Financial Modeling Services | Nainit Savla & Associates

Financial Modeling Services

Q: What is a 3-statement financial model?

An integrated model where the income statement, balance sheet, and cash flow statement are dynamically linked — any assumption change flows through all three statements automatically.

Q: What financial model do I need for raising venture capital?

VCs expect a 3 to 5 year model with a detailed revenue model, monthly cash flows for 12 to 18 months showing runway, annual P&L and balance sheet, documented assumptions, and a use-of-funds summary.

Q: What is DSCR and why does it matter in project finance models?

DSCR is net operating income divided by total debt service. Indian banks require a minimum DSCR of 1.25x to 1.50x throughout the repayment period — validated through sensitivity analysis in the project finance model.

Q: How long does it take to build a financial model?

Startup projections: 3 to 5 days. Project finance models: 1 to 2 weeks. Complex 3-statement models for established businesses: 2 to 3 weeks.

Q: Will we receive the Excel model or only a PDF output?

All models are delivered as fully editable Excel files with documented assumptions and a walkthrough session. A PDF summary is provided alongside for sharing with investors or banks.

A financial model is the quantitative backbone of every major business decision — whether you are raising equity funding, evaluating a new project, assessing an acquisition, planning a capital expenditure, or presenting to a bank for a term loan. Our financial modelling service builds rigorous, assumption-driven, investor-grade models that provide a credible financial basis for your most important decisions.

3-Statement Financial Model

Integrated income statement, balance sheet, and cash flow statement model — with dynamic linking between all three statements, historical actuals, and 3 to 5 year projections.

DCF Valuation Model

Discounted cash flow valuation model with explicit forecast period, terminal value computation, WACC calculation, and sensitivity analysis on key value drivers.

Project Finance Model

Detailed project finance model for infrastructure, real estate, or manufacturing projects — covering construction phase, operational ramp-up, debt service coverage ratio (DSCR), and project IRR.

Startup Financial Projections

Investor-ready 3 to 5 year financial projections for early-stage startups — revenue model, unit economics, burn rate, funding requirements, and break-even analysis.

Scenario & Sensitivity Analysis

Scenario modelling (base, bear, bull cases) and sensitivity tables showing how key outputs change with variations in revenue growth, margins, capex, or cost of capital assumptions.

LBO & M&A Transaction Models

Leveraged buyout models and M&A accretion/dilution analysis — transaction structuring, debt repayment waterfall, returns to equity, and exit scenario modelling.

What Makes a Good Financial Model?

A well-built financial model is transparent, auditable, and flexible — every assumption is clearly documented, every formula is logical and traceable, and the model can be updated quickly as business conditions change. A common failure in financial modelling is building a model that tells the story you want to tell, rather than one that accurately represents reality and stress-tests the assumptions behind the story.

Our models are built for use — not just for presentation. They connect with financial planning and analysis, support investment readiness processes, and provide the financial backbone for CFO-level strategy discussions.

Common Uses of Financial Models We Build

Fundraising — equity pitch to angel investors, VCs, or PE funds
Bank loan applications — project cost and DSCR computation for term loan proposals
CMA data preparation for bank credit appraisals
Business plan financial support for new ventures or expansions
Acquisition valuation and transaction structuring
IPO and pre-IPO financial modelling for DRHP preparation
Internal capital allocation decisions between competing investment options
Cost-benefit analysis for major capital expenditure proposals

Frequently Asked Questions

What is a 3-statement financial model?

A 3-statement model is an integrated financial model in which the income statement, balance sheet, and cash flow statement are all dynamically linked — so that a change in one assumption (such as revenue growth or gross margin) automatically flows through to all three statements and updates the projected financial position. It is the foundational building block of most advanced financial models including DCF valuations, LBO models, and project finance models. Building a correctly linked 3-statement model requires a solid understanding of accounting, finance, and Excel modelling best practices.

What financial model do I need for raising venture capital?

For a VC fundraise, investors typically expect a 3 to 5 year financial model covering: (a) a detailed revenue model showing how revenue will be generated (unit economics, pricing, volume, cohort assumptions), (b) monthly cash flows for the first 12 to 18 months showing the use of proceeds and runway, (c) annual P&L and balance sheet projections, (d) key assumptions clearly documented and defensible, and (e) a funding requirement and use-of-funds summary. The model must be realistic — aggressive assumptions that are not grounded in comparable businesses or unit economics will be immediately challenged by investors.

What is DSCR and why does it matter in project finance models?

DSCR (Debt Service Coverage Ratio) is the ratio of a project's net operating income to its total debt service (principal + interest) obligations for a given period. It is the primary credit metric used by banks and financial institutions to assess whether a project can comfortably repay its debt from its own cash flows. Most Indian banks require a minimum DSCR of 1.25x to 1.50x throughout the loan repayment period. A project finance model must demonstrate that the DSCR remains above the bank's minimum threshold even under a conservative revenue or cost scenario — which is validated through sensitivity analysis.

How long does it take to build a financial model?

The time required depends on the complexity of the business or project being modelled. A startup financial projection model can be built in 3 to 5 business days. A project finance model with detailed construction and operational phase modelling typically takes 1 to 2 weeks. A complex 3-statement model for an established business with multiple revenue streams, cost centres, and historical actuals integration may take 2 to 3 weeks. We provide a timeline estimate after an initial briefing on the business, the purpose of the model, and the level of detail required.

Will we receive the Excel model or only a PDF output?

All financial models we build are delivered as fully editable Excel files — not locked or PDF-only outputs. You receive the working model with all formulas intact, clearly colour-coded (blue for inputs, black for formulas), with an assumption sheet documenting all key drivers. We also provide a walkthrough of the model so your team understands the structure, can update assumptions, and can run scenarios independently. A PDF summary output is provided alongside the Excel for presentation or sharing with investors or banks.

Build the Financial Model Your Decision Deserves

Investor-grade financial models for fundraising, project finance, valuation, and strategic planning — built for use, not just for show.

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