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8:T2cc9,{"id":"cG9zdDo4MTMy","title":"Small Business Loan Consulting Financial Model Example","content":"<p>Our Small Business Loan Consulting Financial Model Structure covers all the essential aspects you need to consider when starting or scaling a Small Business Loan Consulting business. By following this structure, you can better understand your revenue streams, costs, and assets, helping you optimize profitability and strategically plan for growth.</p>\n<h2>Small Business Loan Consulting Financial Model Structure</h2>\n<p>Starting a small business loan consulting business requires careful financial planning to ensure sustainability and growth. This Small Business Loan Consulting financial model serves as a blueprint for outlining typical revenues, direct costs, employees, expenses, and assets that are essential when establishing or expanding your consulting operations. Additionally, it can inspire innovative and profitable revenue streams. The Small Business Loan Consulting financial model structure: it is crucial for guiding decisions, however, many overlook its importance. Because of this, some businesses fail, although they may have had potential for success.</p>\n<h3>Revenues</h3>\n<p>In a Small Business Loan Consulting business, revenue streams can be diverse to maximize profitability:</p>\n<ul>\n<li><strong>Consultation Fees:</strong> Charge clients for advisory sessions, billed hourly or per project.</li>\n<li><strong>Loan Application Services:</strong> Revenue from assisting businesses in completing loan paperwork correctly, often charged as a flat rate or percentage of the loan amount.</li>\n<li><strong>Commission from Lenders:</strong> Earn a percentage commission from lenders upon successful loan placements.</li>\n<li><strong>Financial Workshops:</strong> Organize workshops for small businesses on financial literacy and charge a participation fee.</li>\n<li><strong>Retainer Agreements:</strong> Offer continuous advisory services on a retainer fee basis.</li>\n<li><strong>Referral Fees:</strong> Obtain fees for referring clients to financial institutions or other professional services.</li>\n<li><strong>Digital Products:</strong> Sell ebooks or online courses that help small businesses understand loan products.</li>\n<li><strong>Subscription Services:</strong> Provide ongoing access to premium financial tools and resources for a monthly fee.</li>\n</ul>\n<p>However, this model can be challenging, because competition is fierce; although, opportunities exist.</p>\n<h3>Cost of Goods Sold</h3>\n<p>The cost of goods sold (COGS) for these revenue streams typically includes; however, it can vary significantly based on various factors:</p>\n<ul>\n<li>Direct labor costs for consultants</li>\n<li>Software and platform subscriptions needed for client management and loan processing; however, these tools are crucial.</li>\n<li>Syndication fees to financial networks</li>\n</ul>\n<h3>Employees</h3>\n<p>Key employees in your business include:</p>\n<ul>\n<li><strong>Consultants:</strong> Provide domain expertise and guidance to clients seeking loan solutions.</li>\n<li><strong>Administrative Assistants:</strong> Handle scheduling, communication, and file management.</li>\n<li><strong>Marketing Specialists:</strong> Promote services and attract new clients through digital and offline channels.</li>\n<li><strong>Customer Service Representatives:</strong> Address client inquiries and maintain client satisfaction.</li>\n<li><strong>Financial Analysts:</strong> Conduct financial analysis and market research for clients.</li>\n</ul>\n<p>This multifaceted approach is essential for success, although challenges may arise in the process.</p>\n<h3>Operating Expenses</h3>\n<p>Typical operating expenses include:</p>\n<ul>\n<li><strong>Rent:</strong> Cost of office space leasing.</li>\n<li><strong>Utilities:</strong> Expenses for electricity, water, and internet services are a significant portion of operating costs.</li>\n<li><strong>Marketing:</strong> Costs for advertising and promotional activities can be substantial; however, they are essential for growth.</li>\n<li><strong>Professional Services:</strong> Fees for legal, accounting, and consulting services are necessary to ensure compliance and strategic advice.</li>\n<li><strong>Insurance:</strong> Premiums for business liability and professional indemnity insurance.</li>\n<li><strong>Office Supplies:</strong> Costs for paper, pens, and other necessary items may seem trivial, but they accumulate quickly.</li>\n<li><strong>Software Licenses:</strong> Subscriptions and licenses for financial analysis software.</li>\n<li><strong>Training and Development:</strong> Costs to enhance employee skills and knowledge, fostering a more competent workforce.</li>\n<li><strong>Travel Expenses:</strong> Costs incurred from visiting clients or attending industry events often lead to valuable opportunities.</li>\n<li><strong>Communication:</strong> Expenses for phones, mobile plans, and other communication tools are vital in maintaining connections.</li>\n</ul>\n<h3>Assets</h3>\n<p>Typical assets include:</p>\n<ul>\n<li><strong>Office Equipment:</strong> Computers, printers, and office furniture.</li>\n<li><strong>Software:</strong> CRM and loan processing applications.</li>\n<li><strong>Intellectual Property:</strong> Proprietary consulting methodologies or financial models that provide a competitive edge.</li>\n</ul>\n<h3>Funding Options</h3>\n<p>Common funding options include:</p>\n<ul>\n<li><strong>Bank Loans:</strong> Financing from traditional banks.