ABCDEFGHIJKLMNOPQRSTUVWXYZ
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Your company's name
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Overview
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- All revenue streams are explained in detail in our guide: Revenues in Financial Features: a Complete Guide for Tech Companies
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- Need to change the assumptions? Go to File >> Make a copy, then edit
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- This sheet (Input) contains assumptions (in grey cells) about the volumes and economics of your financial features
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- All other cells in the entire spreadsheet are calculated according to the assumptions
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- The products are color-coded throughout this spreadsheet: deposits, cards, ACH, checks
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- The economics are calculated for you and your end-users
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- Not covered here: SaaS fees and credit products (lending, cash advance)
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About the next sheets:
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- Projections contains the 3-year projections for volumes and economics
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- Totals contains a bottom line summary of the economics along the 3 years
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Number of Accounts
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- Key assumptions:
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- The number of active accounts for the 3 years of activity
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Y1Y2Y3
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Q1Q2Q3Q4Q1Q2Q3Q4Q1Q2Q3Q4
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Number of accounts in Q (k)125101215182025305070
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Interest
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- Key assumptions:
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 - Average account balance
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 - Interest economics
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- Note that interest will change in real time according to changes in fed rate
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Average account balance (k $)2.00
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Economics:
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EntityGross takeNet takeNet % of total
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1.30%1.30%100%
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End-user0.00%0.00%0%
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Interchange
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% of balance spent via card every month50.00%
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Interchange %1.30%
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Economics:
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EntityGross take (%)Net takeNet % of total
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80.00%60.00%75%
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End-user (cash back)20.00%20.00%25%
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ACH
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# per account / month15
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Economics:
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EntityPays ($)Net take
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0.100.10
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End-user0.20
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Checks
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# per account / month5
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Economics:
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EntityPays ($)Net take
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0.200.30
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End-user0.50
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Constants
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Constants
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Months per quarter3
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Thousand1000
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Quarters per year4
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Months per year12
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