Free Fintech / Lending Discounted Cashflow Forecasting Model — DCF Valuation (Excel)

A Fintech / Lending DCF valuation model discounts the future free cash flow of a Fintech business back to today at your cost of capital. Venture-stage risk (~14% WACC) and loan-book growth make the forecast horizon and credit losses central to value. Build unlevered free cash flow, a WACC or full CAPM discount rate, a Gordon-Growth terminal value and equity IRR in a fully formula-linked Excel workbook — free for up to 3 years.

⚡ Build my Fintech DCF Valuation — 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 unlevered free cash flow, a WACC or full CAPM build-up, a Gordon-Growth terminal value cross-checked against an EV/EBITDA multiple, enterprise and equity value, equity IRR and two-way sensitivity tables — all live Excel formulas. Corporate tax is applied with loss carryforward, and every figure traces back to a visible assumption. Free for a 3-year model; 5–25 years is $19.98 per model download, no subscription.

Frequently asked questions

What makes a Fintech DCF different?

In a Fintech valuation, venture-stage risk (~14% WACC) and loan-book growth make the forecast horizon and credit losses central to value. The model builds unlevered free cash flow, discounts it at your WACC, adds a Gordon-Growth terminal value cross-checked against an EV/EBITDA multiple, and runs sensitivity tables so you present a range, not a single point.

How many years should a Fintech DCF forecast cover?

Usually 3–5 years for rounds, 10+ for lending vehicles — long enough for cash flows to mature so the terminal value isn't doing all the work. The free tier covers 3 years; premium extends to 25.

Is this Fintech DCF template free?

Yes — a full 3-year Fintech DCF valuation downloads free with no sign-up. Free for a 3-year model; 5–25 years is $19.98 per model download, no subscription.

Fintech across our four models

Fintech / Lending Financial Model · Fintech / Lending Cashflow Forecasting Model · Fintech / Lending Free Cashflow Model

Other industries — DCF Valuation

SaaS · Data Center · Real Estate · Manufacturing · Hotel · E-commerce · All dcf valuation models