Flat Fee or Fixed Fee Lending Business: 10-Year Financial Model

SmartHelping / Lending / Excel

Flat Fee Lending

Build a 10-year forecast for a flat-fee or fixed-fee lending business. Model up to four loan configurations, principal and fee collections, operating costs, optional debt funding, and the equity required to support growth.

10-year forecast4 loan configurations2 repayment optionsFinancial statements + cap table
Flat Fee Lending Business financial model product artwork
$75One-time purchase / Excel download
Add Flat Fee Lending Model to Cart

Immediate download after purchase. By purchasing, you agree to the Terms of Service.

See the model in action

Walk through the lending forecast.

Open the model screenshots

Up to four loan configurations

Set the terms and growth path for each loan offering.

All four configurations use the same flat-fee mechanics, with separate assumptions for the loan terms and origination plan.

Monthly loan volume

Set how many loans are settled per month for each configuration and adjust origination assumptions across the 10-year forecast.

Average loan amount

Define the average amount borrowed for each configuration to connect loan counts with origination funding requirements.

Flat fee percentage

Charge a fixed fee calculated as a percentage of the total amount borrowed. The borrower fee does not use monthly interest or compounding interest.

Loan term and launch timing

Set the term in months and choose different starting months for the loan configurations to reflect a phased rollout.

Two collection patterns

Choose when principal and fees come back.

Compare how the collection pattern changes the timing of cash available for further lending.

Repay at the end of the term

Use the repayment toggle to collect the full principal and fee when the loan reaches the end of its term.

Repay evenly over the term

Alternatively, spread total principal and fee repayments evenly across the loan term to model collections throughout the repayment period.

Capital requirements and exit

Connect loan growth to the funding behind it.

Model fee reinvestment and optional leverage alongside the cash needed to originate loans. The funding assumptions flow through to the project’s equity requirement.

Optional debt funding

Toggle senior debt or other leverage on or off. When enabled, interest on the funding facility is calculated monthly from its APR and outstanding balance. Without leverage, origination funding flows to the project’s minimum equity requirement.

Reinvest lending cash flow

Account for fees recycled into further lending and assess how reinvestment and leverage affect the capital needed to support the origination plan.

Define the exit

Set the exit month and the multiple used to sell the remaining loan receivables. Any remaining leverage balance is assumed to be repaid in full at exit.

Build the operating plan

Scale staffing and expenses with the loan portfolio.

Customer service and sales staffing

Set staffing ratios using loans settled and loans in existence. Configure the loan-count assumptions across the four loan types to estimate customer service and sales representative requirements.

Variable operating costs

Enter expenses as a percentage of revenue, a cost per loan count by configuration, or a fixed cost of goods sold amount where needed.

Fixed overhead

Use the separate fixed-expense schedule to plan recurring operating expenses over the forecast.

Initial startup costs

Enter initial startup costs in their own schedule when those costs are not already accounted for elsewhere.

Financial reporting and returns

See the forecast from operations through investor economics.

Financial statements

Review the Income Statement, Balance Sheet, and Cash Flow Statement included in the upgraded model.

Cap table

Use the included cap table alongside the funding and ownership analysis.

Monthly and annual profit / loss

Review detailed operating results at both monthly and annual levels, with the underlying line items visible.

Discounted cash flow analysis

Review DCF analysis at the project level and from the investor and operator perspectives.

Annual executive summary

See the major financial line items and cash flow in a consolidated annual view.

Portfolio and loan-type charts

Review consolidated visualizations and metrics for each of the four loan configurations.

Also included in these bundles

Explore more lending and business-model templates.

Lending & Credit Models

Explore financial models for lenders, loan portfolios, securitization, and lending platforms.

View the Lending bundle

Industry-Specific Financial Models

Explore business-specific forecasting templates across a range of industries.

View the Industry-Specific bundle

Supporting tools and concepts

Explore the related resources.

Financial Statement Generator

Explore an Excel tool for preparing financial statements on an accrual or cash basis.

View the template

Understanding Cap Tables

Read about cap tables and how they are structured.

Read the article

Sales Tracker

Explore a printable sales tracking template.

View the template

Weekly Employee Scheduling

Organize employee schedules with a separate planning template.

View the template

Monthly DCF Analysis

Explore a standalone discounted cash flow analysis template using monthly periods.

View the template

Questions before you start

A few useful details.

How is the borrower fee calculated?

The fee is a fixed percentage of the total amount borrowed. Borrower payments follow the selected repayment pattern, without monthly or compounding interest charges.

How many loan configurations can I model?

