SaaS Financial Model | Investor-Grade 3-Statement Model for SaaS Founders | SaaSFractionalCFO.co.uk

SaaS Financial Modelling

The model investors
actually believe.

Most SaaS founders go into investor conversations with a spreadsheet. Investors see through it in minutes. Our investor-grade 3-statement models are built by Big Four-trained CFOs who have sat on both sides of the table.

From £3,500

Fixed Fee + VAT

5–10

Day Delivery

Big Four

Trained CFOs

£40m+

Capital Raised

What’s Included

Everything investors expect to see.

Built to withstand due diligence from Seed through Series B. No templates. No shortcuts.

3-Statement Model

Fully integrated P&L, balance sheet and cash flow statement. Linked and dynamic — changes in one sheet flow through automatically.

MRR Waterfall

New MRR, expansion, contraction, churn and reactivation modelled separately. The waterfall investors look for from day one of DD.

Cohort Analysis

Monthly or quarterly cohorts showing retention curves, LTV development, and payback period by acquisition channel.

Scenario Planning

Base, upside and downside cases. Toggle assumptions to show investors you understand your own sensitivities.

Runway & Burn Analysis

Dynamic runway calculator linked to headcount plan and operational spend. Shows exactly when you need to raise and how much.

Headcount Plan

Role-by-role hiring plan with start dates, salaries and on-costs. Drives P&L and cash flow automatically — no manual updates.

Board-Ready Dashboard

Summary tab with KPIs, ARR bridge and key charts. Copy-paste ready for board packs and investor updates.

Assumptions Log

Every assumption documented and sourced. Investors will ask. You’ll have the answer ready.

Two Rounds of Revisions

Included as standard. If your assumptions change mid-raise, we update the model. No surprise fees.

Model Specification

Built for how SaaS businesses actually work.

36-month monthly forecast with annual summary tabs

Revenue split by product line, geography or customer segment

Unit economics: CAC, LTV, payback period, magic number

COGS build including hosting, support and CS costs

Rule of 40 tracking and gross margin bridge

Working capital and deferred revenue modelling

Google Sheets or Excel — your choice

Fixed Fee

£3,500 +VAT

Starting from. Agreed before work begins.

Delivered in 5–10 business days

Two rounds of revisions included

Partner-led, not delegated

NDA signed before kick-off

Start My Model →

Why It Matters

Investors judge the model before they judge the business.

The Problem

Founders build their own models in a weekend. Investors have seen thousands. A weak model signals weak CFO thinking — before you’ve said a word.

The Signal

A tight, well-structured model tells investors you understand your unit economics, your risks, and how capital will be deployed. It de-risks the round.

The Outcome

Investors move faster. Due diligence goes smoother. You walk into every Q&A ready — because you built the model with the people who know what investors will ask.

FAQ

Common questions.

Yes — we’ll ask for your last 12–24 months of management accounts and any existing financial data at kick-off. This is what allows us to build a model that reflects your actual cost structure and growth trajectory, rather than generic assumptions.

In most cases, it’s faster to build fresh. Most founder-built models have structural issues that are harder to fix than to replace. We’ll assess your existing model and advise honestly on whether rebuilding is the right call before quoting.

5–10 business days from kick-off, assuming you can provide financials and assumptions promptly. For complex businesses (multiple products, international revenue, usage-based pricing), allow 10–15 days. We’ll agree a timeline before we start.

We’ve modelled all of them. Usage-based revenue requires a different approach to pure subscription — we build a consumption driver model layered into the MRR waterfall. Hybrid models (seat + usage) are handled via separate revenue streams that roll up cleanly. Enterprise requires pipeline modelling. We’ll scope accordingly.

Both. At Seed, investors are buying the hypothesis — the model needs to show you understand your unit economics and growth levers even if you’re pre-revenue or early-stage. At Series A, they’re scrutinising actuals vs plan and your burn efficiency. We calibrate the model to what investors at your stage actually care about.

Kishen Patel — ICAEW Chartered Accountant, Fractional CFO for SaaS
ACA · ICAEW

Your Fractional CFO

Kishen Patel ACA

ICAEW Chartered Accountant  ·  Big Four Trained  ·  London

Kish is the founder of Consult EFC and the CFO behind SaaSFractionalCFO.co.uk. He is an ICAEW Chartered Accountant (ACA) with over 12 years of experience across Big Four audit, investment banking, and corporate finance advisory.

He has worked with over 100 UK businesses — from pre-revenue SaaS startups raising their first SEIS round to established software companies preparing for Series B and exit. Every engagement is led personally by Kish. Your work is never passed to a junior.

As a regulated ICAEW member, Kish is held to the highest professional and ethical standards in UK accountancy — the same standards that FTSE 100 boards and global investors rely on.

12+

Years finance leadership

100+

UK businesses advised

£40m+

Capital raised

Big 4

Trained

View full profile at ConsultEFC.com

Get Started

Tell us about your model.

We’ll confirm scope and fee within one business day.

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