Financial Modeling

Cash Flow and Loan Repayment Spreadsheet: The capital investment will cap at $24 Million Terms are 15% on all borrowed funds - Daily, divided by 365 The capital outlay is 8% of the debt load for each file enrolled to the front-end affiliate, Loan repayment is 100% from settlement fees over 36-48 months, Settlement fee = 29% of debt - Spreadsheets of historical settlement data is available From each settlement - CDP will get 80% and 20% to serving company 80% of CDP fee is applied to the loan balance. Estimated growing is 1000 enrollments per month with a fee of 29% of the debt load. The industry average debt load is still hovering around 20k Average Attrition rate: 15% Front-end affiliates have a claw back clause for the clients that cancel or dropout before the first settlement date. Variable fields: debt load, enrollments per month, settlement fee, cancellation percentage Outcomes: Operating Cashflow vs Loan Repayments