Up to four, with separate loan volumes, average loan amounts, fee percentages, terms, and starting months across a 10-year forecast.

Do I have to use leverage?

No. Debt funding is optional. When it is disabled, the funding required to originate loans flows to the project’s minimum equity requirement.

Does this version include financial statements and a cap table?

Yes. The upgraded model includes an Income Statement, Balance Sheet, Cash Flow Statement, and cap table.

What happens at the modeled exit?

Remaining loan receivables are sold using the selected exit multiple, and the remaining leverage balance is repaid in full.

Plan the lending business

Connect loan terms, funding, and cash flow.

Flat Fee Lending Excel Model — $75, one-time purchase.

Get the Flat Fee Lending Model

CAGR - Compounding Average Growth Rate

 This is a very simple, but easily forgetting formula that many people in finance or research use. The goal of the CAGR (compounding average growth rate) is to figure out the exact percentage that a beginning value must grow at per period in order to reach a final value in a given number of periods.

Read more »

Annual Employee Training Tracker: Built in Google Sheets

SmartHelping / HR / Google Sheets + Excel

Annual Training Tracker

Track training and annual program completions for up to 499 employees. Record each employee’s training status and date, review five automated reports, and organize a separate workbook for each year.

Up to 499 employeesMultiple programs per employee5 automated reportsAnnual workbook links
Annual Employee Training Tracker spreadsheet product artwork
$45One-time purchase / Excel download
Add Employee Training Tracker to Cart

Immediate download after purchase. By purchasing, you agree to the Terms of Service.

Built in Google Sheets, with an Excel version also available.

See the tracker in action

Walk through the setup, entry, and reporting tabs.

Open the tracker screenshots

A straightforward tracking workflow

Set up the lists. Record progress. Review the reports.

The database-style entry layout keeps the training records together while the reporting tabs organize the results.

1. Define the year and manager

Start on the cover page by entering the tracker year and the manager’s name.

2. Build the dropdown lists

On the Validation tab, enter a unique employee list and a unique list of training programs or tasks required for the year. Multiple programs can be tracked for each employee.

3. Enter training records

Use the Data tab to record Employee Name, Training Plan, Completed (yes/no), and Date. Employee and program dropdowns draw from your Validation lists.

4. Review the results

The reports populate as records are entered. Built-in error checks help identify entries that are missing a date or completion status.

Five automated reports

See who has completed each program and what needs follow-up.

Completion status — Report

Review an alphabetically sorted, unique employee list with completion status for each training exercise. Conditional formatting highlights Yes in green and No in red.

Completion dates — Report2

See the unique employee list together with the date each training exercise was completed.

Incomplete Training

Review employees recorded as No for a given training exercise.

Completed Training

Review employees recorded as Yes for a given training exercise.

Count Completed

See each employee’s total completed, incomplete, and pending programs, together with a supporting visual.

Organize the tracker year after year

Keep a reusable master and a workbook for each year.

The template provides link slots for up to 30 years of annual workbooks, so you can organize access to previous years from the Validation tab.

Prepare the master

Make a copy of the original Google Sheets file, enter the employee and training program lists, and keep that configured file as your master template.

Create the annual copy

At the beginning of each year, make a fresh copy of the master. The dropdown lists are already set up, and the new year starts with a blank tracking sheet.

Link the yearly files

Add each annual Google Sheets link to the available slots on the Validation tab. Each year’s completion records remain in its own workbook.

File formats and setup

Choose the version that fits your workflow.

Google Sheets

The tracker was built in Google Sheets. Use a free Google account to access the file and make your own working copy.

Excel

An Excel version is also available. The original release specifies Office 365 and notes that Office Insiders may be needed for compatibility.

Also included in the HR Tools bundle

Build out your employee management toolkit.

HR Management Templates

Explore spreadsheets for employee data, scheduling, payroll, hiring, performance, and training.

View the HR Tools bundle

Related reporting tool

Explore another Google Sheets reporting template.

Google Sheets Database Reporting

Explore a separate template for reporting from a database using multiple criteria.

View template details

Questions before you start

A few useful details.

How many employees can I track?

The template supports up to 499 employees at once.

Can each employee have several training requirements?

Yes. Add the training programs or tasks to the Validation list, then record the relevant employee and program combinations on the Data tab.

What does the 30-year organization feature do?

It provides link slots for up to 30 separate annual workbooks. Create a fresh copy for each year and save its link on the Validation tab.

What appears in the Incomplete Training report?

Employees entered with a No status for the selected training exercise. The Count Completed report also summarizes completed, incomplete, and pending totals.

Does the tracker check for missing information?

