Credit Diligence

Model Overview

• Scorecard compare with other startups

• Fraud detection analysis - Benish M-score & External Funding dependence

• Simple valuation

• Runway Analysis

• Simple 12 month cash flow forecast

General Usage Tips

• Input/adjustable cells are displayed in blue font with a blue background.

• Most toggles only affect the current page.

• Some financials are hidden by default, click “+” on the top to reveal.

Main Features

Performance Scorecard

• Scorecard Dashboard
• A scorecard that compares the company's financial with other startup at the same ARR scale.

• ARR Forecast
• Quick next 12-months forecast based on the latest 4-months average ARR.

Quick Risk Analysis

• Fraud Check
• Beneish M-Score: Detects for probability of earnings manipulation.

• External funding dependence
• Measures how much the business relies on external capital to sustain operations.

Light valuation

• Get a quick idea on how much the company worth by adjusting the assumptions in Blue cells.
• Revenue multiple valuation method, auto quarterly multiple benchmark update.

Financials

• Financial Statements
• 3 Financial Statement all built from Journal-level Data.
• Cash Flow Statement is built with indirect method.
• Free to adjust accounting period

• Financial KPI
• Key Financial Metrics, Ratios, and Trend.

Runway Analysis

• Auto runway calculate based on the assumptions in Blue cells.

• Runway Extender
• Input % of reduction to see how runway could be extended.

12 month cash flow forecast

• Quick 12 month cash flow forecast, free to change assumption by:
• Toggle between different forecasting methods from the drop-down; or
• Input forecast figures to override specific forecasted figures.

• Forecasted figures and assumptions will be reflected immediately with visual graphs.