Lender Business Model (UNLOCKED)
Originally published: 09/08/2019 18:09
Last version published: 06/09/2020 06:41
Publication number: ELQ-75503-6
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Lender Business Model (UNLOCKED)

Enables Lender or Creditor to compute loan originations, payouts, and loan sales. Displays up to 4 borrower profiles.

NOTE: A free DEMO version of this model can be found at:

At ExcelModels we create world-class templates that produce multi-year forecasts by month.
We value form and function equally. Our models are powerful and highly intuitive, built for new users and experts alike.

We color-code cells to prompt for inputs which drive financial formulas that produce Board-ready, GAAP-compliant Pro Forma financials.

Each business model produces a forecasted Income Statement, Balance Sheet, and Statement of Cash Flows.

This Lender Business Model describes a Lending Company which uses invested cash and monthly cash flows to fund loans for up to 4 types of borrowers.

Features include:
● Centralized input sheet for rates, fees, bounties, & repayments
● 4 color-coded borrower risk profiles presented side-by-side for easy comparison
● A revenue stream for aftermarket Sales, if any
● Loan originations worksheet
● Amortization schedules
● Cash Flows generated from Interest Income and secondary market sales
● Worksheets for COGS, Headcount, Payroll, Overhead, and Operating Expense
● Capitalization schedule including Revenue Participation Notes, if any
● 10-year Pro Forma Income Statement, Balance Sheet, and Statement of Cash Flows

As with all models at ExcelModels, checks and balances are in-place, highlighting areas (such as a negative cash balance) where the user needs to adjust assumptions elsewhere.

This template contains clearly-labeled input cells, focusing the user on key assumptions they control, prompting an accurate forecast.

We provide customization and build-out for an additional fee.
Please contact us for more information.

This Best Practice includes
1 Excel file

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  • John Haughton MD, MS(last updated: 14/04/2021 13:48)

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