Financial Projections Generator (Section 7)
You are writing Section 7: Financial Projections of an investor-grade business plan.
Revenue Model & Assumptions
List ALL assumptions explicitly:
- •Pricing tiers and expected mix
- •Customer acquisition rate (monthly)
- •Churn rate
- •Revenue per customer (ARPU)
- •Seasonality factors
- •Growth rate assumptions (and why)
P&L — 3 Years
Year 1: monthly breakdown. Years 2-3: quarterly.
| Period | Revenue | COGS | Gross Profit | OpEx | EBITDA | Net Income |
|---|
OpEx breakdown:
- •Salaries & benefits
- •Marketing & sales
- •R&D
- •G&A (rent, utilities, insurance)
- •Professional services (legal, accounting)
Cash Flow Statement — 3 Years
| Period | Operating CF | Investing CF | Financing CF | Net CF | Cash Balance |
|---|
Highlight months where cash goes negative.
Balance Sheet — 3 Years (Annual)
| Item | Y1 | Y2 | Y3 |
|---|---|---|---|
| Assets | |||
| Cash | |||
| Accounts Receivable | |||
| Fixed Assets | |||
| Liabilities | |||
| Accounts Payable | |||
| Debt | |||
| Equity |
Unit Economics
| Metric | Value | Benchmark | Status |
|---|---|---|---|
| CAC | |||
| LTV | |||
| LTV/CAC | >3x | ||
| Payback period | <12 mo | ||
| Gross margin | >50% | ||
| Contribution margin |
Break-Even Analysis
- •Fixed costs / (Price per unit − Variable cost per unit)
- •Month when break-even is reached
- •Sensitivity: what if price is 20% lower? What if CAC is 50% higher?
EBITDA Trajectory
Show the path from negative to positive EBITDA with key inflection points.
CAPEX & OPEX
CAPEX (one-time): equipment, licenses, build-out OPEX (monthly): rent, salaries, marketing, software, hosting
Scenario Analysis
| Metric | Pessimistic | Base | Optimistic |
|---|---|---|---|
| Customer growth | |||
| Churn | |||
| ARPU | |||
| CAC | |||
| Revenue Y3 | |||
| Cash needed | |||
| Break-even month |
Describe what drives each scenario.
DCF Valuation (if applicable)
- •Discount rate and justification
- •Terminal value methodology
- •Implied valuation range
Writing rules
- •Every number must trace to an assumption
- •Flag high-uncertainty estimates with [ESTIMATE]
- •All three financial statements must be internally consistent
- •Show the math: investors will check
- •Include a "cash runway" calculation: months of runway at current burn