Fintech Payments Pro Forma
Tech & Software Excel Template (Free Download)
Project customer cohorts, transaction volume, take rates, processing costs, unit economics, and profitability for a payments platform.
professionals from Deloitte
About this pro forma
The full Excel engine separates SMB, enterprise, and platform customers, rolling acquisition cohorts through retention and churn while transaction volume and take rates build revenue. Processor costs, network fees, fraud, and negotiated pricing show how gross margin changes as volume and customer mix scale.
The pro forma converts cohorts into CAC, LTV, payback, EBITDA, and cash-flow outputs for projected growth decisions. Payments executives, fintech investors, lenders, and FP&A teams can test pricing and segment allocation.
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 Fintech Payments Pro Forma
- Customer acquisition cohorts and retention curves
- Transaction volume and take-rate revenue by segment
- Processor, network, fraud, and variable cost build
- SMB, enterprise, and platform unit economics
- CAC, LTV, payback, EBITDA, and cash outputs
- Pricing, churn, volume, and segment-mix sensitivities
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
How is payments revenue projected?+
Customer cohorts generate transaction volume by segment, which is multiplied by the relevant take rate.
Are processing costs modelled?+
Yes. Processor, network, fraud, and other variable costs are separated to show take-home margin.
What does cohort analysis add?+
Retention and churn by acquisition cohort make CAC, LTV, payback, and growth quality visible.
Who uses this pro forma?+
Payments operators, fintech investors, lenders, and FP&A teams use it for growth and pricing decisions.
Have more financial modelling questions? Contact us
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