and first-payment date. The debt schedule separates payments into interest and principal and tracks the remaining balance.
If you plan to sell the platform during the forecast, select the exit month and whether to include a terminal value. The exit valuation uses a multiple of trailing 12-month EBITDA.
A practical modeling workflow
Set risk grades, loan terms, average amounts, interest rates, default assumptions, and settled loan activity.
Enter its share of interest and closing fees, default coverage percentage, financing assumptions, and any planned exit.
Check the statements, cash flow, capital requirement, and IRR. Use the Low / Base / High controls to see how the results respond to different lending assumptions.
Also included in two bundles
This model is included in the SaaS Financial Model Template Bundle and the Lending Financial Model Bundle.
Questions before you buy
It is designed for a lending-as-a-service or peer-to-peer lending platform that facilitates loans and earns a share of investor interest and loan closing fees.
The model covers 10 years and includes monthly and annual financial reporting.
Yes. The model includes four editable loan-term categories. Enter the durations and the percentage mix of loan terms within each risk grade.
You define default rates by risk grade and the percentage of defaults the platform will cover. The coverage cost appears as a reduction to platform revenue. Set platform coverage to 0% if your business will not cover defaults.
Average interest rates, average loan amounts, and settled loans. Each driver has its own setting and adjustment magnitude.
Yes. The current model includes integrated monthly and annual income statements, balance sheets, and cash flow statements, plus a cap table.
Yes. The Control tab includes an exit month and exit valuation assumptions, as well as financing assumptions.
The one-time price is $75, with immediate download after purchase. The model is also included in the SaaS and Lending bundles linked above.
Plan your lending platform
Get the 10-year LaaS Financial Model. Have a question? Contact SmartHelping.