Financial Modeling
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Sources of Funding
Here you record where the money comes from to cover Necessary Investments and the first months of operation — own capital, investors, financing, among others.
Val's Suggestions
In various Financial Modeling exercises, Val (Vibz's AI assistant) suggests items likely to be part of your business, based on what you've already filled out in the rest of the plan – but she never adds anything on her own.
Financial Assumptions
Financial Assumptions are the set of rates and parameters that Vibz uses to calculate all numbers in the Financial Modeling. It's not an exercise with its own content to "complete" — it's the configuration that underpins all other exercises in this stage.
Projected Income Statement (DRE)
The Projected Income Statement (DRE) shows whether the business generates profit or loss, month by month and year by year, from gross revenue down to net profit — the accounting result of the business, which is different from the cash balance.
Cash Flow
The Projected Cash Flow maps all money inflows and outflows of the business, month by month, showing how much cash is left (or missing) over time.
Expenses
Here you list all your business expenses outside of payroll: rent, utility bills, essential services, travel, and marketing expenses like paid media or social media management. These entries directly feed into the Cash Flow, P&L, and Investment Analysis — so it's worth being more thorough here than in purely descriptive exercises.
Marketing Expenses
General Expenses
Labor Costs
Required Investments
Here you list the one-time expenses needed for the business to start operating — what needs to be paid before or at launch, not the recurring cost of operating afterward.
Required Investments
Investment Analysis
Investment Analysis
Investment Analysis answers the ultimate question of Financial Modeling: is this business financially worth investing in? It uses Discounted Cash Flow (DCF) to compare what goes out (the initial investment) with what comes back (the projected free cash flows), bringing everything to present value.
Product or Service Costs
Product or Service Costs
Business Revenue
This is the most complex exercise in Financial Modeling because a single business can have multiple revenue streams, each with a different billing logic—and each can have associated direct costs and fine-tuned seasonality and growth adjustments.