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Bankable Financial Models That Get Your Project Financed

We help companies structure debt-ready financial models and negotiate better loan terms with banks – so you close faster and save millions

Our Services

Our Services

Financial Model Development

Bank Loan & Equity Negotiation Support

Venture Equity & Debt raising

  • Audit-ready DCF, project finance, or LBO models in Excel

  • Built to IFRS/lender standards

  • User-friendly flexible financial models for financial institutions – cohort-based models

  • Includes sensitivity & scenario dashboards

  • Monthly&Quarterly financial models for tracking company perfomances, plan-fact analysis

  • CAPEX planning, debt sizing, DSRA, repayment waterfalls

  • Alignment with lender covenants & risk thresholds

  • Turnkey bankable project-finance model 

  • Term sheet review, covenant negotiation prep

  • Lender Q&A & documentation support

  • Covenant structuring, alignment between model & loan terms

  • 10–15 slide narrative: problem, solution, market, traction, financial summary, ask, use of funds

  • Pitch deck creation/review

  • Investor targeting

  • Term sheet basics & dilution modeling

  • Fundraising strategy support (pre-seed, seed, Series A+)​

From a bakery refinancing its oven loan to a fund closing a cross-border LBO – we bring the same rigor, speed, and lender insight

Sectors

Sectors
 

Startups & Early-Stage Companies

  • ​SaaS, fintech, healthtech, e-commerce, AI, cleantech, space, biotech

  • Raising venture debt, growth loans, or working capital facilities

  • Need to prove unit economics, runway extension, and repayment triggers

  • Complex cap tables, R&D cost allocation, milestone-based drawdowns

Small & Medium Enterprises (SMEs)

  • ​Family businesses, exporters, service firms, distributors

  • Seeking asset-backed loans, refinancing, or CAPEX funding

  • Focus on cash flow stability, collateral coverage, and covenant flexibility

Large industrial & Real estate companies

  • Residential, commercial, mixed-use, and hospitality projectsStructuring development finance, bridge loans, or refinancing

  • Industrial & ManufacturingHeavy machinery, food processing, logistics, automotive suppliers

  • Financing plant expansion, automation, or ESG upgrades

  • Emphasis on operational leverage, working capital cycles, and asset collateral

Infrastructure & Energy Companies

  • Renewable energy (solar, wind, storage), transport, water, waste, oil&gas, coal, power plants

  • Non-recourse or limited-recourse project finance

  • Detailed modeling of PPA revenues, DSRA, debt sculpting

Whether you’re a startup pitching your first bank loan, an SME refinancing growth capital, or an infrastructure developer structuring a $100M+ project finance deal—we create lender-ready, audit-compliant financial models and strategic financing packages that banks and investors trust. No guesswork. Just closed deals.

Our Cases

Our Cases
 

Cohort-based model for a non-bank financial institution

Challenge

Solution

Results

Helping a microfinance institution replace fragile spreadsheets with a bank-ready, user-friendly forecasting tool

Needed a simple, accurate, and user-friendly model to forecast portfolio performance – delinquency, cash flows, and growth – by loan cohort.

Existing spreadsheets were static and not actionable for non-technical staff.

Built an intuitive, cohort-based Excel model with:

  • Dashboard-style inputs

  • Automated loan aging by cohort

  • Built-in KPIs (PAR 30, yield) & stress tests

  • Core tool for planning & risk

  • 98% accuracy in portfolio performance forecast

  • Fully managed in-house

Bankability Model for a  Residential Project in Bali

Helping a Bali developer secure pre-construction financing with a bank-grade model that won lender confidence

Challenge

To secure pre-construction financing, the developer needed a bankability model proving repayment capacity, realistic sales absorption, and resilience to market shocks

Solution

We built a bank-ready model aligned with institutional standards, featuring:

  • Full project lifecycle cash flows

  • Conservative, defensible assumptions on pricing & sell-through

  • Debt module: drawdowns, interest reserve, repayment waterfall

  • Stress tests: 6-12 delay, 15% price cut, tourism downturn

  • Key metrics: DSCR, LTC, LTV, IRR, breakeven

Results

  • Pre-construction loan approved by a Southeast Asian bank

  • Clear covenant tracking & repayment visibility

  • Optimized unit mix & launch timing → better cash flow

  • Now the official baseline for investor reporting & budgeting as well as plan-fact model

Bankability Model for Business Expansion

Helping a second-generation Oregon food producer secure SBA financing with a lender-ready financial model

Challenge

To fund a $5.2M facility expansion, the family approached banks—but lenders required a formal bankability model.

