I will build a 3-statement startup financial model in Excel with projections

I will build a 3-statement startup financial model in Excel that links your income statement, balance sheet, and cash flow into one driver-based projection you can actually defend to investors.

If you are raising a round, planning a budget, or stress-testing your runway, you need numbers that hold together. A model where the three statements truly tie out, where every assumption is visible and editable, and where changing one input flows correctly through revenue, costs, working capital, and cash. That is exactly what I build.

What you get

• A fully linked 3-statement model in Excel (.xlsx): Income Statement, Balance Sheet, and Cash Flow Statement, with the balance sheet balancing to zero in every period.
• Monthly projections for the near term (typically the first 12-24 months) rolling up into annual projections for a 3-5 year horizon, depending on your tier.
• A dedicated, color-coded Assumptions / Drivers tab where every input lives in one place: pricing, growth rates, churn, headcount, salaries, CAC, COGS %, payment terms, tax rate, and more. Blue = input, black = formula, so you always know what is safe to change.
• A revenue build matched to your model: SaaS (MRR/ARR, new logos, expansion, churn), e-commerce (traffic x conversion x AOV), marketplace (GMV x take rate), services (capacity x rate x utilization), or transactional. I pick the structure that fits how you actually make money.
• A headcount and payroll schedule that ties hiring plans to operating expense and burn.
• Working capital mechanics done properly: accounts receivable, accounts payable, inventory, and deferred revenue driven by day-based assumptions so cash timing is realistic, not hand-waved.
• A cash flow and runway view: monthly cash balance, net burn, gross burn, and months of runway, with a clear marker for when you run out of money at current assumptions.
• Debt and/or equity financing lines so you can model a raise, a loan, or a SAFE/convertible and see the effect on the balance sheet and cash.
• A clean summary / dashboard tab with the headline metrics and charts you would drop straight into a board update or data room.
• A short assumptions memo documenting where each key number came from, so you can answer "why 8% monthly growth?" without guessing.
• One source file, unlocked and unprotected, that is fully yours to edit, extend, and reuse forever.

Plans

	Basic	Standard	Premium
Statements	Income Statement + simplified cash	Full 3-statement, fully linked	Full 3-statement, fully linked
Projection horizon	3 years annual	5 years, monthly + annual	5 years, monthly + annual
Revenue build	Single revenue stream	Multi-stream, driver-based	Multi-stream + scenarios
Scenarios	—	Base case	Base / best / worst toggle
Headcount schedule	Basic	Detailed by role	Detailed by department
Working capital (AR/AP/inventory)	Simplified	Full	Full
Financing (debt/equity/SAFE)	—	Included	Included + cap-table-aware
Dashboard & charts	Key metrics	Dashboard + charts	Investor-ready dashboard
Assumptions memo	—	Included	Included
Walkthrough call	—	—	Included
Revisions	1	2	3

How it works

1. You share the context. Tell me your business model, stage, and goal (fundraise, budgeting, internal planning). Send any historicals, a pitch deck, a price list, or even a rough napkin sketch. No formal accounting required.
2. We align on assumptions. I send you a short questionnaire and, where useful, a quick structure proposal. We agree on the revenue logic, the projection horizon, and the key drivers before I build anything.
3. I build the model. I construct the assumptions tab first, then the revenue and cost builds, then wire the three statements together and reconcile cash. I check that the balance sheet balances in every single period.
4. First draft delivered. You receive the working Excel file plus a short note explaining how to drive it and where to change inputs.
5. We refine. You review, we adjust assumptions or structure within your tier's revision count, and I re-tie everything so it still reconciles.
6. Handover. Final file delivered, fully unlocked. On Premium, we do a screen-share so you can drive it confidently in front of investors.

Why choose this

I build models that integrate, not three disconnected tabs that look like a 3-statement model but never reconcile. The balance sheet balances. Cash is derived, not typed in. Every assumption is a labeled, editable cell, so when an investor asks "what if growth is half that?", you change one number and watch the whole model respond live.

I also keep it honest. I will not bolt a hockey-stick onto your revenue to make a slide look good. The structure is transparent, the formulas are auditable, and the logic is something you can explain in your own words. That is what earns trust in a diligence process.

The file is clean, conventionally formatted, and built to grow with you. Six months from now when you add a product line or a new funding round, you can extend it yourself instead of starting over.

Who it's for / use cases

• Founders raising pre-seed, seed, or Series A who need a credible model for the data room and investor questions.
• Early-stage startups building their first real budget and runway plan.
• Operators and finance leads who want a clean base model to maintain in-house.
• Accelerator and incubator participants preparing for demo day.
• Existing businesses modeling a new product, a price change, or a hiring plan.
• Anyone replacing a messy spreadsheet with a properly linked, defensible model.

FAQ

Q: I don't have audited financials or an accounting background. Can you still help? Yes. Most early-stage founders don't. I work from whatever you have, a deck, a price list, some bank exports, or just your knowledge of the business, and I translate it into a structured model. I will guide you on the assumptions that matter.

Q: Will the three statements actually tie together? Yes, that is the core of the deliverable. The income statement, balance sheet, and cash flow are fully linked, and the balance sheet balances to zero in every period. If it didn't, it wouldn't be a real 3-statement model.

Q: What software do I need? Microsoft Excel. The model works in desktop Excel and is generally compatible with Google Sheets and Excel for Mac, though I build and test in Excel for full formula fidelity. I do not deliver locked or macro-dependent files unless you specifically request them.

Q: Can I edit the model myself afterward? Absolutely. The file is delivered unlocked and unprotected, with a clear input/formula color convention. It is yours to change, extend, and reuse with no restrictions.

Q: Can you guarantee my projections will be accurate? No one honestly can, and I won't pretend otherwise. A model is a structured set of assumptions, not a prediction. What I guarantee is that the mechanics are correct and the assumptions are transparent, so the outputs follow logically from inputs you control.

Q: How do you handle revenue if my business is unusual? I tailor the revenue build to your model, whether that is subscription, usage-based, marketplace take rate, e-commerce funnel, or services utilization. If it is a hybrid, we combine the relevant logic. Just describe how money comes in.

Q: What do you need from me to start? A short description of your business and stage, your goal for the model, your rough pricing, any cost or headcount plans, and historicals if you have them. I provide a questionnaire to make this easy.

Q: How many revisions are included? It depends on your tier: one revision on Basic, two on Standard, and three on Premium. Revisions cover assumption changes and reasonable structural tweaks; a fundamentally different business model is a fresh build.

Q: Can you also help me present it to investors? On the Premium tier, yes. We do a walkthrough call so you understand every driver and can answer questions live. I can also tailor the dashboard tab to match the metrics in your deck.