Company ModelIntegrated Company Model
Fintech / Lending Book — End-to-End Operating Model
Originations → book → net interest margin → cash → valuation.
Business Drivers
The Book
Balances and flow.
Spread
What the book earns.
Costs & Horizon
Ops and time.
Capital & Exit
Cash and multiple.
The Integrated Picture
Loan book (end)
$16,389,288
Net interest / month (end)
$163,893
Equity cash (end)
$2,467,178
Net interest margin
12%
Annual net interest
$1,966,715
Implied valuation
$5,900,144
Company Trajectory
| Month | Loan Book | Interest Income | Net Interest | EBITDA | Equity Cash |
|---|---|---|---|---|---|
| Month 1 | $6,083,333 | $121,667 | $60,833 | -$89,167 | $2,910,833 |
| Month 3 | $7,986,690 | $159,734 | $79,867 | -$70,133 | $2,761,464 |
| Month 6 | $10,287,201 | $205,744 | $102,872 | -$47,128 | $2,598,408 |
| Month 9 | $12,059,181 | $241,184 | $120,592 | -$29,408 | $2,493,490 |
| Month 12 | $13,424,057 | $268,481 | $134,241 | -$15,759 | $2,433,354 |
| Month 15 | $14,475,359 | $289,507 | $144,754 | -$5,246 | $2,407,711 |
| Month 18 | $15,285,129 | $305,703 | $152,851 | $2,851 | $2,408,636 |
| Month 21 | $15,908,858 | $318,177 | $159,089 | $9,089 | $2,430,026 |
| Month 24 | $16,389,288 | $327,786 | $163,893 | $13,893 | $2,467,178 |
Spread Economics
| Metric | Value |
|---|---|
| Portfolio APR | 24% |
| Funding cost | 8% |
| Annual charge-off | 4% |
| Gross spread | 12% |
| Ending net interest margin | 12% |
The Operator's Read
The book scales to $16,389,288 at a 12% net interest margin, throwing off $1,966,715 annually. At 3× net interest that implies $5,900,144. This model assumes debt-funded balances — a bespoke version adds a full funding stack, cohorts, and loss curves.
Interactive preview · Educational model, not financial advice · Built by The Crimson Bench
About This Model
A full operating model of a lending business. Originations build the loan book against runoff; the book earns interest net of funding cost and credit losses; net interest income covers ops to produce EBITDA; and net interest run-rate sets an implied valuation. Note: the book is assumed debt-funded; equity cash reflects operating profit.
The Linked Driver Groups
Everything is connected — here is what feeds the model.
The Book
Balances and flow.
Starting loan book · Originations / month · Avg loan life (months)
Spread
What the book earns.
Portfolio APR · Funding cost (APR) · Annual charge-off rate
Costs & Horizon
Ops and time.
Operating cost / month · Months to simulate
Capital & Exit
Cash and multiple.
Equity cash (start) · Exit multiple (× net interest)
Assumptions & Limitations
- •The model is deterministic and monthly — it projects your drivers forward with clear arithmetic, one scenario at a time.
- •Defaults are illustrative benchmarks. The paid version ships in Excel so you can wire in your real chart of accounts.
- •For a model built entirely around your business — hiring waves, fundraising rounds, working capital — commission a bespoke engagement.
- •Educational decision-support tool — not financial, investment, tax, or legal advice.
Frequently Asked Questions
What is the Fintech / Lending Book — End-to-End Operating Model?
A full operating model of a lending business. Originations build the loan book against runoff; the book earns interest net of funding cost and credit losses; net interest income covers ops to produce EBITDA; and net interest run-rate sets an implied valuation. Note: the book is assumed debt-funded; equity cash reflects operating profit.
What makes it "end-to-end"?
Unlike a single calculator, this model links 4 driver groups — The Book, Spread, Costs & Horizon, Capital & Exit — into one integrated picture. Change any driver and revenue, margin, cash, runway, and valuation all move together.
What do I get for $250?
The full interactive model plus an editable Excel version, a documented methodology, and board-ready base/bull/bear scenarios. Want it wired to your real numbers and chart of accounts? That's a bespoke engagement — see the Enterprise page.
Is this financial advice?
No. It's an educational decision-support model built to your assumptions — not financial, investment, tax, or legal advice.
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The Crimson Bench · Est. 2002 · Founded in New York City
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