SmartHelping / Lending / Platform Financial Models
LaaS Lending Platform Financial Model
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
See how loan activity flows into the platform forecast.
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
Define the loan mix within each risk grade.
Set assumptions for different borrower risk grades and loan terms to project loan volume and the interest generated through the platform.
Risk grades & interest rates
Set average annual interest rates across seven loan risk categories. These are your assumptions about the rates investors will earn.
Flexible loan terms
Define four loan-term categories and the percentage mix of those terms within each risk grade. The term durations are editable.
Loan amounts & settled loans
Enter average loan amounts and expected loans settled per month by risk grade for each forecast year. Test both drivers through the sensitivity controls.
Default rate assumptions
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
Translate loan activity into platform revenue.
The model separates the loan activity facilitated by the platform from the share of fees and interest earned by the platform itself.
Share of investor interest
Set the percentage fee the platform takes from investor interest earned. The model uses that assumption to calculate the platform's interest-related revenue.
Loan closing fees
Enter the closing fee percentage and the portion of that fee retained by the platform.
Platform-covered defaults
Set the percentage of defaults the platform covers. That modeled cost reduces platform revenue; use 0% if the platform will not cover defaults.
Risk-grade detail & visuals
Review interest and closing fee calculations by risk grade, along with visualizations of the projected activity and results.
Understand the platform economics
Loan volume and platform revenue answer different questions.
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
Test three major revenue drivers.
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.
Average interest rates
Test lower or higher assumed rates and review their effect on interest generated and the platform's share.
Average loan amounts
Change the size of loans relative to the base case to see the effect on projected loan volume and revenue.
Settled loans
Test lower or higher settled loan activity and follow the resulting changes through the financial forecast.
Operating costs & investment
Plan the cost of building and running the platform.
Running & startup costs
Set operating expense descriptions, start dates, and monthly cost assumptions for each forecast year. Enter one-time startup costs in a separate schedule.
Capital expenditures & depreciation
Enter capital expenditure amounts, timing, and useful lives. The supporting schedule calculates monthly straight-line depreciation.
Monthly, annual & executive reporting
Review the business across the full 10-year projection.
The loan assumptions feed the financial forecast so you can examine performance, capital needs, and the projected economics of the platform.
Integrated 3-statement model
Review the income statement, balance sheet, and cash flow statement on monthly and annual timelines.
Monthly & annual summaries
Use the pro forma and cash flow summaries to move between period-level detail and the broader financial picture.
Capital required & IRR
The executive summary reports capital needed to cover startup costs and negative cash flow, along with the internal rate of return for the projection.
Cap table & global assumptions
The workbook includes a cap table and an organized global assumptions area to support the overall financial model.
Financing & exit planning
Connect operating assumptions with funding and an optional sale.
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
Build a base case, then challenge the assumptions.
Define the platform's loan activity
Set risk grades, loan terms, average amounts, interest rates, default assumptions, and settled loan activity.
Set the platform's economics
Enter its share of interest and closing fees, default coverage percentage, financing assumptions, and any planned exit.
Review results and sensitivity cases
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
Explore the broader lending and SaaS collections.
This model is included in the SaaS Financial Model Template Bundle and the Lending Financial Model Bundle.
Questions before you buy
A few useful details.
What type of business is this model designed for?
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.
How long is the forecast?
The model covers 10 years and includes monthly and annual financial reporting.
Can I change the example loan terms?
Yes. The model includes four editable loan-term categories. Enter the durations and the percentage mix of loan terms within each risk grade.
How does the model handle defaults?
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.
Which inputs have Low / Base / High controls?
Average interest rates, average loan amounts, and settled loans. Each driver has its own setting and adjustment magnitude.
Are financial statements and a cap table included?
Yes. The current model includes integrated monthly and annual income statements, balance sheets, and cash flow statements, plus a cap table.
Can I model an exit before the end of the forecast?
Yes. The Control tab includes an exit month and exit valuation assumptions, as well as financing assumptions.
How much does the model cost?
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
See how loan activity supports the business.
Get the 10-year LaaS Financial Model. Have a question? Contact SmartHelping.
