Financial Modelling Tool for Fintech Companies
If you're a new fintech company that is navigating rapid growth, having an understanding of your cash flow is absolutely essential. Brixx gives all fintech businesses the powerful modelling tools they need to make informed, future-focused financial decisions.
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Who can use this Brixx template?
Financial service providers
Digital banking and lending platforms
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What are the benefits for fintech businesses?
Fintech Template
A tailored, custom approach to modelling revenue from your ventures, including subscriptions, lending, payments, and transaction fees
Cost Management
Plan and anticipate fundraising, runway, CAC vs. LTV, and regulatory costs
Visualise Trends
Visualise how user growth, churn, or new product lines could affect your bottom line
Scenario Testing
Test scenarios instantly – like fee changes, team growth, or partnerships – before committing
Live Dashboards
Share clear dashboards and insights with investors and stakeholders
Start building a stronger fintech business with Brixx today!
Brixx's financial forecasting software gives fintech teams the clarity and flexibility they need to grow at a sustainable rate. With precise forecasting, you'll stay ahead of the market.
With over two decades of experience in business modelling, Brixx delivers the depth fintech companies need – without any complexity! From managing burn rate to planning international expansion, Brixx helps you model what matters.
Start for freeModel your fintech business in Brixx – see how quickly your finances can make sense!
Project Setup
- Project name : Fintech SaaS Platform
- Time period : Monthly (ideal for recurring income and cost modelling)
Setup 
Income Components
Component: SaaS Subscription Revenue
Sub-components:
- Individual Plan (£10/month × 3,000 users = £30,000/month)
- Business Plan (£100/month × 100 clients = £10,000/month)
- Enterprise Plan (£1,000/month × 5 clients = £5,000/month)
Component: Transaction Fees
Sub-components:
- Card Processing Fees (0.5% per transaction on £2M monthly volume = £10,000/month)
- FX Conversion Fees (£500/month average)
- Late Payment Fees (£1,000/month estimate)
Component: Other Income
Sub-components:
- Affiliate Revenue (£2,000/month)
- Interest on Held Balances (£500/month)
Income 
Expenditure Components
Component: Operating Costs
Sub-components:
- Cloud Hosting (AWS, Azure, etc.): £8,000/month
- Customer Support Staff (3 FTEs): £9,000/month
- Compliance & AML Monitoring Tools: £1,200/month
- Payment Processing Fees (charged to you): £4,000/month
Component: Development Costs
Sub-components:
- In-house Developers (5 FTEs): £25,000/month
- Product Manager: £6,000/month
- Software Licenses & Dev Tools: £800/month
Component: Marketing & Sales
Sub-components:
- PPC & Paid Ads: £5,000/month
- SEO & Content Team: £3,000/month
- CRM & Outreach Tools: £1,000/month
- Sales Team Commissions: £2,000/month
Expenditure 
Asset Components
Component: Intangible Assets
Sub-components:
- Platform Development IP (initial £250,000, depreciated over 5 years)
- Patents or proprietary algorithms (£50,000 initial, depreciated)
Component: Current Assets
Sub-components:
- Cash Reserves (e.g., £100,000 starting balance)
- Accounts Receivable (£20,000/month average)
- Prepaid Expenses (e.g., marketing spend paid upfront)
Assets 
Funding Components
Component: Equity Investment
Sub-components:
- Seed Round (£500,000 from angel investors)
- Series A (£2 million VC round)
Component: Grants & Incentives
Sub-components:
- Government Innovation Grant (£100,000 received upfront)
- R&D Tax Credits (estimated £30,000/year)
Component: Loans (if applicable)
Sub-components:
- Short-term Working Capital Loan (£50,000, 6% interest, 12-month term)
Funding 
Scenario Planning in Brixx
Churn Rate Impact
- Model 2%, 5%, 10% churn to project lost MRR and CAC payback.
User Growth Projections
- Adjust growth rates to test scaling revenue vs. hiring pace.
Regulation Cost Spikes
- Add a scenario for a new compliance burden (£15k/year).
Funding Delays
- Simulate delay in Series A and effect on cash runway.
Scenarios 
Dashboard & Reporting
Cash Flow Report
- Track SaaS income vs. dev/marketing burn.
Balance Sheet
- Monitor equity raised, platform IP value, and monthly liabilities.
Profit & Loss
- Revenue breakdown by plan vs. grouped cost categories.
Custom KPIs
- Monthly Recurring Revenue (MRR)
- Customer Acquisition Cost (CAC)
- Customer Lifetime Value (LTV)
- Burn Rate and Runway
Dashboard 
Strategic forecasting in Brixx
Building forward-looking cash flow models for investor presentations
Calculating the impact of variable revenue streams (e.g. interest income, usage fees)
Forecasting tech development costs and hiring plans
Planning for licensing, compliance, and other regulatory obligations
Evaluating funding needs based on scaling milestones and market conditions
Explore different industry frameworks you can build in Brixx for your business
Tech Startup
Running a tech startup means navigating rapid growth, shifting markets, and constant innovation.
SaaS
SaaS business owners must navigate the complexities of annual cash flow fluctuations and make strategic decisions.
Energy Company
Running an energy company means dealing with variable costs, shifting demand, and the pressure to make data-driven decisions quickly.
Cybersecurity Business
As a cybersecurity business, understanding how your cash flow may fluctuate throughout the year and knowing when to make strategic.
Start using Brixx for free
Free for 7 days. No credit card required.
Answer real questions about your business:
- Scenario testing
- 10-year financial forecast
- Pre-built templates
- Xero integration
- Automated reports: P&L, balance sheet, cash flow, tax & more
