Financial Modeling & Capital Planning
Understand Your Capital Before You Raise It.
AI-assisted financial modeling designed to help businesses understand capital requirements, liquidity, facility utilization and the financial impact of different operating and financing scenarios.
Better Capital Decisions Start With Better Visibility
Model the Business. Understand the Capital Need.
Capital requirements are rarely static. Growth, receivable timing, portfolio performance, operating expenses, borrowing-base availability and financing terms can materially change how much capital a business requires and when it requires it.
Gen Ventures develops AI-assisted financial models that help management evaluate these variables and understand potential capital requirements across a range of operating and financing scenarios.
Core Capabilities
Analysis built around the drivers of capital.
Capital Needs Analysis
Evaluate anticipated funding requirements based on growth, operating assumptions, cash flows and the underlying characteristics of the business or asset portfolio.
Line & Facility Utilization
Model expected draws, repayments, available capacity and utilization of revolving lines, warehouse facilities and other credit structures over time.
Liquidity Planning
Analyze cash availability and potential liquidity requirements under base, upside and downside operating scenarios.
Borrowing Base Modeling
Where applicable, model eligible collateral, advance rates, concentration limits and other variables that may influence borrowing availability.
Working Capital Modeling
Evaluate receivables, payables, inventory and cash-conversion dynamics to understand working-capital requirements.
Growth Scenario Analysis
Model how different growth assumptions may affect cash requirements, borrowing needs and facility capacity.
Financing Structure Comparison
Evaluate the potential financial impact of alternative financing structures, facility sizes, advance rates, pricing assumptions and amortization structures.
Stress Testing
Evaluate downside cases involving slower collections, reduced originations, increased expenses, higher financing costs or other relevant operating variables.
Cash Flow Forecasting
Develop integrated projections designed to provide greater visibility into cash generation, uses of cash and potential financing requirements.
Management Decision Support
Translate model outputs into understandable scenarios that management can use when evaluating growth, financing and capital allocation decisions.
Facility Utilization
How Much of the Line Will You Actually Use?
Obtaining a facility is only part of the question. A commitment letter alone does not answer:
- How large the facility should be
- When it will be drawn
- How quickly utilization may increase
- Whether the facility provides sufficient capacity for projected growth
- Whether unused capacity is unnecessarily expensive
- When additional capital may be required
- How collections and repayments affect availability
- How advance rates or eligibility assumptions affect borrowing capacity
Gen Ventures can model facility utilization over time based on operating assumptions and financing terms, so management can see how draws, collections, repayments and eligibility interact before committing to a facility size.
Facility Utilization Schedule
Revolving facility, $ millions
| Month | Facility Size | Outstanding | Available | Utilization |
|---|---|---|---|---|
| Month 1 | $25.0M | $6.2M | $18.8M | 25% |
| Month 2 | $25.0M | $8.1M | $16.9M | 32% |
| Month 3 | $25.0M | $10.4M | $14.6M | 42% |
| Month 4 | $25.0M | $12.0M | $13.0M | 48% |
| Month 5 | $25.0M | $14.6M | $10.4M | 58% |
| Month 6 | $25.0M | $16.9M | $8.1M | 68% |
| Month 7 | $25.0M | $18.8M | $6.2M | 75% |
| Month 8 | $25.0M | $21.3M | $3.7M | 85% |
| Month 9 | $35.0M | $23.5M | $11.5M | 67% |
| Month 10 | $35.0M | $25.1M | $9.9M | 72% |
| Month 11 | $35.0M | $27.4M | $7.6M | 78% |
| Month 12 | $35.0M | $29.0M | $6.0M | 83% |
Use Cases
Built for Complex Capital Needs
Specialty Finance Companies
Model originations, collections, portfolio growth, warehouse utilization and future capital requirements.
Healthcare & Medical Receivables
Model collection timing, reimbursement delays, advance rates and resulting liquidity requirements.
Insurance & Commission Businesses
Model recurring commissions, advances, collections and financing utilization.
Receivables-Driven Businesses
Understand how growth and collection timing influence working-capital and borrowing requirements.
Asset Originators
Evaluate capital required to originate or acquire assets before refinancing, selling or financing them through a facility.
Growth Companies
Understand whether projected growth can be funded internally or may create additional external capital requirements.
Existing Borrowers
Evaluate whether current facilities are appropriately sized and how utilization may change.
Companies Preparing for Financing
Develop a more sophisticated understanding of capital requirements before approaching potential financing sources.
Deliverables
From Raw Financial Data to Decision-Ready Analysis
- Integrated financial model
- Cash-flow forecast
- Capital-needs analysis
- Facility-utilization schedule
- Borrowing-base model
- Liquidity forecast
- Base / upside / downside scenarios
- Sensitivity analysis
- Growth-capital analysis
- Financing-structure comparison
- Management dashboard
- Assumptions documentation
- Executive summary of key findings
Process
A disciplined modeling process.
- 01
Understand
Review the business model, historical financial information, asset characteristics, existing financing and management assumptions.
- 02
Build
Develop an AI-assisted financial model around the variables that drive capital requirements and liquidity.
- 03
Stress Test
Evaluate alternative growth, collection, financing and operating scenarios.
- 04
Apply
Translate the analysis into actionable insights for capital planning, facility sizing and financing discussions.
The Role of AI
AI-Assisted. Financially Grounded.
Gen Ventures uses AI-assisted workflows to accelerate data organization, scenario development and financial analysis while maintaining human review of assumptions, model structure and outputs.
AI supports the work; it does not make financing, investment or credit decisions. Model outputs depend on the quality and accuracy of underlying data and assumptions and should be evaluated alongside management judgment and professional advice.
The Financing Lifecycle
Prepare. Capitalize. Manage.
- 01
Prepare
Institutional Readiness
Get ready for institutional financing.
- Financial Organization
- Financial Modeling
- Portfolio Analytics
- Data Tape
- Data Room
- Financing Materials
- 02
Capitalize
Capital Solutions
Evaluate and navigate commercial financing solutions.
- Capital Strategy
- Commercial Financing Alternatives
- Asset-Backed Financing
- Specialty Finance Facilities
- Financing-Source Identification
- Financing Process Support
- 03
Manage
Capital & Facility Management
Understand and manage capital after closing.
- Facility Utilization
- Borrowing Base Support
- Lender Reporting
- Liquidity Planning
- Capital Capacity
- Ongoing Advisory
Capital Advisory
From Capital Planning to Capital Solutions.
Understanding the capital requirement is often the first step. Where appropriate, Gen Ventures can separately assist clients in evaluating financing alternatives, preparing financing opportunities and identifying institutional capital sources whose mandates may align with the opportunity.
Discuss a Modeling Project
Tell us about the modeling need.
Financial models are analytical tools based on information and assumptions provided by management and other sources. Model outputs are estimates, are not guaranteed and do not constitute a commitment to provide or arrange financing, investment advice or a credit decision.