Financial Model Custom Built for Payments Business
A driver-based, three-statement 3-year model built on your transaction economics, sales-led, PLG, or self-serve GTM motion, and headcount — every assumption tied to a decision, every scenario stress-tested before you commit.
Start your fundraise with the model investors trust
Your vision, in detail
- Revenue built bottom up from your customer data and pipeline
- Each assumption tied to a specific business initiative
- Investor-facing summary tab with the metrics they look for first
- Delivered in Excel — easy to update monthly as actuals come in
The drivers of your business
- Transaction economics: volume, take rate, and net revenue after fees
- GTM efficiency: sales capacity, quota attainment, and pipeline coverage
- Headcount: role-by-role hire dates with loaded costs flowing into burn
- Three linked statements: P&L, balance sheet, and cash flow
Built for scenario analysis
- Bear, base, and bull cases — stress-tested before diligence
- Change any driver, model updates end-to-end instantly
- ARR waterfall, runway bridge, and round-sizing recalculate
- Walk investors through any what-if without rebuilding anything
One-time engagement from $4,750 · Optional quarterly re-forecast from $1,750
Fixed pricing, scoped to your revenue complexity.
Book a callGo into every pivotal moment prepared
Raising your Series A
- Walk into diligence with every assumption documented
- Answer investor questions in real time — no rebuilding
- ARR waterfall and use-of-funds tied to your growth narrative
- Scenario tabs ready for every board question
Deploying your last round
- Model every hire against payback and runway impact
- See which growth bets return fastest before you commit
- Board-ready view of burn, milestones, and remaining runway
- Know exactly when you need to start the next raise
Making a major decision
- Pricing change — model the revenue impact before you reprice
- New sales motion — test capacity assumptions against quota
- Market expansion — model headcount cost before committing
- Decide with data, not gut
Common Questions
What should a financial model include for a vertical SaaS company raising Series A?
Investors use the model to understand how a founder thinks — not just to check the numbers. At Bridges, we build every model around the drivers specific to payments businesses.
- Revenue model — GPV, take rate, net revenue, and subscription revenue modeled separately
- Headcount plan — role-by-role with loaded costs and start dates
- Three linked statements — P&L, balance sheet, and cash flow
- Scenario tabs — bear, base, and bull cases stress-tested before diligence
- Investor outputs — ARR waterfall, runway bridge, and use-of-funds
How do you model gross vs. net revenue for a vertical SaaS company?
Presenting only gross or only net revenue creates credibility problems in diligence. At Bridges, we model revenue in three distinct layers so investors see exactly how the business makes money.
- Gross revenue — full transaction value or GPV
- Less: processing fees — Stripe fees, interchange, and network costs
- Net revenue — what flows to the P&L after fees
What does a three-statement model look like for a vertical SaaS company?
A three-statement model links every assumption to a financial outcome. At Bridges, all three statements are fully connected — a change in any driver flows through the model automatically.
- P&L — gross revenue, processing fees, net revenue, gross margin, headcount, and operating expenses
- Balance sheet — deferred revenue, Stripe reserves, accounts receivable, and cash
- Cash flow statement — operating cash flow adjusted for payout timing and working capital movements
How do you model take rate and transaction volume for a vertical SaaS company?
Take rate and volume are the two most scrutinized assumptions in any payments model. At Bridges, we build both from the ground up using your actual customer and transaction data.
- Start with GPV by customer cohort — not a single blended volume figure
- Apply gross take rate — your fee before processing costs
- Subtract net processing costs — Stripe fees, interchange, and network fees
- Arrive at net take rate — the margin you actually keep
- Model take rate separately for each revenue stream if you have multiple
Why do investors ask for a financial model from a vertical SaaS company?
Investors don't expect a payments model to be accurate at the early stage — they use it to evaluate how a founder thinks. At Bridges, we build models that hold up in the room and answer the hardest investor questions before they're asked.
- Do revenue assumptions tie to real customer and transaction data?
- Is the headcount plan matched to the growth strategy?
- Are take rate and net revenue modeled honestly — or is GMV presented as revenue?
- Can the founder answer "what if volume drops 30%?" in real time without rebuilding anything?
A model that holds up in the room
The best models don't just get you a meeting — they close the round. A 15-minute call is enough to scope exactly what you need.