Yes. Error-checking logic helps identify entries with a missing date or completion status.

Keep annual training organized

Turn training records into a clear progress view.

Annual Employee Training Tracker — $45, one-time purchase.

Get the Employee Training Tracker

Dynamic Customer Spend and Retention Curves: Excel Model

SmartHelping / Customer Forecasting / Excel

Spend & Retention

Forecast customer counts and revenue using spending and retention patterns that change with customer age. Enter monthly acquisitions and define your curves across a 60-month framework for a startup or an existing business.

60-month frameworkRetention by customer ageFlexible spend patternsCustomer and revenue forecasts
Dynamic Customer Spend and Retention Curves Excel model product artwork
$45One-time purchase / Excel download
Add Customer Spend & Retention Model to Cart

Immediate download after purchase. By purchasing, you agree to the Terms of Service.

See the model in action

Walk through the customer spend and retention forecast.

Open the model screenshots

Three core inputs

Build the forecast around how customers behave.

Use the 60-month input framework to connect customer acquisition with the retention and spending patterns you expect.

Customers acquired per month

Enter the number of new customers acquired in each forecast month. These acquisition groups enter the model at different points in the calendar.

Retention by customer age

Define retention percentages for month 1, month 2, month 3, and onward in the customer relationship. Shape the pattern to reflect how retention changes as customers stay longer.

Average spend by customer age

Enter average customer spending for each month of the customer relationship. Spending can increase, decrease, or follow another pattern; it does not have to extend through all 60 months.

Calendar month and customer age

Follow the customer relationship as it develops.

Customer age measures the time since acquisition. A newly acquired customer starts at the beginning of the retention and spend curves, even when that customer joins later in the forecast.

Shape retention

Model a pattern in which more customers leave during the first few months, followed by slower losses among longer-standing customers. Set the age-specific retention values to reflect the behavior you expect.

Shape spending

Reflect customers who spend a certain amount when they join, spend more later, and then spend less as the relationship matures. The spend inputs let you define that sequence directly.

Customer counts and revenue

See how the assumptions combine in the forecast.

Useful applications include SaaS, eCommerce, and boutique retail, particularly where customer retention and spending change during the customer relationship.

Expected customer counts

Connect new customer acquisitions with the retention curve to forecast the customer base over time.

Expected revenue

Combine the customer forecast with spending assumptions that change by customer age to project revenue.

Also included in these bundles

Explore more recurring-revenue and business-model tools.

SaaS & Recurring Revenue Models

Explore templates for subscriptions, customer cohorts, recurring revenue, and related business models.

View the SaaS bundle

Industry-Specific Financial Models

Explore business-specific financial models across a range of industries.

View the Industry-Specific bundle

Related concepts

Read more about customer analysis.

Best Practices in Cohort Analysis

Explore cohort analysis concepts for subscription businesses.

Read the article

Customer Acquisition Cost for SaaS

Review how customer acquisition cost is calculated and the considerations behind the metric.

Read the article

Questions before you start

A few useful details.

What does customer age mean?

It is the number of months since a customer was acquired. Retention and spending assumptions follow that customer age, while new customer acquisitions are entered by forecast month.

Can retention and spending change over time?

Yes. Define the values by customer age so the forecast can reflect changing retention and spending patterns.

Do I have to enter spending for all 60 months?

No. The model provides up to 60 months of average customer spend inputs, but the spend pattern does not have to extend through the full period.

Can I use this for a startup or an existing business?

Yes. Use acquisition, retention, and spending assumptions that reflect the business you are forecasting.

Model the customer relationship

Turn retention and spending patterns into a revenue forecast.

Customer Spend & Retention Excel Model — $45, one-time purchase.

Get the Customer Spend & Retention Model

Vending Machine Ramping Financial Model

SmartHelping / Vending / Excel

Vending Machines

Plan the purchase, deployment, and operation of a growing vending machine business. Build a five-year forecast around up to three machine types, then review sales, operating costs, funding, cash flow, and a potential exit.

3 machine types5-year forecastMonthly + annual detailFinancial statements + cap table
Vending Machine Ramping financial model product artwork
$45One-time purchase / Excel download
Add Vending Machine Model to Cart

Immediate download after purchase. By purchasing, you agree to the Terms of Service.

See the model in action

Walk through the vending machine forecast.

Open the model screenshots

Build the rollout from the machine level

Connect each deployment to the operating forecast.

Enter assumptions in the designated light yellow cells with blue text. The model’s formulas populate the forecast from those inputs.

