Auto Loan Pro Forma
Credit Excel Template (Free Download)
Project an auto lending portfolio’s originations, interest income, credit losses, funding needs and cash returns from borrower and vintage assumptions.
professionals from Deloitte
About this pro forma
The full auto loan Excel model powers the pro forma through originations, balances, amortisation, pricing, prepayments, defaults, recoveries and repossession timing. Funding costs and operating expenses translate portfolio growth into realistic earnings and cash requirements.
Use the projected outputs to price credit, plan warehouse capacity, evaluate vintages and assess portfolio value. Flex credit quality, loan terms, recovery rates and funding structures.
What every model includes
Live formulas, no hardcoded values
Outputs are driven by live formulas, so the workbook updates from its assumptions instead of relying on hardcoded results.
All assumptions in one tab
Inputs are clearly marked in the Assumptions tab and separated from calculations, making it clear what to change and what to leave intact.
Statements always balancing
For integrated-statement models, the balance sheet, cash flow, and supporting schedules tie through properly.
Distinct schedules for clarity
Debt, working capital, taxes, and cash flow can get messy quickly. We group calculations in clear schedules, not across disconnected tabs.
No hidden macros or external links
There are no unexplained external workbook links or macros to undermine auditability or portability.
Changes flow through the model
Update a key driver and see the impact carry through the forecast, financing, and return outputs. We never use hardcoded numbers in formulas.
What's inside the Auto Loan Pro Forma
- Loan originations, balances and amortisation projections
- Interest income, fees, prepayments and portfolio yield
- Default, delinquency, repossession and recovery forecasts
- Warehouse, securitisation and equity funding
- Funding cost, operating expense and net-income outputs
- Portfolio cash flow, break-even and valuation outputs
Formatted to IB standards
Named theme colors repaint the whole workbook in one click, on top of an investment-banking structure with clear input, output, and cross-sheet reference styling - brand-ready, institutional-grade, and fully auditable.
Created by ex-finance professionals
Hey, I’m Alex and I created Finamodel.
Over my years in the finance industry I kept building the same models over and over again. Same structure, same assumptions, different logo. So I started building frameworks to turn them into clean, reusable templates.
Every model here is one I’d actually use for a client, and I personally vet each one before it goes up.
I’m not an expert in every industry, but I’ve built enough models to know what belongs in one. And when something is completely foreign to me, I reach out to my network for experts to work on our models with us.
Having a template library on hand cuts a first build from hours to minutes.
Need help finding your model? You’ll find me in the Finamodel app!
Frequently asked
What drives the portfolio?+
Originations, loan terms, rates, amortisation, prepayments, defaults, recoveries and funding costs drive results.
Can I compare vintages?+
Yes. Cohort assumptions let you compare balances, losses, recoveries and returns as loans season.
Are funding needs projected?+
Yes. Warehouse, securitisation and equity assumptions flow into projected draws, costs and cash needs.
Can I test credit stress?+
Yes. Change default, recovery, prepayment and collection assumptions to see effects on losses, earnings and cash.
Have more financial modelling questions? Contact us
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