Free Fintech / Lending Financial Model Generator (Excel)
A fintech or lending financial model projects interest income from loan book × net interest margin plus fee revenue, against funding costs, technology spend and credit losses, producing linked statements with DCF valuation. Generate a 15-sheet Excel model free for up to 5 years.
⚡ Generate my Fintech / Lending model — free (requires JavaScript)
Key drivers pre-loaded in this template
| 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
A 15-sheet, fully formula-linked Excel workbook: Assumptions, Revenue, OPEX, CAPEX & Depreciation, Debt, Tax (with loss carryforward), Income Statement, Cash Flow, Balance Sheet, DCF Valuation, Sensitivity tables, a charted KPI Dashboard and an Integrity Check. Free 15-sheet linked Excel download for models up to 5 years (annual or quarterly, no sign-up). Models from 7 to 25 years are a one-time $29 premium download.
Frequently asked questions
Can it model a growing loan book?
Yes — model interest income as a revenue stream with growth bands tracking book expansion.
How do I reflect funding costs?
Use the debt module: principal, rate, tenor and grace period generate a full funding schedule.
What horizon do fintech investors want?
Venture rounds use 3–5 years (free tier); lending vehicles with long-dated books may extend to 10+ years with premium.
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