Proforma Financial Modeling Tool
Every B2C consumer loan entrant needs our new “Consumer Loan Pro Forma Financial Modeling Tool.”
Our analytics gurus built this tool. With it, you can “play” with multiple inputs, including lead costs, default rates, loan conversion rates, number of loans funded daily/monthly, average loan principal amount, fee charge per loan principal, rollovers, employee costs, overhead expenses…
We provide a solid foundation with which you can start. Then, you change the variables based on your “secret sauce.”
We guarantee our “Consumer Loan Pro Forma Excel Spreadsheet” will blow you away with its power to enable your Team to “see into the future.”
There is nothing like this tool on the market today.
We’ve invested 20+ years of consumer loan knowledge and experience as a Lender in this tool.
You cannot get access to anything like this tool unless you bring profound lending experience and Excel experts to your “game.”
You’re a lender.
You need to apply “what-if” scenario analysis to your [B2C] consumer loan business.
Our new Excel Financial Modeling Tool enables you to leverage hypothetical data or assumptions about future values to project future performance.
Plug-in different scenarios into our “Financial Modeling Projections Tool.” Develop a plan to improve those projections and execute them.
Typical What-If Scenarios:
| You buy leads. Should you buy $2.00 leads? $10 leads? $50 leads? $100 leads? $185 leads? [The average CAC [Customer Acquisition Cost in our industry is $185.00] |
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| What’s the impact on your loan portfolio if you convert 8% of $50 leads vs 3% of $10 leads? |
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| What if you increased your “reacts” to 65% vs. 42%? |
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| What if you could hire an offshore VA [Virtual Assistant] at $200/month and work to increase your organic leads to 20/day vs. your anticipated 5/day? |
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| What would be the impact on your portfolio if you purchased 150 leads daily at $8 with a conversion rate of 4% vs. 100 leads daily at $50 each with a conversion rate of 18%? |
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| What is the impact on your portfolio if you increased your average loan principal to $425 vs. $385? To $500? $800? Whatever? |
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| What is the impact on your portfolio if you decreased your FPDs [1st time Payment defaults} from 30% to 12%? |
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| What’s the impact on your P & L if you increase your employee average hourly rate from $12.50/hr to $15.25/hr |
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| What if you bring your call center in-house? |
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| What if you add online/storefront title loans to your product offering? Say an average $1200 loan principal with a term of 6 months at $20/$100 loan principal? At $25/$100 loan principal for 30-day terms? |
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| What if you offered a 36% APR unsecured loan product? An 80% APR? A 120% APR? |
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| What if you implemented a formal referral program and spiffed your employees $25/funded loan? Spiffed customers $50/title loan? |
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| What if your ACH fees increased from $1.50/each to $1.75/each? |
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| What is the impact on your portfolio and P & L if your LMS [Loan Mngt. Software] provider increases its monthly fee from $150/month to $200/month & $1.00 per transaction? |
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| What if your ACH fees increased from $1.50/each to $1.75/each? |
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| What is the impact on your portfolio and P & L if your LMS [Loan Mngt. Software] provider increases its monthly fee from $150/month to $200/month & $1.00 per transaction? |
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| And on and on and on… Only your imagination limits your possibilities! |
“The purpose of “what-if scenarios” is not to predict the future, but to influence it.”
Plug-in different scenarios into our “Financial Modeling Projections Tool.” Develop a plan to improve those projections and execute them.
Your financial projection estimates your business’s future revenue and expenses based on various inputs. Our financial modeling tool enables you to “play” with these inputs.
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