Amani Solutions needed a financial plan that investors and judges could interrogate, for its Hult Prize 2026 submission. I built a 36-month, driver-based model in which every line traces back to a short list of operating assumptions, so the plan can be stress-tested by changing one input rather than rewriting numbers.
How the model is wired, from operating assumptions to statements and outputs
How it works
Revenue drivers for SACCOs onboarded, members scored, loans originated and commission per loan, plus an annual analytics fee per SACCO.
Cost drivers for the team and hiring plan, cloud and data, field onboarding and overheads.
A monthly build that rolls up into annual statements, cash flow and runway.
Results
The base case projects about 24.4 million ETB in Year 3 revenue at a 42% EBITDA margin.
The model went into Amani's Hult Prize 2026 submission.
For your startup
I build the same kind of model for lenders and fintechs, with a monthly loan book, expected loss, provisions and funding needs. See my financial model for a lending startup in Services.
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36-month driver-based model built for Amani's Hult Prize 2026 submission. Base case projects 24.4M ETB Year 3 revenue at 42% EBITDA.