Virtual CFO
Fundraising financial models
A fundraising financial model builds a three statement forecast from an Australian business's actual historical numbers and a defensible growth plan, giving founders and owners a model that survives an investor's or lender's questions about every assumption behind it. Built for either an equity raise or a bank facility.
13-week cash forecast
Illustrative client · August 2026
AUD
- Cash today
- $244,220
- Lowest week ahead
- 239,800
- Largest outflow
- Payroll, 46,300
Illustrative. An example of the document, not a client's figures.
Built to be tested
Investors and lenders spend less time on a model's output than on its assumptions: growth rate, burn, whether unit economics support the plan. We build the model so those assumptions are visible and sourced from historical actuals rather than a top down guess.
What the model includes
A full three statement build, profit and loss, balance sheet and cash flow, driven by operating assumptions you control: headcount plan, pricing, customer acquisition cost, and the point at which revenue crosses the A$75,000 GST turnover threshold and registration becomes compulsory. Historical actuals for the prior 12 to 24 months come straight from your Xero, MYOB or QuickBooks Online file.
Use of funds and sensitivity
The model ties the raise amount to a specific use of funds and includes a sensitivity view on the one or two assumptions most likely to be challenged, such as a slower sales ramp than planned.
Equity or debt
The same build supports either an equity raise or a bank finance conversation; the outputs a lender wants differ from what an investor focuses on, and we build for the audience you are presenting to. Company tax at 25 per cent for base rate entities or 30 per cent standard sits inside the model's tax line rather than being ignored. This pairs with investor reporting once a raise closes. See pricing for how a model build is scoped.
Prepared under senior review
The model is built by our team, with every assumption under senior principal review before it reaches an investor or a lender.
Questions
Frequently asked questions: Fundraising financial models
How long does it take to build a fundraising model?
Typically a few weeks from kickoff, depending on how quickly historical data and growth assumptions come together, with time for revisions after a first draft.
Can you build the model for both an equity raise and a bank loan?
Yes. The three statement build is the same core; we adjust outputs and assumptions to match whether the audience is an equity investor or a lender.
Do you help present the model to investors?
We build the model to withstand scrutiny and can walk you through the assumptions before a raise, though we are not a party to your investor conversations.
What if we do not have two years of clean historical data?
We work with whatever clean history exists and are transparent with investors about where the model relies more heavily on assumptions rather than actuals.
Who presents the model to investors?
You do, with our support preparing the model and the answers to likely questions beforehand. We do not represent your business in investor meetings ourselves.
Will you help us defend the model to investors?
We build the model to withstand scrutiny and can walk you through the assumptions before a raise, though we are not a party to your investor conversations.
How far back does the historical data need to go?
As far back as clean records exist. Most models use 12 to 24 months of actuals as the base for the forward assumptions.
Can the same model support a debt raise instead of equity?
Yes. The model logic is the same; the assumptions and the output a lender wants differ from what an equity investor wants, and we build to the audience.
What if our records for fundraising financial models are not up to date?
If your records are behind, we scope a catch-up first so fundraising financial models starts from a clean, reconciled base. That catch-up is priced and timed separately from the ongoing engagement, so you always know what each part costs.
Related services
- Virtual CFOInvestor reportingA recurring investor update built from your actual numbers: the metrics investors expect, delivered on a schedule you can rely on.
- Virtual CFO13-week cash flow forecastA rolling week-by-week cash forecast that shows what is coming in, what is going out, and where the next 13 weeks get tight.
- Virtual CFOPricing and unit economicsA clear read on what each customer, order or unit actually costs and earns, so pricing decisions are based on margin rather than a guess.
Industries
Next step
Talk to the team that would run your books
A short call covers your setup, your software and what a first month would look like. You get a written scope and price after it.