Free Fintech / Lending Cashflow Forecasting Model (Excel)

A Fintech / Lending cashflow forecasting model projects the cash a Fintech business generates and consumes — operating, investing and financing — with working-capital timing at its core: a growing loan book absorbs funding cash before interest and fees are collected, so book growth and funding timing dominate liquidity. Enter your revenue, costs and receivable, inventory and payable days, then download a self-balancing, fully formula-linked Excel forecast — free for up to 3 years.

⚡ Build my Fintech Cashflow Forecast — free (requires JavaScript)

Key drivers pre-loaded for Fintech

Loan book × NIM	Interest-income engine
Fee income stream	Origination and servicing fees
High growth defaults	45% early book growth, tapering
WACC ~14%	Venture-stage fintech discount rate

What you get

An automated, fully formula-linked Excel workbook with operating, investing and financing cash flows in a self-balancing Excel model, a dedicated working-capital schedule driven by receivable (DSO), inventory (DIO) and payable (DPO) days, closing cash by period and a peak-funding-need figure. Corporate tax is applied with loss carryforward, and every figure traces back to a visible assumption. Free for a 3-year forecast; 5–25 years is $19.98 per model download, no subscription.

Frequently asked questions

How does working capital drive cash flow in a Fintech model?

For a Fintech business, a growing loan book absorbs funding cash before interest and fees are collected, so book growth and funding timing dominate liquidity. Enter DSO, DIO and DPO and the model converts them into the period-by-period working-capital movement that either consumes or releases cash — the difference between a profit projection and a real cash forecast.

How many years should a Fintech cashflow forecast cover?

Typically 3–5 years for rounds, 10+ for lending vehicles. Monthly forecasts are best kept to a few years for runway and seasonality; the free tier covers 3 years and premium extends to 25.

Is the Fintech cashflow forecast really free?

Yes — build, preview and download a 3-year Fintech cashflow forecast free with no sign-up. Free for a 3-year forecast; 5–25 years is $19.98 per model download, no subscription.

Fintech across our four models

Fintech / Lending Financial Model · Fintech / Lending DCF Valuation Model · Fintech / Lending Free Cashflow Model

Other industries — Cashflow Forecast

SaaS · Data Center · Real Estate · Manufacturing · Hotel · E-commerce · All cashflow forecast models