36-month business financial model — Excel: P&L, cash, unit economics

36-month business financial model — Excel: P&L, cash, unit economics

Ready 36-month business financial model in Excel — 9 linked sheets on live formulas. Change assumptions and everything recalculates: revenue, profit, cash, LTV/CAC.
The bundled example is a coffee-shop chain (2 locations → 4 over 3 years). Replace the yellow cells with your own numbers — the model fits any small business: food service, retail, services, manufacturing.
📦 FORMAT · VERSION · GUARANTEE
• Contents: ZIP — XLSX model (9 sheets), verify_model.py (recalc & compare), docs/METODIKA.md, GUIDE.pdf with screenshots, README, LICENSE
• Version: September 2026 · No macros: Excel 2016+ / Google Sheets / LibreOffice
• Delivery: automatic e-mail right after payment
• Guarantee: reproducible bugs fixed in 24–72h (6 months of support)
WHAT´S INSIDE (9 SHEETS)
• Dashboard — 8 KPIs: revenue, profit, cash balance, cash gap, LTV/CAC, CAC payback
• Assumptions — the only input area: price, traffic, growth, locations, rent, food cost, taxes, 30% payroll contributions
• Revenue — 36 months: traffic growth with a cap, scenario multiplier, COGS
• Staff — headcount, salaries, 30% insurance contributions (2026)
• OpEx — rent/misc/marketing/payroll with yearly indexation
• P&L — depreciation, EBITDA, 15% simplified tax, net profit monthly and cumulative
• Cash — inflows/outflows/CapEx/balance/runway: see the cash gap before it happens
• Unit economics — CAC, LTV, payback, LTV/CAC (healthy ≥ 3)
• Scenarios — pessimistic ×0.75 / base / optimistic ×1.3, one-cell switch
VERIFICATION — 30 CONTROL POINTS
python verify_model.py recalculates the workbook with the formulas engine and compares it to an independent Python computation: revenue, EBITDA, tax, net profit (months 1–36), cash balance, LTV. Match to the ruble. Gallery screenshots are real Excel (sheets printed via COM), not drawn mockups.
FOR WHOM
• An entrepreneur sizing up a business before launch: how much capital, when it pays back, where the cash gap is
• An operating business — a 3-year plan for banks and investors
• Franchises and consultants — a template for client unit economics
• An investor — a summary with ROI and required capital
WHY IT IS NOT "A 200-RUB SPREADSHEET"
Formulas are open (click any cell), every sheet´s logic is documented in docs/METODIKA.md, and the model passed an independent verification. Nothing hidden, nothing breaks on edit: quoted cross-sheet references (P&L, unit economics), negative-balance guards, traffic caps.
SEE ALSO: WB/Ozon unit economics PRO for marketplace sellers; Plati seller profit analytics.


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