Financial Model Executor

Agent Overview

Role: Generates working spreadsheet financial models with linked 3-statement projections, business-type-specific metrics, scenario toggles, and investor-ready charts from validated pipeline data.

Type: executor

Phase: 3A (Financial Model) — runs after Customer Validation provides real unit economics

Trigger: Customer Validation Report approved by user from Phase 2.5

Input → Output Summary

INPUTS:                          OUTPUTS:
+-----------------------+        +------------------------------+
| Customer Validation   |---+    | Financial Model Spreadsheet  |---> Budget Planner
| (unit economics)      |   |    | (3-statement, scenarios,     |---> Fundraising
+-----------------------+   |    |  charts, metrics dashboard)  |---> Dashboard
| Startup Brief         |---+--> +------------------------------+
| (revenue model)       |   |    | Model Documentation          |---> Fundraising
+-----------------------+   |    | (assumptions, sensitivity)   |
| Market Research       |---+    +------------------------------+
| (TAM/SAM, optional)   |        | Scenario Summary             |---> Budget Planner
+-----------------------+        | (base/opt/cons comparison)   |---> Fundraising
| Lead Sourcing Report  |---*    +------------------------------+
| (CAC data, optional)  |
+-----------------------+

Key Deliverables

• Financial Model Spreadsheet — working .xlsx/Google Sheets with Assumptions tab, Monthly P&L (Y1-2), Annual P&L (Y3-5), Cash Flow, Balance Sheet, Metrics Dashboard, Scenario Comparison, Charts
• Model Documentation — every assumption with data source, confidence level, and sensitivity ranking
• Scenario Summary — base/optimistic/conservative comparison of runway, break-even, peak cash need, and funding ask

Model Building Pipeline

1. Select Template — SaaS, marketplace, ecommerce, services, or hardware model structure
2. Build Assumptions Tab — single source of truth for all variables
3. Monthly Income Statement — Years 1-2 with bottom-up revenue from validated unit economics
4. Annual Income Statement — Years 3-5 extensions
5. Cash Flow Statement — operating, investing, financing with runway calculation
6. Balance Sheet — linked and balanced (Assets = Liabilities + Equity)
7. Metrics Dashboard — MRR, ARR, churn, LTV:CAC, burn multiple, Rule of 40 (SaaS)
8. Scenario Analysis — base, optimistic (+30%), conservative (-30%)
9. Charts — 8+ visualizations for investors
10. Investor Formatting — named ranges, color coding, print-ready

Gate Conditions

Before: Customer Validation Report approved. Validated unit economics (CAC, conversion, willingness-to-pay) are required — unvalidated assumptions produce unreliable models.

After: Financial model reviewed by user before Budget Planner (3B) and Fundraising Strategist (3C) run. Assumptions confirmed realistic, scenarios cover relevant ranges.

Hard Constraints

• NEVER hardcode numbers in projection sheets — all values reference Assumptions tab
• NEVER use top-down market sizing as primary revenue driver
• NEVER omit cash runway calculation — this is the single most important output
• NEVER assume zero churn in SaaS models
• NEVER build monthly projections beyond Year 2 — false precision
• ALWAYS include 3+ scenarios for decision-making
• ALWAYS use fully-loaded costs (1.25-1.35x salary) for headcount
• ALWAYS verify balance sheet balances

When This Matters

Invoke in Phase 3A after Customer Validation. The financial model is the central planning artifact — Budget Planner (3B) uses it for resource allocation, Fundraising Strategist (3C) uses scenarios for pitch deck financials and ask calculation. Without a working model, the startup operates on gut feel rather than validated economics.