BizStartup FinModel · Startup Investment & CFO Model (Phase 1+2+3+4+5)

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BizStartup FinModel

Startup Investment & CFO Model

v0.5 · Phase 1+2+3+4+5 (Foundation + Operating Dashboard + Returns Analysis + Investment Story + Balance Sheet/Cash Flow Linkage) · Single-File · Offline-Ready · Fill Part1-6, Review Result, Save, Improvise

Data History

Backup / Restore

—

Save to History, Load Demo, and creating/editing rows never cost credits.

Saved	Company Name	Note	🔄️
No snapshots saved yet

ⓘ Click anywhere on a saved row to reload it (replaces everything currently on the page after a confirm) — the note field and ❌ delete button don't trigger a reload. Not compatible with TinyfarmstayCFO backup files — this is a separate app with its own data shape; the embedded/exported format is intentionally namespaced so the two can't be cross-imported and silently corrupt each other's data.

Model Health Checki

Company Name

B2B SaaS + Hardware-as-a-Service

Gross Revenue (this period)

0 revenue tables

Cost of Revenue (COGS)

0 COGS tables

Gross Margin

—% of revenue

Net Income (Bef. Financing)

Revenue − COGS − Opex − A&A · this period

Company & Product Setup

Setup

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🏢 Company Parameters

⚠️ Risk Register

Company Name

Sector / Industry

Reporting Currencyi

Business Model

Incorporation Entity & Jurisdiction

Founding Team Size (FTE)

Business Unit List (IDs / names)i

Target Customer Segment

Product / Service Description

Key Differentiator

Risk Register

0 open

Launch & Funding Timeline

Milestones

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Incorporation Date

Timeline reference day 0

MVP / Launch Date

+90 days from Incorporation

Runway: Launch → Next Raise (days)i

Auto · Next Raise − Launch

First Revenue Date

+120 days from Incorporation

Seed Round Close Date

+181 days from Incorporation

Next Raise Target Date

+365 days from Incorporation

Revenue Streams

Per-Business-Unit Line Items

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Revenue (this period) = Qty × Unit Price. Growth % compounds forward per-row in Section 07's 5-Year P&L Projection.

Cost of Revenue (COGS)

Per-Business-Unit Direct Costs

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Each row is one cost-category amount for that Business Unit this period — add one row per category that applies.

Revenue & COGS Rollup

Budget vs Actual

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Line Item	Budget	% of Gross Rev.	Actual	% of Gross Rev.
REVENUE
Gross Revenue		—	—	100.0%
COST OF REVENUE (COGS)
Materials		—	—	—
Installation & Setup		—	—	—
Shipping & Freight		—	—	—
Manufacturing & Assembly		—	—	—
Hosting & Infrastructure		—	—	—
Other COGS		—	—	—
Total Cost of Revenue	—	—	—	—
Gross Margin (Bef. Opex/A&A)	—	—	—	—

ⓘ Budget figures are your own planning targets — type over the seed values and they stay put; they never auto-sync from Actual. Actual pulls live from every Revenue Streams and Cost of Revenue table in Section 03. COGS categories not present in your data still show as $0 Actual, same as an unused Opex/A&A category below.

Operating Expenses

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Digital-Marketing Fee

Cloud Maintenance

Algo/AI Upgrade Fee

Mgt Team Opex

Tech/Mgt Consulting

Manpower / TechOps

Cost of Fundsi

Operating Expenses — Category Summary

Category	Total	Notes
Total Operating Expenses	$0

Adjustments & Amortization

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Depreciation

Interest Expense

Inventory Adjustments

Capital Gain/Loss

Other Adjustments

Adjustments & Amortization — Category Summary

Category	Total	Notes
Total Adjustments & Amortization	$0

CFO Dashboard — Operations

Live · Operating KPIs + 5Y P&L

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📊 Operating KPI Dashboard

📈 5-Year P&L Projection

Revenue & Cost of Revenue

Gross Revenue

$$0

Cost of Revenue

$$0

Gross Margin★ Key

$$0

%—%

Cost of Revenue Ratioi

%—%

Operating Costs

Operating Expenses (05)

$$0

Adjustments & Amortization (06)

$$0

Total Operating Costs

$$0

Opex Ratioi

%—%

Profitability★ Key: Net Income (Bef. Financing)

Net Income (Bef. Financing)★ Key

$$0

Operating Margini

%—%

Gross Revenue Composition — Cost of Revenue · Opex · A&A · Net Income

Cost of Revenue Operating Expenses Adjustments & Amortization Net Income

ⓘ Y1 uses live Actuals from Sections 03/05/06. Y2-Y5 are a projection, not a second data-entry surface — nothing here is saved as new source data.