</li>\n<li><strong>Angel Investors:</strong> Individual investors providing startup capital.</li>\n<li><strong>Venture Capital:</strong> Funding from VC firms in exchange for equity.</li>\n<li><strong>Bootstrap Funding:</strong> Using personal savings or loans from family and friends.</li>\n<li><strong>Government Grants:</strong> Grants offered for small businesses and startups.</li>\n</ul>\n<h2>Driver-based financial model for Small Business Loan Consulting</h2>\n<p>A truly professional Small Business Loan Consulting financial model is grounded in the <a href=\"https://hesfintech.com/blog/7-lending-kpis-to-measure-lending-business-performance/\">operating KPIs</a> (aka “drivers”) that are pertinent to the industry. Below are examples of crucial operating KPIs:</p>\n<ul>\n<li><strong>Client Conversion Rate:</strong> Percentage of prospects who turn into paying clients.</li>\n<li><strong>Average Loan Size:</strong> The average size of loans processed per client.</li>\n<li><strong>Consultation Hours:</strong> Total billable hours performed by consultants.</li>\n<li><strong>Client Retention Rate:</strong> Percentage of clients returning for additional services.</li>\n<li><strong>Referral Rate:</strong> Number of new clients generated through referrals.</li>\n<li><strong>Revenue per Consultant:</strong> Revenue generated per consultant.</li>\n<li><strong>Profit Margin:</strong> Percentage of revenue remaining after costs of goods sold and expenses.</li>\n<li><strong>Loan Approval Rate:</strong> Percentage of loan applications approved.</li>\n<li><strong>Debt Collection Success Rate:</strong> Successful recoveries of outstanding client loans.</li>\n<li><strong>Market Penetration Rate:</strong> The firm&#8217;s share within the target market.</li>\n</ul>\n<p>Driver-based financial planning is a process of identifying the key activities, also known as ‘drivers’, that have the highest impact on your business results. However, this requires building your financial plans based on those activities. It allows you to establish relationships between the financial results and the resources you need to achieve those results, like people, marketing budgets, equipment, etc.</p>\n<p>If you want to know more about driver-based financial planning and why it is the right way to plan, see the founder of Modeliks explaining it in the video below.</p>\n<p><iframe loading=\"lazy\" title=\"Unleashing the Secrets: Dominating Driver-Based Financial Planning\" width=\"640\" height=\"360\" src=\"https://www.youtube.com/embed/TRMzfKz9OOw?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen></iframe></p>\n<h2>The financial plan output</h2>\n<p>The objective of the financial forecast outputs should enable you as well as your management, board, or investors to quickly comprehend how your Small Business Loan Consulting enterprise will fare in the future. Additionally, it should provide assurance that the plan is well-considered, realistic, and attainable. It is crucial to grasp what investment is necessary to execute this plan and what the anticipated return on that investment will be. To accomplish these objectives, here is a one-page template regarding how to effectively showcase your financial plan.</p>\n<p><img loading=\"lazy\" decoding=\"async\" src=\"/images/cms/WhatsApp-Image-2024-09-27-at-09.52.52.jpeg\" alt=\"Small Business Loan Consulting financial plan\" width=\"800\" height=\"520\" /></p>\n<p>Aside from this one-page summary of your plan, you&#8217;ll also require the three projected financial statements:</p>\n<ul>\n<li>Profit and Loss</li>\n<li>Balance Sheet</li>\n<li>Cash Flow Statement</li>\n</ul>\n<h2>Small Business Loan Consulting financial model summary</h2>\n<p>A professional Small Business Loan Consulting financial model will help you think through your business processes; identify the resources you need to achieve your targets, set goals, measure performance, raise funding, and make confident decisions to manage and grow your business. By clearly outlining and understanding your revenue streams, costs, and key operating drivers, you&#8217;ll have a comprehensive view to guide your strategic decision-making and ensure long-term success. However, this requires diligence and attention to detail because without it, you may overlook critical aspects. Although the journey may be challenging, the rewards can be significant.</p>\n<p>If you need help with your financial plan, try <a href=\"https://modeliks.com\" target=\"_blank\" rel=\"noopener\">Modeliks</a>, a financial planning solution for SMEs and startups or contact us at <a href=\"mailto:contact@modeliks.com\">contact@modeliks.com</a> and we can help.</p>\n<p>Author:<br />\n<a href=\"https://www.linkedin.com/in/blagojahamamdziev/\">Blagoja Hamamdjiev</a>, Founder and CEO of <a href=\"https://www.modeliks.com/\" target=\"_blank\" rel=\"noopener\">Modeliks</a>, Entrepreneur, and business planning expert.</p>\n<p><em>In the last 20 years, he helped everything from startups to multi-billion-dollar conglomerates plan, manage, fundraise, and grow.</em></p>\n","slug":"small-business-loan-consulting-financial-model-example","date":"2025-01-30T13:03:16","featuredImage":{"node":{"id":"cG9zdDo4MTMx","sourceUrl":"/images/cms/main-image-c9FQyqIECds.jpeg","altText":"Small Business Loan Consulting financial structure"}},"seo":{"metaDesc":"Unlock success with our Small Business Loan Consulting financial model. 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