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.
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See the model in action
Walk through the lending forecast.
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.
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 templateUnderstanding Cap Tables
Read about cap tables and how they are structured.
Read the articleSales Tracker
Explore a printable sales tracking template.
View the templateWeekly Employee Scheduling
Organize employee schedules with a separate planning template.
View the templateMonthly DCF Analysis
Explore a standalone discounted cash flow analysis template using monthly periods.
View the templateQuestions 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.
