Financial Models Built to Survive Due Diligence
A financial model is the first thing a bank credit committee or an investor will open, and the first place they look for reasons to say no. We build integrated financial models that answer those questions before they are asked: every assumption is sourced, every formula is traceable, and every scenario can be run live in a meeting.
What we build
- Three-statement models - integrated profit and loss, balance sheet and cash flow, monthly or quarterly, with a balance check on every period.
- DCF valuation models - free cash flow, terminal value and discount rate logic set out so a reviewer can follow and challenge it.
- LBO and acquisition models - sources and uses, debt schedules, covenants and returns to each class of capital.
- Project finance models - construction and operating phases, debt sizing on DSCR, reserve accounts and sponsor returns.
- Scenario and sensitivity analysis - base, downside and stress cases, plus Monte Carlo simulation where the risk profile calls for it.
Who it is for
Companies preparing for a bank loan, a bond issue, an equity round or an EU grant application; project developers who need one model that both lenders and equity investors will accept; and management teams who want a planning tool they can keep using after the transaction.
How we work
- Discovery - we agree the purpose of the model, the target capital source and the questions it must answer, before touching a spreadsheet.
- Build - a documented model with a separate inputs sheet, clear calculation blocks and outputs formatted for the reader.
- Validation - assumptions are stress-tested with our in-house tools, so fragile inputs are found before an investor finds them.
- Handover - you receive the working Excel file, an assumptions book and a short user guide.
What you receive
- Fully linked Excel model (no hard-coded outputs, no hidden sheets)
- Assumptions book with a source for each key input
- Scenario and sensitivity outputs ready for the investor deck
- A walk-through session with your team
Example engagement
A Baltic manufacturing company needed bank financing for a capacity expansion. We built a three-statement model, benchmarked production assumptions and structured debt service around seasonal cash flows. The €10-15M facility was approved in full, about six weeks from model to approval.
Client name withheld; amounts shown as rounded ranges.
Questions clients ask
Do you work in our existing template?
Yes, if the bank or fund requires one; otherwise we use our own structure.
Can our team update the model later?
Yes. That is why every model is documented and handed over with a guide.
Which software do you use?
Microsoft Excel by default; Google Sheets on request.