The 10-Year Financial Model for Established Businesses with P&L, Cash Flow, and Balance Sheet is a comprehensive and accessible tool crafted to offer existing businesses a clear, dynamic, and customisable financial roadmap. Whether you’re a business owner new to financial modelling or a seasoned investor, accountant, or financial analyst, this model is designed for ease of use.
From experience, we have seen that many clients, funders, and investors want to see projections with a longer time horizon. This is especially true for projects and industries that normally shows a rate of return at a later stage, e.g., property, renewable energy, technology, and manufacturing.
All formulas are fully visible and editable, empowering users to track calculations, understand the linking between sheets, and make any necessary customisations to suit their unique needs. This transparency ensures the model is not a black box but a clear, auditable tool.
Even users with basic Excel knowledge can seamlessly navigate and input key data.
This model is perfect for established businesses, offering essential tools to validate business viability, understand funding needs, and present an investor-ready financial projection.
Whether you sell products, services, or a combination of both, this model’s flexibility adapts to your unique business operations and funding requirements.
This model also allows users to input up to two previous years’ actual balances from audited financial statements or management accounts, ensuring realistic forecasts where closing balance sheet items from the last financial year become the opening balances for forward projections. This setup allows for accurate ratio and growth/variance comparisons, such as sales growth, gross profit, and net profit, with historical figures. Additionally, existing loans, debt, and equity are seamlessly incorporated into the projections.
| Component | Description |
| Automatic Calculations | All mathematical computations, including cost of capital, working capital, and free cash flow, are automated. Once data is inputted, the model instantly updates key figures across projections, financial statements, and valuation scenarios, removing the need for manual calculation and minimising potential errors. |
| Detailed Debt Repayment | Full debt repayment schedules are included, with monthly breakdowns of interest and principal repayments, considering the moratorium period if applicable. The model automatically updates debt repayment terms, allowing users to clearly understand long-term financial obligations and cash outflows. |
| Financial Statements | Income Statement, Cash Flow, Balance Sheet – The model includes comprehensive, automated monthly projections for the first 12 months. Users can generate precise projections, informed by key financial statements, for up to 10 years, facilitating short-term and long-term strategic planning. |
| Full Transparency and Editability | All formulas in the model are fully visible and editable, allowing users to track calculations, understand the linking between sheets, and customise the model as needed. This ensures transparency, auditability, and adaptability for unique requirements. |
| Guided Input for Easy Navigation | Throughout the model, each YELLOW-SHADED cell with BLUE TEXT marks an input area, guiding users on where to enter data. Next to these input cells, you’ll find “Read Note” sections—strategically placed helpful hints designed to provide additional guidance and clarity at every step. These notes make using the model straightforward and ensure you have the support you need without extra guesswork. |
| High-Quality Visuals | Over 10 high-quality graphs visually represent essential financial metrics, providing clear insights into performance trends, cash flow movements, revenue vs. expenses, product contributions, and key ratio analysis. Graphs enhance the interpretability of financial data and facilitate decision-making for stakeholders. |
| Key Financial Ratios | Comprehensive key financial ratios are calculated and displayed, aiding in a thorough assessment of financial health and performance. Ratios include, but are not limited to:
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| Master Input Sheets | Funding, Depreciation, OPEX, Labour – Detailed input sheets capture specific funding sources, depreciation schedules, operational expenses, and workforce planning. These master input sheets include up to 35 operational expense items and 35 distinct job roles, ensuring granular customisation. |
| No Advanced Knowledge Required | Users do not need to know, input, or alter any of the sheet linkages or underlying formulas. All complex calculations have been pre-programmed into the model, ensuring smooth navigation and user-friendly input fields. |
| Component | Description |
| Pre-Populated Mock Scenario | To assist with ease of use and provide a clear understanding of the model’s functionality, each purchased model file comes pre-populated with a mock scenario. This sample data demonstrates how the model operates in real-time, guiding users through its features and calculations. When ready to start, simply delete the BLUE TEXT in the YELLOW-SHADED input cells and replace it with your specific business data—making setup quick and intuitive. |
| Product/Service Forecasting | The model allows up to 10 individual products or services, with each having distinct revenue and cost forecasting capabilities. Users can set cost of sales either as a percentage of sales or on a per-unit basis, allowing granular control over profitability projections. |
| Sanity Checks for Accuracy | Built-in sanity checks ensure that the model, particularly the balance sheet, stays in balance throughout. These checks alert users to any discrepancies, ensuring data integrity and reliable projections as you progress through the model. |
| Scenario Analysis | Cash Burn Rate and Cash Runway – Built-in scenarios help assess cash requirements and sustainability by analysing monthly cash burn rate and cash runway duration.
Debt and Equity Funding Scenarios – The model accommodates both debt and equity funding inputs, allowing for comparative scenario analyses to evaluate financing options. Moratorium Options – Debt funding options include a moratorium (loan holiday period) of up to 5 years to assess debt structuring flexibility and impact. |
The use of this financial model is solely at the user’s own risk. Best Financial Models provides the template as a tool to assist users in their business planning and decision-making processes. However, the responsibility for adhering to the model’s instructions and guidelines lies entirely with the user. Best Financial Models cannot and will not be held liable for any inaccuracies, errors, or unintended outcomes resulting from the user deviating from the prescribed usage, including but not limited to the deletion, addition, or modification of rows, columns, formulas, or any other components of the model. Users are strongly advised to exercise caution when making any changes to the model to ensure its integrity and reliability are maintained.
| Business Type | All Businesses |
|---|---|
| File Format | Microsoft Excel |
This model is designed specifically for established businesses that need precision, clarity, and adaptability in their long-term financial planning. Whether you’re managing complex operations, preparing for high-stakes investor meetings, or planning sustainable growth in industries with delayed returns—such as renewable energy, property, or manufacturing—this model is your ultimate roadmap.
With fully integrated P&L, Cash Flow, and Balance Sheet projections, as well as features to track historical data and customise scenarios, this tool is perfect for presenting credible, actionable insights to stakeholders and funders. Its flexibility ensures it adapts to the unique challenges of your business, all while maintaining accuracy and transparency.
A summarised user guide is included with each model.
R3,499.00
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Immediate access to your chosen financial model, compatible with Excel or Google Sheets.
Our templates are designed for global use, featuring support for all major currencies.
Partner with JTB Consulting, one of the world’s most trusted Business Planning experts, with a proven track record of helping businesses succeed since 2006.
