Financial Projections

Assumptions — stated explicitly — Traffic growth rates (benchmarked to comparable sites), conversion rates (industry benchmarks for lead gen), lead values (broker market rates), subscription conversion (SaaS benchmarks adapted for consumer fintech). Every assumption labelled and sourced. Revenue model: 24 months — Month-by-month revenue build across all streams. Realistic ramp — months 1-6 are build with near-zero revenue. Lead referral revenue from month 6-8. Subscription revenue from month 9-12. B2B2C pilots from month 12+. Cost structure — Founder salaries (modest), infrastructure, third-party services (open banking APIs, data providers), marketing spend (minimal initially — SEO is sweat not spend), legal/regulatory costs. Burn rate and runway — Monthly burn, total runway from £250k, when additional capital is needed (if at all within 24 months). Scenario analysis — Base case, conservative case (50% of traffic assumptions), aggressive case. Show the model works even when you're wrong about key assumptions. Break-even — When the business covers its costs. What needs to be true for that to happen.