37 types of business

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Banking and lending

15 types of business

Bank financial modelDeposit-taking lender earning net interest income on loan portfolios funded by customer deposits, wholesale funding and equity, with growth and payouts constrained by regulatory capital.Sample structure in Excel
Credit union financial modelMember-owned deposit-taker lending mainly home loans funded by member deposits, with capital built only from retained profits (and mutual capital instruments), no ordinary dividends, and growth often through mergers with other mutuals.
Neobank financial modelApp-only bank (retail or SME) that wins customers with low-cost accounts and cards, earns interchange, subscription and account fees and net interest income on deposits and a growing loan book, and spends heavily on acquisition and technology before reaching profitability.Sample structure in Excel
Non-bank lender financial modelSpecialty lender (mortgages, auto, SME, personal or buy-now-pay-later) funding its loans through warehouse facilities, securitisation and corporate debt rather than deposits.Sample structure in Excel
Consumer lender financial modelNon-bank lender of personal loans, credit cards, car loans or small-amount credit to consumers, earning high yields and fees against high credit losses, funded by warehouses, ABS and corporate debt.Sample structure in Excel
Buy now pay later provider financial modelPays merchants up front less a merchant fee and collects short interest-free instalments from consumers, earning the merchant discount, late and account fees on a fast-turning receivables book funded by warehouses.Sample structure in Excel
Invoice finance lender financial modelLends to small and medium businesses through term loans, lines of credit, invoice finance (factoring and discounting), trade and supply-chain finance, earning interest margins plus discount and service fees.Sample structure in Excel
Equipment and auto finance company financial modelFinances vehicles and equipment through loans, finance leases, novated leases and operating leases, earning interest and fees plus remarketing results, and carrying residual value risk on leased assets.Sample structure in Excel
Mortgage lender financial modelNon-bank or retail mortgage bank that originates home loans through retail, broker and correspondent channels, sells most of them into the secondary market for a gain on sale, and earns servicing fees on the loans it keeps servicing.Sample structure in Excel
Mortgage broker financial modelArranges home loans for lenders and earns upfront and trail commissions (shared with its brokers), or manages white-label loans funded by others for a margin, holding a trail book whose value depends on loan runoff.Sample in Excel · live preview
Mortgage REIT financial modelHolds agency or credit mortgage-backed securities and whole loans funded with repurchase agreements and securitisations, earning the spread between asset yields and funding costs after hedging, and paying out most of its taxable income.Sample structure in Excel
Private credit fund financial modelListed or unlisted vehicle lending to mid-market companies (senior, unitranche and mezzanine loans), earning floating-rate interest and fees, using fund-level leverage and paying an external manager base and incentive fees, with most income distributed.Sample in Excel · live preview
Pawnbroker and small-amount lender financial modelMakes short, small loans against pledged goods (pawn) or on an unsecured, group or payday basis through store networks and online, earning high fee yields, and sells forfeited collateral as retail merchandise.Sample structure in Excel
Debt collection agency financial modelBuys portfolios of defaulted consumer debt at a fraction of face value and collects them over several years, and collects debts for clients on contingency, earning the return on purchased ledgers plus commissions.Sample in Excel · live preview
Development bank financial modelGovernment-owned or multilateral lender that commits long-term loans, guarantees and equity to projects and exporters, funded by sovereign capital and bond issuance, usually tax-exempt and judged on sustainability rather than return on equity.Sample structure in Excel

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Insurance

7 types of business

03 / 04

Investment and wealth

8 types of business

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Markets, payments and financial infrastructure

7 types of business

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