SmartHelping / Lending & Financial Services / Excel
Loan & Deal Brokerage Financial Model
Forecast leads, conversion, closing delays, fee revenue, retainers, direct labor, funding and returns across three loan channels plus an investment-banking or capital-advisory channel.
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See the model in action
Walk through the operating assumptions and connected outputs.
See how leads, relationship activity, funnel conversion, closing timing, transaction size and fee structures move through the operating forecast, financial statements and investor-return analysis.
What the template includes
A connected model for transaction-driven financial services.
Build revenue from the activity that creates closed loans and completed deals, then connect the operating requirements to funding, statements, cash flow and investor returns.
Model loans and advisory work together
Use three configurable loan channels plus a separate investment-banking, deal-brokerage or capital-advisory channel with its own operating logic.
Turn leads and relationships into closings
Move loan leads through application, approval and close while moving advisory relationships through mandate conversion and completed deals.
Offset revenue for the time required to close
Use average time-to-close assumptions so current activity produces transaction revenue in the appropriate future month.
Combine percentage, fixed and recurring fees
Model broker or advisory fees, fixed fees, lender premiums and, for capital advisory, monthly retainers between mandate start and closing.
Connect workload to commissions and hours
Build direct labor from commissions, funnel-stage processing work, fulfillment roles, analyst hours, wages, efficiency and capacity assumptions.
Scale marketing and transaction costs with volume
Apply costs per lead, funded loan, application, approval, closing and other relevant activities instead of treating every cost as fixed overhead.
Stage investments and startup costs over time
Plan five equity investment rounds at different dates and place startup costs within the first 24 months rather than forcing every cost into month one.
Follow the plan through to cash and value
Review connected statements, sources and uses, terminal value, IRR, equity multiple and 20 charts across monthly and annual views.
Three configurable loan channels
Connect lead generation to funded-loan economics.
Each loan channel can represent a different product or strategy, including residential mortgages, commercial real estate loans, SBA loans or another brokerage category.
Lead funnel
Enter leads per month and conversion rates from lead to application, application to approval and approval to closed loan.
Loan size and timing
Set average loan size, annual loan-size growth and the average number of months required to close so revenue follows the operating timeline.
Revenue per closing
Combine the broker fee as a percentage of loan volume with optional fixed fees and lender premiums.
Labor and capacity
Model loan-officer commissions, lead-processing hours, processor and fulfillment labor, wages, labor efficiency and capacity-based headcount.
Marketing and underwriting costs
Apply costs per lead and funded loan along with credit-report, underwriting and miscellaneous costs per application, approval or closing.
Capital advisory and deal brokerage
Track relationships, mandates, active deals and closings.
The fourth channel uses assumptions designed for investment-banking, placement, capital-advisory and other transaction-based engagements.
Start with new relationships per month
Build the top of the funnel from relationship activity rather than from a traditional loan application pipeline.
Model two stages of conversion
Set conversion from relationships to mandates and from mandates to completed transactions.
Separate mandate start from the close month
Define when a mandate begins after the relationship starts and the average time required for the deal to close.
Grow average transaction value by year
Enter average deal size and an annual growth rate so transaction volume can evolve with the business.
Build revenue around the engagement structure
Use success fees, fixed fees, optional lender premiums, the percentage of deals paying retainers and monthly retainer amounts from mandate start through close.
Connect active work to the required team
Model director or advisor commissions, lead-processing labor, analyst hours per active deal per month and a separate full-time-employee expense schedule.
How to use it
Move from channel assumptions to a complete financial plan.
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Define each channel and its pipeline
Enter monthly lead or relationship activity, conversion rates, transaction sizes and closing timing for the channels you plan to operate.
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Build revenue, labor and direct costs
Set percentage fees, fixed fees, premiums, retainers, commissions, task hours, wages, capacity and activity-driven costs.
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Plan startup costs, overhead and financing
Stage startup expenses and equity rounds, then add fixed overhead and the available loan or debt options used to fund operations.
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Review statements, cash flow and returns
Use the monthly and annual reports, sources and uses, charts, terminal value, IRR and equity multiple to compare scenarios.
Financial planning and reporting
See what the operating plan requires—and what it may return.
The model carries the core operating assumptions into a complete set of reports so you can examine funding needs, financial performance and investor outcomes.
Staged startup plan
Place initial startup costs throughout the first 24 months and fund the business through as many as five separately timed equity investment rounds.
Operating financing
Add fixed overhead, other startup costs and the available loan or debt options used to finance operations.
Connected statements
Review monthly and annual income statements, balance sheets and statements of cash flows that update automatically with the assumptions.
Investment analysis
Use high-level and detailed sources and uses, cash-flow planning, terminal value, IRR and equity multiple to evaluate the funding and return profile.
Visual reporting
Use 20 charts to make the pipeline, revenue, costs, financial performance and return outlook easier to review and explain.
Who gets value from it
Built for origination and advisory businesses paid when transactions move.
Loan brokerage founders
Estimate the pipeline, team, startup capital and cash required to launch a transaction-based brokerage.
Mortgage, CRE and SBA brokers
Model different loan channels, closing delays, fee structures, processing work and funded-loan economics.
Capital advisory firms
Forecast relationships, mandates, active-deal labor, retainers, closing fees and transaction volume.
Owners, investors and advisors
Connect the operating case to statements, funding rounds, terminal value, IRR and equity multiple.
Also available in these bundles
Need a broader lending or industry toolkit?
The Loan & Deal Brokerage model is included in the following SmartHelping collections.
Lending & Credit Models
Explore models for origination, direct lending, loan portfolios, securitization, amortization and credit analysis.
View the Lending BundleIndustry-Specific Financial Models
Access operating models built around the revenue, cost, staffing and growth drivers of different businesses.
View the Industry BundleSuper Smart Bundle
Get the complete SmartHelping template collection for operating forecasts, valuation, finance and more.
View Super Smart BundleRelated financial models
Explore adjacent lending, financing and scaling frameworks.
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A few useful details.
What types of businesses can this model represent?
The template includes three configurable loan channels plus a fourth channel for investment banking, capital advisory or deal brokerage. The loan channels can be adapted to residential mortgage, commercial real estate, SBA or other brokerage activity.
How long is the forecast?
The model can run for up to five years and presents the forecast with both monthly and annual granularity.
How does closing time affect revenue?
Average time-to-close assumptions offset revenue so leads or relationships generated today produce closed-transaction revenue in the appropriate future month.
Can I model capital-advisory retainers?
Yes. Set the percentage of deals paying retainers and the monthly retainer amount. The model recognizes retainer revenue between the modeled mandate start and closing month.
Can startup costs and investments happen after launch?
Yes. Startup costs can occur throughout the first 24 months, and the model supports five equity investment rounds that can be placed at different times.
What financial reporting is included?
The template includes connected monthly and annual income statements, balance sheets and statements of cash flows, plus sources and uses, cash-flow planning, terminal value, IRR, equity multiple and 20 charts.
Put the entire transaction engine in one model
Connect pipeline, closings, staffing, funding and returns.
Build a monthly and annual plan across three loan channels and one capital-advisory channel. One-time purchase for $75.
