What is the Financial Engine and how does driver-based modeling work?

The Financial Engine is an institutional modeling cockpit that connects revenue, headcount capacity, software sprawl, and gross margin drivers to real-time cash runway and EBITDA addback projections.

How does Agentic Margin Expansion impact B2B software gross margins?

Agentic Margin Expansion models how AI agents and automated workflows eliminate manual spreadsheet bottlenecks, streamline software spend, and expand operating margins from 75% toward an 80%+ floor.

Can I export audit-ready Excel models and executive memos?

Yes, the Financial Engine supports instant exports to audit-ready Excel workbooks (.xlsx), PDF executive memos, CSV data tables, and social sharing collateral.

Financial Engine

Ratings index

Executive Financial Copilot

You are projected to grow 20% next year, and make $5.3M cash. Would you like to increase revenue next year? **Executive Strategic Levers Available:** 1. **Software Capitalization (`/convert`):** Shift qualifying engineering payroll from OpEx into capitalized software assets to expand GAAP EBITDA dollar-for-dollar (+$15M–$22M Enterprise Value lift). 2. **Profit Goal-Seeking:** Reverse-engineer the revenue growth, hiring pace, or OpEx cuts needed to achieve target EBITDA milestones. 3. **Executive Presentation Deck (`/deck`):** Review 10 institutional board slides with automated P&L waterfalls and multiple bridges. **What to do next:** - Click any quick action below to test a strategic lever. - Type any command in the prompt bar (e.g., `/convert`, `/bridge`, or `cut OpEx by $500k`). - Double-click any cell on the financial model grid to test an assumption directly.

Executive FP&A Briefing

Scenario:

3-Month Forecast OverlayManual dollar overrides for M1–M3. Base plan remains underneath; M4+ follows driver formulas.

Oct 2026Forecast

Nov 2026Forecast

Dec 2026Forecast

Revenue

Software

Headcount

3-Year P&LBase Case

Topline & Unit Economics

+20.0% CAGR

+$1,100,000

+$3,300,000

Operating Expenses (OpEx)

+$69,552

↳

+$23,184

↳

+$23,184

↳

+$23,184

+$352,800

+$160,494

+$143,600

+$118,259

+$0

+$422,352

+$0

Operating Profitability & Cash Flow

+$2,877,648

-$289,882

+$3,167,530

+$12,300

+$3,155,230

3-Year Financial Summary

FY26 Base

FY27 Target

FY28 Scale

3 lines

Revenue

SaaS WalkNon-GAAP Operational

ARR Roll-Forward Bridge

Roll forward ARR from beginning to ending run-rate through customer churn, expansion, and new logos.

Bridge Component

Driver

FY26

FY27

FY28

Beginning ARR

$10,000,000

$12,000,000

$14,400,000

Gross Churn

$500,000

$600,000

$720,000

Expansion

$1,500,000

$1,800,000

$2,160,000

New logos

$1,000,000

$1,200,000

$1,440,000

Ending ARR

$12,000,000

$14,400,000

$17,280,000

$10,000,000

$12,000,000

$14,400,000

Cost of Goods Sold (COGS)

$2,500,000

$3,000,000

$3,600,000

Gross Profit

$7,500,000

$9,000,000

$10,800,000

11 lines

Software

$480,000

$513,600

$549,552

ERP

$160,000

$171,200

$183,184

Point tools

$160,000

$171,200

$183,184

Glue

$160,000

$171,200

$183,184

Headcount (Loaded Compensation)

$1,680,000

$1,848,000

$2,032,800

Sales & Marketing (S&M)

$820,800

$897,408

$981,294

Research & Development (R&D)

$734,400

$802,944

$878,000

General & Administrative (G&A)

$604,800

$661,248

$723,059

Sheet cost

$424,320

Total OpEx

$2,584,320

$2,785,920

$3,006,672

OpEx/FTE

$215,360

1 line

Operating Income (EBITDA)

$5,340,000

$6,638,400

$8,217,648

4 lines

Change in Working Capital (ΔNWC)

-$658,822

-$790,586

-$948,704

Operating Cash Flow (OCF)

$5,998,822

$7,428,986

$9,166,352

Capital Expenditures (CapEx)

$120,000

$126,000

$132,300

Free Cash Flow (FCF)

$5,878,822

$7,302,986

$9,034,052

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