Financial Projections

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

More than 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 coherent, the plan will show positive results; otherwise, this is the ideal moment to review what's 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, intelligent, 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 financial assumptions, already configured with default values and updated by Vibz.
They include:

• Projected inflation
• Base interest rate (Selic)
• Labor and social security charges
• Taxes and financial fees
• Depreciation rate
• Base discount rate (used in NPV and IRR calculations)
• 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 finance experience.

Initial Investments and Funding Sources

In this stage, entrepreneurs input everything needed to get the business operational — 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:

• Equity capital
• Angel investor or partner
• Crowdfunding or donations
• Loans and financing

When there's financing, the system enables estimation of installments, interest, and terms, automatically integrating impacts into cash flow.

General and Marketing Expenses

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

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

Additionally, marketing receives differentiated treatment. Recognizing its importance for business growth, Vibz provides an exclusive section for Marketing Expenses, with specific categories and the ability to link promotional investments to revenue projections.

Labor

The Labor Expenses module allows registration of employees and service providers, whether full-time or contractors, including payroll taxes and benefits.

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

Direct Costs (COGS)

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

Business Revenue

This is one of Vibz's most flexible and powerful sections.

Entrepreneurs can register virtually any revenue model, including:

• Product sales
• Service billing
• Subscription models
• Billable hours
• Commissions
• Occupancy rates, among others

The system allows forecasting seasonality, monthly and annual growth, plus 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 calculations and presents three major deliverables:

a) Projected Income Statement

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

b) Projected Cash Flow

Shows actual cash inflows and outflows throughout the entire projection period.
Allows visualization of negative balance months, forecasting working capital needs, and tracking cumulative cash generation.

c) Investment Analysis

Based on the Discounted Cash Flow (DCF) model, AI automatically calculates the project's key financial indicators:

• NPV (Net Present Value)
• IRR (Internal Rate of Return)
• Payback (Return Period)
• ROI (Return on Investment)

These indicators are interpreted by the system, which generates automatic conclusions about the business's attractiveness and risk, in a visual and easily understandable format.

Why this stage is essential

Numbers alone don't tell everything — 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 entrepreneurs to understand accounting, but delivers results with the same precision as a financial analyst.

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