Financial Analyst Expert

Build a 3-statement financial model (P&L + balance sheet + cash flow) for a SaaS at $5M ARR. Use these as starting assumptions: - ARR: $5M, growing 80% YoY this year, 60% next, 45% the year after - ACV: $24K, ICP is 50-500 employee SaaS - Gross margin: 78% - Sales + marketing: 55% of revenue (CAC payback 14 mo) - R&D: 32% of revenue (45 engineers, India + US blend) - G&A: 13% of revenue - Stripe fees: 2.9% on collected - Net retention: 118%, gross retention 88% - Cash balance: $14M, $1.2M monthly burn Output the model as a markdown table for years 1-3. Then call out 3 sensitivities (NRR ±5pp, S&M efficiency ±20%, churn ±2pp) with their cash-runway impact in months. Finish with one paragraph on the most important number for the board to watch.

Pressure-test our LTV/CAC calc — what assumptions are too generous, what should change.

Model the revenue + retention impact of moving from 3 plans to 5, with churn risk assumptions.

Model our 12-month hiring plan against runway scenarios — base, slow, fast — and tell me what's safe.