Their historical financials showed profit, but lacked forward-looking projections on debt service, cash flow, and risk under realistic growth conditions.

Solution

We built a comprehensive, bank-ready model blending operational detail with institutional standards:

  • 5-year integrated financials tied to production ramp-up

  • Revenue by channel: retail, wholesale, DTC – with conservative adoption rates

  • Detailed capex, working capital, and depreciation schedules

  • Key metrics: DSCR, LTV, Debt/EBITDA, breakeven

  • Stress tests: supply chain costs, labor inflation, slow retail uptake

Results

  • Secured $5.2M SBA 7(a) loan from a national bank in 9 weeks

  • Gave owners data-driven confidence to proceed with expansion

  • Now used monthly for performance tracking & decision-making

  • On track for 70% revenue growth post-expansion – with margins intact

Investor Model for a Startup

Helping a San Francisco AI startup turn product traction into a fundable, investor-grade financial model

Challenge

Investors demanded a defensible model showing revenue, burn, hiring, runway, and cap table evolution.

The founders’ spreadsheet lacked unit economics, scalability logic, and clear links between funding, growth, and dilution

Solution

We built an investor-grade, dynamic model featuring:

  • Revenue by segment (SMB/mid-market) with CAC, churn & pricing

  • Integrated 3-statement projections tied to hiring & go-to-market

  • Cap table module: SAFE conversion, option pool, ownership over time

  • Scenario dashboards: base/optimistic/conservative with KPIs

  • Fundraising tracker: runway by funding amount & milestones

Results

  • Closed $2.7M seed round from top-tier U.S. VC in 4 months

  • Model used in 15+ investor meetings – praised for realism

  • Negotiated from strength, preserving founder equity

  • Now the core planning tool for quarterly forecasting & KPIs

Timeline

Timeline

Week 1: Discovery & Foundation

  • Kickoff call: Align on financing objectives, lender requirements, and key assumptions

  • Data intake: Collect historicals, capex plans, term sheets (if any), and market benchmarks

  • Scope finalization:

Week 2: Build Core Financial Model

  • Develop dynamic Excel model (DCF, project finance, or venture debt structure)

  • Integrate realistic revenue, cost, and capex drivers

  • Build debt schedule, repayment waterfall, and covenant trackers (e.g., DSCR, LTV, ICR)

  • Run base + stress scenarios (e.g., 20% revenue drop, interest rate hike)

  • Internal QA: Model audit for formula integrity, circularity, and compliance

Week 3: Craft Pitch Deck + Negotiation Prep

  • Translate model insights into a 10-15 slide pitch (problem, solution, market, traction, financial summary, ask, use of funds)

  • Design lender-focused narrative: emphasize repayment capacity, collateral, and risk mitigation

  • Prepare negotiation playbook:Term sheet red flags

  • Covenant negotiation pointsQ&A cheat sheet for due diligence

Week 4: Finalize, Deliver & Support

  • Incorporate client feedback (1-2 rounds)

  • Deliver final assets:

    • Clean Excel model (with instructions)PowerPoint + PDF pitch deck

    • Loan negotiation guide

    • Provide 30-day post-delivery support: answer lender questions, tweak assumptions, or adjust covenants

Most models delivered in 7–10 business days

Team

Team

Our team brings institutional-grade discipline to every model we build.
We’ve collectively closed $20+ billion in LNG and infrastructure project finance deals, spent 5+ years as financial model developers in banks and non-bank financial institutions, and advised on complex transactions in metals & mining and top-tier M&A.

We’ve sat in credit committees. We’ve stress-tested billion-dollar cash flows. We’ve reviewed hundreds of financial models – and made the final call to say “yes” or “no” to funding.

That’s why we don’t just build spreadsheets.
We build bankable models – and pitch narratives that speak the language of lenders, investors, and board members, not just founders.

Get Consultation

Get a Consultation

Send us an inquiry

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Or write on WhatsApp:​ +1 (418) 476-7002

Email: info@finmod-solutions.com 

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