A financial model is only useful if it reflects how the business actually works — and only credible if the person presenting it can answer the hard questions. Cipher Financial builds models designed to be used: for running the company month to month, for raising capital, and for making decisions with real money attached.
Modelling services
- Integrated financial models — three-statement models (income statement, balance sheet, cash flow) with clean structure, documented assumptions, and no black boxes.
- Monthly forecasting — rolling forecasts that get updated, compared to actuals, and improved — not built once and abandoned.
- Cash-flow models — direct and indirect cash-flow forecasting, burn-rate and runway analysis.
- Revenue modelling — bottoms-up revenue builds that reflect your actual drivers: customers, pricing, cohorts, capacity, or contracts.
- Expense planning — headcount plans, operating budgets, and capital requirements.
- Scenario and sensitivity analysis — base, upside, and downside cases, and clarity about which assumptions actually move the outcome.
- Investor models — models built for financing processes, structured the way sophisticated investors expect to see them.
- Use-of-proceeds modelling — how a raise will be deployed and how long it lasts under different scenarios.
- Board reporting — model outputs distilled into reporting a board can absorb in minutes.
- Business planning — the numbers behind expansion decisions, new products, and strategic plans.
What makes a model worth having
- Driver-based — assumptions you can point to and debate, not hard-coded guesses buried in formulas.
- Auditable — a structure another finance professional can follow without a guided tour.
- Maintained — a model your team can update after the engagement, with documentation to match.
- Honest — downside cases that are genuinely tested, not decoration.
Models are typically delivered in Excel or Google Sheets, working with your existing accounting data and systems.