Business Financial Model Template | 36-Month Cash Flow & Profit Planner | Startup Budget Spreadsheet for Small Business

The financial model that tells you the truth before you quit your job.

A 36-month Excel model — 3,317 formulas, 11 tabs — covering revenue, P&L, cash flow, break-even, and unit economics. Built by a Product Manager with 9+ years across FinTech, e-commerce, SaaS and healthtech, so it's built the way real businesses actually get evaluated, not a generic spreadsheet template.

What it does that free templates don't:

• Shows the real gap between profit and cash — the thing that kills otherwise-profitable businesses
• Calculates your minimum starting capital and a recommended buffer, down to the month your cash gets tightest
• Tells you exactly how many units you need to sell to break even
• One dropdown switches your whole plan to a Best or Worst-case scenario

You fill in four numbers. It does the rest. Watch the full walkthrough before you buy.