Machine types and deployment timing

Model up to three vending machine types. Enter the count deployed for each type in months 0 through 60 to build the rollout over time.

Purchase and deployment costs

Define the machine cost per unit and the cost to deploy each unit, with separate assumptions for each machine type.

Capacity and refill frequency

Use the height, width, and depth inputs to define maximum filled unit capacity for each type, then set the maximum number of refills per month.

Pricing, product costs, and waste

Enter weighted-average selling price and cost of goods sold per item, together with an average waste percentage.

From capacity to net sales

Account for seasonality and the cost of waste.

Maximum sales capacity

Machine capacity and refill assumptions establish the maximum sales volume per month for each machine type.

Seasonal utilization

Set the percentage of maximum capacity achieved for each month, machine type, and year. This scales the potential volume to the expected operating level.

Waste-adjusted revenue

The waste assumption reduces units available for net sales and the revenue earned from them.

Product cost before waste

Cost of goods sold uses the seasonality-adjusted volume before waste. Items lost to spoilage still carry a product cost, so waste reduces sales without removing the cost of those items.

Operating expenses and capital spending

Build out the costs of running and expanding the business.

Machine and refill costs

Set variable operating costs per vending machine and costs to refill, with assumptions by machine type.

Location revenue sharing

Include a vendor or location revenue share when a property owner receives a portion of sales for hosting a machine.

Fixed operating expenses

Use 30+ expense slots across three categories. Define each description, start month, and monthly cost for years 1–5; zero out items that do not apply.

Startup costs and future capex

Use separate schedules for one-time startup costs not already included elsewhere and for future capital expenditures.

Capital sources and exit assumptions

Connect the operating plan to the investment structure.

Loan, investor equity, and owner equity

Configure funding from a traditional loan, investor equity, and owner equity. Investor funding includes an assumption for the investor’s share of distributions.

Exit based on trailing revenue

Choose the exit month and a multiple of trailing 12-month revenue. The forecast stops at the selected exit month, and outstanding debt is repaid through the exit cash flow.

Financial reporting and investment returns

Review the business at monthly and annual levels.

Monthly and annual pro forma

Review the five-year operating detail through EBITDA, earnings before tax, net income, and cash flow.

Three financial statements

The upgraded model includes an Income Statement, Balance Sheet, and Cash Flow Statement forecast.

Cap table and global assumptions

Use the included cap table and the improved global assumptions added to the model.

Annual executive summary

Review key annual financial line items together with IRR, ROI, and equity multiple.

DCF analysis

Review discounted cash flow analysis for the project, investor, and owner, configured from the funding-source inputs.

Visualizations and machine metrics

Use the two visualizations and per-machine operating metrics to review the results of the deployment plan.

Also included in these bundles

Explore more retail and industry-specific models.

Retail Trade Financial Models

Explore forecasting templates for retail businesses and related operating models.

View the Retail Trade bundle

Industry-Specific Financial Models

Explore financial models built around the operating drivers of different businesses.

View the Industry-Specific bundle

Additional spreadsheets

Explore supporting tools.

Financial Statement Generator

Explore a standalone accounting and financial reporting template.

View model details

3-Tier Preferred Equity Waterfall

Explore a separate preferred equity distribution template.

View model details

Sales Tracker

Organize sales information with a printable tracking template.

View model details

FIFO Cost of Goods Sold Calculator

Explore an inventory costing template that uses FIFO.

View model details

Expense Tracker

Organize and review expenses in a separate tracking template.

View model details

Lending Business Financial Model

Explore a financial model for a business that originates loans.

View model details

Related concepts

Read more about the planning assumptions.

Seasonality in Financial Models

Review how seasonality can be reflected in a forecast.

Read the article

Giving Up Equity in a Startup

Explore considerations around bringing equity investors into a business.

Read the article

Questions before you start

A few useful details.

How many vending machine types can I model?

Up to three, with separate deployment, cost, capacity, and operating assumptions.

Can I add machines over time?

Yes. Enter machine deployment counts by type for months 0 through 60.

How does waste affect the forecast?

Waste reduces net sales and revenue. Cost of goods sold is based on seasonality-adjusted volume before waste, so the cost of spoiled items remains in the forecast.

What is the exit valuation based on?

The model applies your selected multiple to trailing 12-month revenue at the chosen exit month and repays outstanding debt at that time.

Does the model include financial statements?

Yes. The upgraded model includes an Income Statement, Balance Sheet, Cash Flow Statement, and cap table.

Plan the vending machine rollout

Connect machine growth to cash flow and returns.

Vending Machine Excel Model — $45, one-time purchase.

Get the Vending Machine Model
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