Financial model · Pre-seed → Series B
Walk in with a tied-out 5-year, driver-based, integrated three-statement model — assets equal liabilities plus equity in every period — for the price of a template instead of a $2–5K fractional-CFO invoice. You don't have to take that on faith: the full worked sample and its computed JSON are open below, so you can check the balance ties to 0.00 before you spend a dollar. It's the structure investors expect — and you verify that yourself in the sample, no résumé required.
Request the kit — $149 See the sample
"Request," not instant checkout. You send the form, we email a payment link within one business day, the workbook arrives when you pay — often the same day. No card checkout on this site yet.
On a deadline? Email hello@modelkit.finance with your tier, delivery email, and your meeting time and timezone, and we prioritize it — most same-day requests we see during US-Eastern hours get the payment link and file back the same day. We'll confirm your timing the moment we read it, so you always know where you stand. Exact turnaround, including tight same-day cases →
Set your ARR and stage below to see the multiple-band range a raise gets talked about in — driven by three sliders, not your real financials. Enter your own ARR and the numbers scale to your reality. This is a teaching illustration, not a valuation and not a promise — your real round is set by your investors and metrics. No signup.
How this number is built, in one line: your ARR grows one year at the rate you picked, then a public/private SaaS 4–10× forward-ARR band with a stage haircut — a generic method, not a read on your company. It moves when you move a slider because the inputs are guesses until they're yours. Not a valuation, not your round.
This one's a teaching figure, kept optional and behind a click on purpose. The "untied" number applies a round ~40% illustrative haircut to stand in for the discount an investor may take when a model doesn't balance. No one publishes a precise market rate for that, so we're upfront that 40% is a directional assumption we chose, not a measured statistic — read it as "roughly, and in this direction," never as a promised dollar amount. The tied-out range above stands on its own without it.
How the range above is built. Range = your ARR × a forward-revenue multiple band (4×–10×), the same public/private SaaS band the engine uses, discounted by a round-stage haircut. It's an illustrative method — not a valuation opinion, and not your actual round, which your investors and metrics set.
We'll send your inputs and this range, plus a 1-page "defend your model" checklist. We fulfill these by hand right now, so give us a business day.
Send your request; within one business day we email the payment link and the delivery: a Google Sheets + Excel file with nine wired tabs, plus a written "defend your assumptions" walkthrough. No blank shell.
One tab of drivers — customer adds, ARPA, churn, expansion, gross margin, CAC, working-capital days, financing. Change a driver and all nine tabs recompute.
The balance-check row reads 0.00 in every year, the SaaS metrics agree with the statements, and the valuation tab shows method — the format that survives diligence.
| ModelKit | Free / DIY template | Fractional CFO | |
|---|---|---|---|
| Price | $149 one-time | $0 (but breaks) | $2,000–$5,000 first invoice |
| Speed | Payment link ≤1 business day; file on payment | Instant, then hours of debugging | 1–3 weeks to first draft |
| Balance sheet ties out | 0.00 every year, verified | Usually not — hard-coded plugs | Yes, if the CFO is good |
| Metrics agree with statements | Computed from one build | Separate tab, contradicts the P&L | Depends on the build |
| Methodology | Standard 3-statement + SaaS + DCF/comps | Whatever the author knew | The CFO's own framework |
| How you vet it | Full 68-page sample + raw computed JSON open before you pay; the 217-check engine test is runnable — you verify the math, not a bio | Unknown author, no methodology stated | You trust one person's judgment, hourly |
These are real sections from the worked sample, shrunk down. Every figure is computed by the engine. Nothing here is a mock-up. New to a term like NRR, CAC payback, or WACC? Each one is explained in plain English in the guides.
Edit here; nine tabs recompute.
