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. Also, check out this SaaS Rolling Revenue Forecast.
Vending Machine Ramping Financial Model
Ramping up vending machines requires careful planning and cash flow forecasting. This financial model template is a great way to build a strategic plan centered around the purchase, deployment, operations, and potential exit of a vending machine business. Bottom-up assumptions are used for maximum investor clarity and more defendable feasibility study. The focus is on ramping up machines over time and everything is dynamic based on that.
Bike Shop: 5-Year Financial Model
If you were thinking about opening up your own bike shop, this template will be of great value in planning out all the financing, financial performance expectations, and minimum initial investment requirement based on the defined assumptions.
Payroll Tracker and Calculator - Budget vs. Actual: Excel Template
Anyone that has to enter payroll into their accounting software and/or calculate it each month will benefit from this Excel template. It is completely editable and easy to use for anyone. The goal is to provide a really organized way for any Accounting department to clean up how they calculate payroll and track it vs. budget.
Employee Benefits and Data Management Template for HR Departments
I built this tracking tool in Google Sheets because the conditional formatting and filtering summarizations could not be done easily in Excel. This template was designed for general use by any HR department. It is fully editable once purchased and should improve organization and reporting as well as general decision making that must happen in regards to employees.
Cash Conversion Cycle: Excel Quarterly Tracker
Cash Conversion Cycle (CCC) is an efficiency metric that comes up in the management of any business that deals with inventory. The goal is to figure out how long it will take (in days) to turn cash that is invested into inventory back into profits. In order for any organization to calculate this, they will just need a few items from the financial statements.
Self-Storage Investment Analysis: Multi-fund Ramping
I actually found a twitter thread talking about scaling into self storage facilities (entering a deal, exiting, using those proceeds for a new deal, etc...) but there was not a lot of nuance or detail on how you can get from A to B and what kind of deal structure was used for the joint venture. So, I built a model that has all the logic to figure this out based on assumptions for up to 6 deals. (you can use it for just 1 deal as well)
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