Financial Modeling
A driver-based 36-month I-P-O-C model that scores whether your numbers will get you endorsed — and settled
What It Does
Financial Modeling is the only tool that scores whether your numbers will get you endorsed and settled. Answer ~11 plain-English questions and it returns a driver-based, deterministic 36-month I-P-O-C model — three investor-grade statements, unit economics, scenarios and sector benchmarks — fronted by a 7-criteria ILR Settlement Readiness scorecard you will not find anywhere else.
It is a first-class feature, co-equal with the Business Plan module: the plan tells your story, the model proves the numbers behind it. The model runs entirely in your browser (no server round-trip), so it is fast and private, and its companion content track — Financial Fluency — takes you from spreadsheet-scared to endorsement-ready.
The I-P-O-C Framework
Every model is structured around four questions an endorsement body will ask:
Investment
Initial funding requirement, capital allocation and use of funds. How much do you need and where does it go?
Profitability
Revenue projections, gross margins and the path to profitability. When does the business become self-sustaining?
Operating Costs
Fixed and variable costs, hiring plan and overhead. What does it cost to run the business month by month?
Cash Flow
Monthly cash position, burn rate and runway. How long can you operate before you need to raise again?
What It Produces
From ~16 plain-English drivers, the engine computes:
P&L Statement
Revenue, cost of goods sold, gross margin, operating expenses, EBITDA and net income, rolled up year by year.
Cash Flow Statement
Month-by-month cash position across the full 36 months — burn rate, runway and the trough where startups actually die.
Balance Sheet
Assets, liabilities and equity that tie back to the P&L and cash flow — the third statement most templates skip.
Unit Economics
LTV, CAC, the LTV:CAC ratio, payback period and contribution margin — the numbers that show the model holds at the customer level.
Scenarios
Base, best and worst cases generated from the same drivers, so you can show you have stress-tested the downside, not just the upside.
Sector Benchmarks
Nine tuned presets (SaaS, Marketplace, Fintech, PropTech, eCommerce, Hardware, Healthtech, CleanTech, EdTech) seed realistic defaults and grade your margins against sector norms.
ILR Settlement Readiness Scorecard
This is the wedge. Most modelling tools stop at endorsement. Settlement (Indefinite Leave to Remain) requires meeting at least 2 of 7 contribution criteria — and the scorecard reads them straight off your model, grading each as Met, Close or Not yet so you can build for the endorsement and the 3-year settlement from day one.
£50,000+ invested in the business
You have put real capital behind the venture.
Customers at least doubled over three years
Demonstrates genuine demand and traction.
Significant R&D plus a UK patent application
Evidence of real innovation and protected IP.
£1m+ revenue in your third year
A clear scale milestone for the business.
£500k+ revenue with £100k+ from abroad
Export-led growth beyond the UK market.
10+ UK jobs filled by settled workers
Meaningful job creation for the UK.
5+ settled UK jobs at £25k+ salary
Quality, well-paid roles, not just headcount.
The scorecard is a self-assessment aid derived from your model's numbers — not a Home Office endorsement or a guarantee of settlement. Always confirm the current requirements with a qualified immigration adviser.
Model Health Score
Alongside the settlement scorecard, every model gets a 0–100 Model Healthgrade built from seven lenses, each flagged red, amber or green. Model Health blends into the Financial category of your Application Score on the dashboard, so tightening the model lifts your overall endorsement readiness.
- Revenue model is clear — revenue is computed from drivers, not typed in.
- Costs look complete — payroll, opex, CAC and COGS are all modelled.
- Growth is justifiable — month-one growth is defensible with a channel, not a wish.
- Cash timing is monthly — year one is modelled month by month.
- Survives the worst case — the worst-case scenario never runs out of cash.
- Margins are realistic — gross margin sits in a believable band for your sector.
- Funding covers the runway — the raise carries you through the trough to break-even.
Export Options
Take your finished model straight into an application or an investor conversation:
- PDF — an investor-ready presentation pack with statements and charts (Premium)
- Excel — a 7-sheet workbook exposing every assumption and projection (Autopilot)
How to Access
The full cockpit is a Premium feature. Every tier can taste the wedge — the free tier opens a read-only sample model with the ILR scorecard preview.
| Tier | Financial Modeling access |
|---|---|
| Free | Read-only sample model + ILR Settlement Readiness preview |
| Air | Model scaffolding via the model_financials tool, inside your own Claude |
| Premium | Full cockpit — all three statements, scenarios, benchmarks and PDF export |
| Autopilot | Done-for-you model + Excel export |
Tips
- Pick your sector first — the nine presets seed realistic defaults you can then tune
- Lead with the settlement wedge — aim to turn at least 2 of the 7 ILR criteria green from day one
- Model the worst case — endorsement bodies reward founders who have stress-tested the downside
- Watch the Model Health rail — drive every lens to green before you export
- Keep margins honest — a gross margin above ~92% reads as a red flag, not a strength