Playbooks, formulas, and 2025 benchmarks for SaaS and fintech operators. We cover financial modeling, cohort analysis, and board reporting. Every post leads with the answer.
A complete, benchmark-scored SaaS financial model template needs 21 integrated sheets. We break down what each one does, what formulas drive it, and where most founder-built models break.
A complete tutorial on building a 60×60 cohort retention matrix in Excel. Covers formula logic, INDEX/MATCH patterns, LTV curve fitting, and how to interpret what the table actually tells you.
A complete guide to building a cap table in Excel that handles SAFE conversions, option pool refreshes, pre- and post-money math, and exit waterfalls across multiple rounds.
David Sacks' Burn Multiple is the single most useful efficiency metric in SaaS. We break down the formula, the 2025 benchmarks, and how it compares to Magic Number and CAC Payback.
The Rule of 40 is the single most-cited SaaS benchmark for balancing growth and profitability. We explain the formula, the 2025 bands, and the EBITDA vs FCF versions VCs actually use.
The honest LTV:CAC formula, why the naive version overstates by 30-60%, and how fractional CFOs actually calculate it in 2026 with capped-LTV methodology.
A board-ready CFO dashboard needs 12 specific SaaS KPIs — no more, no less. We break down which metrics belong, which don't, and the 2025 benchmark for each.
The 14-slide structure fintech founders actually use to raise Series A through C, with slide-by-slide guidance on what goes on each, what doesn't, and what VCs look for.
Fraud and cyber ranked #1 and #2 on the CEO risk list for the first time in the Bank Director 2026 Risk Survey. What changed, what it means for the board, and an 8-item preparedness checklist.
SVB changed what counts as good on LCR. Moody's LatAm Banking Commentary 2025 found LCR above 125% is associated with 20-40 bps of funding-cost advantage. What changed, what the new targets are, and how to present liquidity to a post-SVB board.
CNBV Circular 14/2021 requires banks to monitor six behavioral patterns. Monitoring and operationalising are not the same thing. The five structural controls that close the gap, plus an internal audit checklist.
EBA Guidelines on AI Risk Management entered full effect in January 2026. What the five requirements are, how they translate to the LatAm regulatory context, and a 90-day implementation roadmap.