Cost of Revenue — % of Revenue (Y2-Y5)i

Opex + A&A — Annual Escalation % (Y2-Y5)i

Line Item	Y1	Y2	Y3	Y4	Y5

Revenue vs Net Income — Y1-Y5 Projection

Revenue Net Income (Bef. Financing)

Financing & Capital Assumptions

Inputs for Section 09

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Initial Investment / Startup Capital Outlayi

Ongoing Annual Capexi

Net Working Capital — % of Revenuei

Loan Quantum — % of Initial Investmenti

Bank Loan Financing Rate %

Loan Term — Yearsi

Shareholder Equity — Expected Return %i

Shareholder Hurdle Rate %i

WACC — Computed Blendi

Auto · Loan%×Bank Rate + Equity%×Equity Return

DCF Horizoni

Opex Variable % (Implied)i

ⓘ Free Cash Flow (what Section 09 actually discounts) = Net Income (Bef. Financing) + Depreciation add-back + Interest Expense add-back − Ongoing Annual Capex − ΔNet Working Capital. Depreciation and Interest Expense are added back because they are both already netted into "Net Income (Bef. Financing)" via Section 06's Adjustments & Amortization total — Depreciation because it is non-cash, Interest Expense because WACC already prices the cost of debt and counting it twice would understate returns. This makes "Net Income (Bef. Financing)" upstream in Sections 02/07 a mislabeled figure in one respect: it is not actually before Interest Expense today. That is a known, disclosed gap, not a silent one.

Returns Analysis — DCF & Break-Even

Live · Phase 3

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📊 DCF Returns

⚖️ Break-Even (CVP)

Discount Rate (WACC)

%—

NPV★ Key

$—

IRR

%—

MIRRi

%—

Payback (Undiscounted)

Years—

Discounted Paybacki

Years—

Profitability Indexi

x—

Hurdle Check

—

Cumulative Discounted Cash Flow — Y0-Y5

Cumulative ≥ 0 (paid back) Cumulative < 0 (not yet paid back)

ⓘ Fixed/Variable CVP break-even, computed from Y1 Actuals.

Variable Costs (Y1)

$—

Fixed Costs (Y1)

$—

Contribution Margin Ratio

%—

Break-Even Revenue★ Key

$—

Actual Revenue (Y1)

$—

Margin of Safety

—

Cost Structure vs. Revenue — Break-Even Marker

Fixed Costs Variable Costs Revenue above break-even Revenue below break-even

Market Sizing — TAM/SAM/SOM

Bottom-Up

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Target Customer Counti

Average Contract Value ($/customer/yr)

SAM — % of TAMi

SOM — % of SAMi

TAM

—

SAM

—

SOM

—

Scenario Comparison

Single-Lever · Revenue Multiplier

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Conservative — Multiplier

Base — Multiplier

Optimistic — Multiplier

Aggressive — Multiplier

Metric	Conservative	Base	Optimistic	Aggressive

ⓘ NPV/IRR/Payback here use Section 08's Financing inputs and Section 09's current DCF Horizon, held fixed across all four columns — only the Revenue Multiplier changes. Base should closely match Section 09's DCF Returns tab; small differences would indicate an inconsistency worth investigating.

Cap Table

100.0%

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Founder / Pre-Round Shares Outstandingi

Total Shares Outstanding (after all rounds)

Founder Ownership (after all rounds)

Rows are sequential — each round dilutes every prior holder. Reordering rows changes the math.

#	Round	Stakeholder	Date	Investment	Pre-Money Valuation	Price / Share	New Shares Issued	Post-Money Valuation	Ownership (this row)	Cumulative Non-Founder %

Ownership Summary — by Stakeholderi

Stakeholder	Shares	Ownership %

Cash Flow Statement

New · Phase 5

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Ending Cash Balance (Final Year)★ Key

$—

Lowest Cash Pointi

—

Ending Cash Balance — Y0-Y5

Cash ≥ 0 Cash < 0

ⓘ After Y0, Financing Activities carries only the modeled loan's scheduled Principal Repayment (Section 14's amortization schedule) — no new debt or equity raises, no dividends/distributions are modeled. A cap table event (Section 12) or a future raise (Launch & Funding Timeline's Next Raise date) does not automatically inject cash here — that link does not exist yet.

Balance Sheet

—

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Loan Amortization Schedulei

ⓘ Simplifications disclosed: (1) Ongoing Annual Capex (Section 08) is held flat while Depreciation escalates at the same rate as Opex — over a long horizon Depreciation can outpace Capex and Net Fixed Assets can go negative below, which is a real modeling artifact, not a data-entry error; a negative figure is your signal to revisit those two assumptions together, not evidence of a bug. (2) No dividends, buybacks, or new equity raises are modeled after Year 0 — only the modeled loan's own scheduled principal repayment moves through Financing Cash Flow.