A complete Series B financial model for FinTech startups. Revenue model, unit economics, hiring plan, cash flow projections, and funding scenarios — structured for investor review.
Projection Horizon
5 years with AOP detail for current year (monthly)
Model Tabs
8 core tabs
Format
Excel + Google Sheets
Path to profitability, market leadership, and capital efficiency. Series B investors are modeling the exit multiple — they want to see EBITDA timing and revenue quality.
Fintech models require a separate regulatory capital tab. Show minimum capital requirements and how they scale with volume. Investors will flag regulatory capital needs as a hidden funding requirement.
Volume-based revenue model driven by transaction count, payment volume (TPV), and take rate. Include separate revenue streams for interchange, interest income, and subscription fees.
Series B models require a formal AOP (Annual Operating Plan) for the current year with monthly actuals-vs-plan tracking. Investors will ask for monthly actuals in the data room and will model variance trends.
Include a capital allocation memo that justifies the Series B use of proceeds. Show how each dollar maps to specific growth levers and the expected return on that investment.
A Series B FinTech financial model should cover 5 years with AOP detail for current year (monthly) of projections with these tabs: Board-Level P&L Summary, Revenue Model by Segment, Sales Capacity Model, Headcount by Function, Departmental Budget vs. Actual, Balance Sheet Forecast, Cash Flow Statement, Capital Allocation Plan. Path to profitability, market leadership, and capital efficiency. Series B investors are modeling the exit multiple — they want to see EBITDA timing and revenue quality.
Volume-based revenue model driven by transaction count, payment volume (TPV), and take rate. Include separate revenue streams for interchange, interest income, and subscription fees. The key revenue drivers are: Total Payment Volume (TPV) x Take Rate; Interest income on float or loan book; Subscription or SaaS fee revenue; Late fee or premium service revenue.
FinTech unit economics at the Series B stage should include: Revenue per active user (ARPU); Transaction cost (processing, fraud, compliance); Contribution margin per transaction; Customer acquisition cost and payback period; Loss rate and credit reserve methodology. Fintech models require a separate regulatory capital tab. Show minimum capital requirements and how they scale with volume. Investors will flag regulatory capital needs as a hidden funding requirement.
Series B models require a formal AOP (Annual Operating Plan) for the current year with monthly actuals-vs-plan tracking. Investors will ask for monthly actuals in the data room and will model variance trends. Start with the smallest unit of your business (one customer, one transaction, one seat) and build up from there. Every assumption should have a source or benchmark you can defend in an investor meeting.
Include a capital allocation memo that justifies the Series B use of proceeds. Show how each dollar maps to specific growth levers and the expected return on that investment.
Get the FinTech Series B financial model as a pre-built Excel and Google Sheets template. Assumptions dashboard, revenue model, unit economics, and cash flow — ready to customize.
Includes Excel file, Google Sheets version, and model documentation guide