| Beginning customers | 14 | 55 | 114 |
| + New | 46 | 71 | 110 |
| − Churned | 5.1 | 12.4 | 23.0 |
| Ending customers | 55 | 114 | 201 |
| Revenue | $992K | $2.6M | $5.1M |
| Beginning ARR | $403K | $1.8M | $4.3M |
| + New ARR | $1.3M | $2.2M | $3.6M |
| + Expansion | $120K | $538K | $1.3M |
| − Churned | $46K | $205K | $489K |
| Ending ARR | $1.8M | $4.3M | $8.7M |
| Revenue | $992K | $2.6M | $5.1M |
| Gross profit | $734K | $1.9M | $3.8M |
| S&M | $-506K | $-781K | $-1.2M |
| R&D | $-1.1M | $-1.1M | $-1.9M |
| Net income | $-1.4M | $-527K | $-263K |
| Cash | $2.4M | $16.4M | $17.1M |
| Total assets | $2.6M | $16.9M | $18.1M |
| Total liabilities | $763K | $1.6M | $3.1M |
| Total equity | $1.8M | $15.3M | $15.0M |
| Balance check | 0.00 | 0.00 | 0.00 |
| Net income | $-1.4M | $-527K | $-263K |
| Cash from ops | $-770K | $91K | $961K |
| Capex | $-40K | $-103K | $-203K |
| Equity raised | $0 | $14.0M | $0 |
| Ending cash | $2.4M | $16.4M | $17.1M |
Heads-up on "Rule of 40" below. It's a sum of two percentages (growth% + profit-margin%), not a score out of 40 — so a fast-growing early company reads well over 100. That's expected, not a typo. Why, under the table ↓
| Ending ARR | $1.8M | $4.3M | $8.7M |
| NRR | 118% | 118% | 118% |
| CAC payback | 6.2mo | 5.8mo | 5.5mo |
| LTV : CAC | 16.1× | 17.1× | 18.1× |
| Rule of 40 = growth% + profit-margin% (a total, not a score out of 40) | 265 | 138 | 116 |
Rule of 40 = growth% + profit-margin%, so triple digits is normal early — hyper-growth inflates it. It's a late-stage screen; don't lead with it yet. Columns are years 1–3 of the 5-year build; the full series runs 265 → 138 → 116 → 104 → 98, so it settles to 98 at exit as growth normalizes, in the full sample.
Two different methods, not one number that disagrees with itself — a DCF (theory floor) and a comps band (how rounds actually price) are supposed to land far apart at this stage. Investors use the comps. Plain-English why, below ↓
| WACC (illustrative) | 35% |
| Terminal growth | 3% |
| EV — DCF (theory floor) | $3.0M |
| ↕ These two are meant to sit far apart — different methods, not a broken formula. Why ↓ | |
| Exit ARR | $28.7M |
| EV — comps 4–10× (how rounds price) | $115–287M |
These two numbers are supposed to be far apart, and here's the plain-English why. A DCF discounts a startup's far-off future cash at a high risk rate (WACC 35%), so nearly all of it shrinks to almost nothing — leaving a small $3.0M. Comps instead ask "what do similar SaaS companies sell for?" (4–10× ARR) — a much bigger $115–287M. Investors price early rounds on the comps, not the DCF; the DCF is shown only to prove you know the method. Neither is a valuation opinion. Full walkthrough →
Open the full 68-page worked sample (fictional example) →
The sample is 68 pages built on a fictional company. You enter your numbers on the order form; the same pages regenerate on your figures. Here's how the fields you fill in map to what you get.
Page numbers reference the current sample report. The order form asks for the eight core drivers (customers, ARPA, margin, churn, CAC, cash, growth) — leave any blank to get the editable defaults. Every figure in your report is a computed output of the engine; nothing is typed prose.
Flat fees only — no success fees, no equity, no securities activity. Instead of a $2,000–$5,000 fractional-CFO first invoice. The "$149" buttons send a request; we email your payment link within one business day (see how ordering works, up top).
One-time. Delivered within 1 business day.
Everything in Template, plus a 45-min call.
Multi-seat or accelerator cohort · invoiced.
Self-serve card checkout isn't wired up yet — you send a request and we email a payment link within one business day. When live, payment and tax run through a merchant of record, so no card data touches this site. The $399 and team tiers can also be paid by invoice / bank wire — choose that option on the order page. RaiseReady customers whose report flagged "financial model" as a gap get the template at $99 — use the link in your report.
| Where you are | Typical current ARR | Defensible-range basis* | Best tier |
|---|---|---|---|
| Pre-seed / angel | $0–$300K | Comps band, heavy stage haircut | Template |
| Seed | $300K–$2M | 4–10× forward ARR, ~55% stage haircut | Template + call |
| Series A | $2M–$8M | 4–10× forward ARR, ~30% haircut | Template + call |
| Series B | $8M+ | 4–10× forward ARR, ~15% haircut | Template + call |
| Fund / accelerator | Portfolio | Per-company, same method | Team / portfolio |
*Ranges are illustrative outputs of the same multiple-band method the calculator uses (public/private SaaS 4–10× forward ARR, stage-adjusted). Not a valuation opinion. Your actual round is set by your investors, your metrics, and market conditions — not by this table.
