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Revenue Variables
Expense Variables
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Growth Rate5%Cost to Acquire$120
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Conversion4%
Man hours to close
10
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Average Loan Size$500,000 Hourly Rate$20
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Average Points3%
Transaction Costs
0.5%
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Days to Convert 90
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Revenue DriversJanFebMarchAprilMayJuneJulyAugustSeptemberOctoberNovemberDecember
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# Borrower Users500525551579608638670704739776814855
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Customers202122232426272830
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Loan Volume$0 $0 $0 $10,000,000 $10,500,000 $11,025,000 $11,576,250 $12,155,063 $12,762,816 $13,400,956 $14,071,004 $14,774,554
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Origination Revenue$0 $0 $0 $300,000 $315,000 $330,750 $347,288 $364,652 $382,884 $402,029 $422,130 $443,237
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Variable Expenses
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Acquistion Costs$60,000 $63,000 $66,150 $69,458 $72,930 $76,577 $80,406 $84,426 $88,647 $93,080 $97,734 $102,620
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Transaction Costs $ - $ - $ - $ 50,000 $ 52,500 $ 55,125 $ 57,881 $ 60,775 $ 63,814 $ 67,005 $ 70,355 $ 73,873
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People Cost$4,000 $4,200 $4,410 $4,631 $4,862 $5,105 $5,360 $5,628 $5,910 $6,205 $6,516 $6,841
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Total Expenses$64,000 $67,200 $70,560 $124,088 $130,292 $136,807 $143,647 $150,830 $158,371 $166,290 $174,604 $183,334
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Gross Margin($64,000)($67,200)($70,560)$175,912 $184,708 $193,943 $203,640 $213,822 $224,513 $235,739 $247,526 $259,902
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Fixed Expenses
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Rent $ - $ - $ 700 $ 700 $ 700 $ 700 $ 700 $ 700 $ 700 $ 700 $ 700 $ 700
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Business Tools $ 50 $ 50 $ 100 $ 100 $ 150 $ 150 $ 150 $ 150 $ 150 $ 150 $ 150 $ 150
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Legal $ 250 $ 250 $ 250 $ 250 $ 250 $ 250 $ 250 $ 250 $ 250 $ 250 $ 250 $ 250
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Servers/Hosting $ 100 $ 100 $ 100 $ 100 $ 100 $ 100 $ 100 $ 100 $ 100 $ 100 $ 100 $ 100
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Salary $ - $ - $ - $ - $ - $ - $ 5,000 $ 5,000 $ 5,000 $ 5,000 $ 5,000 $ 5,000
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Total Fixed $ 400 $ 400 $ 1,150 $ 1,150 $ 1,200 $ 1,200 $ 6,200 $ 6,200 $ 6,200 $ 6,200 $ 6,200 $ 6,200
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Net Income($64,400)($67,600)($71,710)$174,762 $183,508 $192,743 $197,440 $207,622 $218,313 $229,539 $241,326 $253,702
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Cash Flow($64,400)($132,000)($203,710)($28,948)$154,560 $347,303 $544,743 $752,365 $970,678 $1,200,217 $1,441,543 $1,695,245
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