Financial Projections

The Financial Projections stage aims to assess the economic and financial viability of the business and demonstrate whether the set goals can be realistically achieved.

More than just a numerical exercise, it's the translation of all decisions made in previous stages — idea, market, and structure — into concrete financial results.

If the foundations are sound, the plan will show positive results; otherwise, it will be the ideal time to review what is necessary before moving forward.

This is where strategy meets numbers and viability is put to the test.

How this stage works

Vibz's Financial Projections work completely differently from conventional applications.

Here, the process is straightforward, smart, and connected to the strategic decisions made in previous stages.

AI suggests items, and the system's financial engine performs all calculations in an integrated manner, automatically generating the Projected Income Statement, Projected Cash Flow, and Investment Analysis — all based on real data from your plan.

Financial Assumptions

The starting point is the financial assumptions, already configured with standard values and updated by Vibz.
They include:

• Projected inflation

• Basic interest rate (Selic)

• Labor and social security charges

• Taxes and financial fees

• Depreciation rate

• Base attractiveness rate (used in NPV and IRR calculation)

• Default rate

These parameters automatically feed all system analyses and projections.

Users can keep Vibz's suggestions or customize them according to their business profile.

This ensures consistency and accuracy in financial reports, even without prior financial experience.

Initial Investments and Funding Sources

In this stage, the entrepreneur informs everything needed to get the business up and running — from equipment, furniture, and systems to initial working capital.
Each item can be categorized by type and purpose.

Additionally, Vibz allows you to define funding sources:

• Own capital

• Angel investor or partner

• Crowdfunding or donations

• Loans and financing

When there is financing, the system allows for estimating installments, interest, and terms, automatically integrating the impacts into the cash flow.

General and Marketing Expenses

Vibz has an internal chart of accounts, which facilitates expense control and categorization.

Expenses can be recurring, one-time, or linked to revenue percentages.

Furthermore, marketing is treated differently. Recognizing its importance for business growth, Vibz includes an exclusive section for Marketing Expenses, with specific categories and the possibility of linking promotional investments to revenue projections.

Workforce

The Workforce Expenses module allows you to register employees and service providers, whether CLT or PJ, including charges and benefits.

The system automatically calculates the total payroll impact on the business's results.

Direct Costs (COGS)

Direct costs — such as merchandise, raw materials, or service delivery costs — are linked to revenue sources, ensuring that each product or service has its cost structure well-defined.

Business Revenues

This is one of the most flexible and powerful parts of Vibz.

The entrepreneur can register almost any revenue model, including:

• Product sales

• Service charges

• Subscription models

• Billed hours

• Commissions

• Occupancy rates, among others

The system allows for forecasting seasonality, monthly and annual growth, as well as churn rates (cancellations).
Everything is done intuitively, with AI support to maintain coherence between revenue, cost structure, and target market.

Automatically Generated Results

With all information filled in, Vibz automatically performs the calculations and presents three major deliverables:

a) Projected Income Statement

Demonstrates the evolution of revenues, costs, and expenses over five years, presenting the operating profit and net profit of the business.
The model is generated based on the accrual basis and can be viewed month by month or year by year.

b) Projected Cash Flow

Shows the actual cash inflows and outflows throughout the projection period.
Allows for visualizing months with negative balances, forecasting working capital needs, and monitoring accumulated cash generation.

c) Investment Analysis

Based on the Discounted Cash Flow (DCF) model, AI automatically calculates the main financial indicators of the project:

• NPV (Net Present Value)

• IRR (Internal Rate of Return)

• Payback (Payback Period)

• ROI (Return on Investment)

These indicators are interpreted by the system, which generates automatic conclusions about the attractiveness and risk of the business, in a visual and easy-to-understand way.

Why this stage is essential

Numbers, alone, don't tell the whole story — but when well-structured, they tell the truth about your business.

Vibz's Financial Projections module combines simplicity, automation, and analytical intelligence.

It doesn't require the entrepreneur to understand accounting but delivers results with the same precision as a financial analyst.

It's the moment when vision becomes viable — and the future of the business can be projected, measured, and adjusted in real-time.