Most vendors ask you to trust a founder bio you can't verify. ModelKit is the opposite: the whole product is open before you spend a dollar, so you don't have to trust anyone. Read the full 68-page worked sample, open the raw computed JSON, read the guide on the balance-check the 217 assertions enforce, and confirm the balance sheet ties to 0.00 in every year yourself. If the model holds up under your own diligence, it's good; if it didn't, no résumé would fix that.
On where the structure comes from: it's built by IR / corporate-development practitioners with FP&A and VC fund-formation experience, and rebuilt from public frameworks — SEC/EDGAR filings, standard exchange-filing conventions, Damodaran-style corporate finance, and YC/NVCA public materials. No client data and no resold source files went into it. We're keeping names off the site while it's early — so instead of asking you to trust a bio, we make the proof checkable in ways a name never could: the full 68-page sample and its raw computed JSON are public, the engine test (217 assertions) is runnable, and every question or request gets a reply from a real person within one business day at hello@modelkit.finance. If the math holds up under your own diligence, it holds up regardless of whose name is on it.
You also don't hand over anything sensitive to buy it. Only a delivery email is required; your company name and your own figures stay optional, so you can send them in the form or enter them privately inside the file after delivery — either way the report regenerates on your numbers.
The alternative to a defensible model is either a $2,000–$5,000 fractional-CFO first invoice or a free template that breaks the moment an investor tests it. A model that doesn't tie out costs credibility in the exact room where you raise — and that's the expensive kind of mistake. ModelKit is a fraction of the CFO invoice and is built to pass the balance-check an investor runs first. The calculator above estimates the valuation range at stake for your own ARR.
Yes — that's the whole point. It's a fully integrated three-statement model whose balance sheet ties to 0.00 in every period, wired so the SaaS-metrics and valuation tabs are computed from the same build and can't contradict the statements. The engine that produces the worked sample runs 217 automated checks, including the balance-check in every year. You're buying structure that survives scrutiny, not a blank shell.
It follows the format investors expect: an ARR bridge (beginning + new + expansion − churn = ending), standard SaaS-metric definitions, and a valuation tab that shows method — a DCF next to a comparable-multiples band — rather than asserting a precise value. That's the structure diligence expects — and instead of asking you to take that on trust, the full worked sample and its computed JSON are open so you can check it yourself. It doesn't decide your valuation; it lets you present your numbers cleanly.
Built for pre-seed → Series B founders on a recurring-revenue engine (B2B SaaS, vertical SaaS, usage-based). The 3-statement, working-capital and valuation structure is general; the revenue tab is easiest to adapt for subscription models. If you're pure hardware or marketplace, the statements still work but the revenue build needs more editing. It is not for anyone wanting a valuation opinion or investment advice — that's explicitly out of scope.
Partly, and here's the honest line. The template gives you a build in the structure investors expect — an ARR bridge, standard SaaS-metric definitions, statements that tie — so you can lay your numbers next to what an investor's spreadsheet is asking for and see where the two differ mechanically (a churn assumption, an ARPA definition, a working-capital timing). On the $399 tier, the review call can walk through that structural comparison — "your build says X here, an investor sheet usually expects Y" — so you understand the gap. What it won't do is opine on your valuation or tell you whether the investor's number is fair: that's valuation and round strategy, which stay out of scope. You get the mechanics reconciled; the judgment call on price stays yours and your investors'.
Self-serve checkout isn't wired up yet, so it's not an instant download: you send your request on the order form, and we email you a payment link plus the delivery — the unlocked workbook (Google Sheets + Excel) and the written walkthrough — within one business day. The $399 tier adds a scheduling link for a 45-minute call on spreadsheet mechanics; you pick the slot. Still no waiting on a consultant's calendar for a first draft.
Because it's a template sold at volume, not a bespoke engagement. The architecture is real — rebuilt from general FP&A and public frameworks, reflecting models that cleared actual diligence — but it's a downloadable product, so it prices like one instead of like a $2–5K fractional-CFO retainer. The $399 tier adds live time; the flat fee never becomes a success fee or equity.
A complete worked example for a fictional company — every statement, every metric, the balance-check row reading 0.00 in each year, plus the roadmap, defend-your-assumptions scripts and action plan. Two minutes to send your request; delivered within one business day.
Open the worked sample Request the kit — $149