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

 This type of lending business was spawned from the original lending business financial model I did awhile back. The difference in this kind of business model is that a fixed percentage or 'fee' is charged based on the total amount borrowed. There is no monthly interest or compounding interest. Also, this kind of endeavor is usually funded with leverage that is lower cost than the flat fee being collected from customers and usually the difference is substantial as that is where the margin is made.

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.

Annual Employee Training Tracker: Built in Google Sheets

 Any HR manager out there will be able to make use of this template. It was made to keep track of training / other annual program completions for up to 499 employees at once. The flow is easy for anyone to follow and there is structuring setup so you can keep your workbooks organized for up to 30 years worth of time if needed. (a single workbook per year with link slots for each year).

Dynamic Customer Spend and Retention Curves: Excel Model

 This is some of the most useful and widely needed logic for any business. It doesn't matter if you are trying to forecast for a startup or an existing operation. If the nature of your customer base involves highly fluctuating retention patterns and spend patterns, this financial model will be of use. Common applications would be for SaaS, eCommerce, boutique retail.

Vending Machine Ramping Financial Model

You may have never thought of it, or you might be a titan in the industry. Whatever the case is, this Excel template is a great way to build a financial forecast centered around the purchase, deployment, operations, and potential exit of the vending machine business. The assumptions are all bottom-up for maximum investor clarity and more logical revenue / expense forecasting. You simply have to enter the inputs. The focus is on ramping up machines over time and everything is dynamic based on that.