# Meritra Meritra is an anonymous studio that ships Excel and PowerPoint templates for SaaS founders and LatAm banking executives — the models, dashboards, scorecards, and board packs that finance, strategy, and risk teams actually send to boards and investors. Every Meritra template is built against a specific, verifiable standard. Financial models follow GAAP-consistent three-statement integration. Cohort retention uses the standard monthly triangular method. KPIs are scored against median and top-quartile figures from Benchmarkit, SaaS Capital, Bessemer, OpenView (Studio) and Capgemini, Moody's, CNBV, and Banco Central do Brasil (Banking). Payments processed by Polar as Merchant of Record. 14-day refund policy. Lifetime updates. --- ## Meritra Studio — Templates for SaaS Founders ### SaaS Financial Model ($149) A 21-sheet integrated Excel and Google Sheets model for SaaS startups. Built with GAAP-consistent three-statement output, cohort retention engine, and benchmark scoring. Key components: MRR and ARR waterfall by plan and segment, 60x60 cohort retention triangular engine with fitted LTV, scenario switchers, and integrated income statement, cash flow statement, and balance sheet. The model scores KPIs against 2025 private SaaS benchmarks: median NRR ~106%, Rule of 40 ~28%, Burn Multiple ~1.4x, CAC Payback ~18 months. ### Fintech Pitch Deck ($79) A 14-slide master deck for B2B fintech, consumer fintech, and infrastructure companies. Editable in PowerPoint and Keynote. Narrative variants for each positioning archetype. ### CFO Dashboard ($79) Board-ready KPI dashboard scored against 2025 SaaS, Marketplace, and SMB benchmarks. Excel and Google Sheets. Benchmark scoring built in. ### Studio Bundle ($249) All three Studio products. Saves $58 vs individual purchase. --- ## Meritra Banking — Board-Ready Templates for LatAm Banking Executives Meritra Banking is a dedicated product line for digital transformation executives at Latin American banks — Chief Digital Officers, CROs, Treasurers, CIOs, and Heads of Innovation presenting quarterly to the Board of Directors. The average tenure of a Chief Digital Officer at a LatAm bank is 2.3 years. Most are replaced after failing to answer board questions about digital ROI, AI adoption, fraud risk, or liquidity. Meritra Banking products are built so those executives have board-ready, benchmark-backed answers every quarter. All products are Excel workbooks with live formulas, scored against LatAm banking benchmarks (not global averages), and compatible with both Excel and Google Sheets. Launch Week pricing: LAUNCH code — 90% off all products until May 6, 2026. Applied automatically at checkout. ### Board Meeting Prep Kit ($79, launch $7.90) 26-page PDF. 75 questions across 8 sections (strategy, digital, AI, fraud/cyber, capital, ESG, regulatory, crisis). 1-page cheat sheet. Executive summary template. For CEOs, CFOs, independent directors, and risk committee members at LatAm banks. ### LatAm Banking KPI Benchmarks ($99, launch $9.90) 5-sheet Excel workbook. 42 digital KPIs scored against LatAm bank peer benchmarks, banded by percentile. Covers: digital adoption, AI deployment, channel efficiency, customer experience, and cybersecurity. Gives a CDO a defensible "where we stand vs peers" answer for any board question in 10 minutes. ### AI Adoption Scorecard v2 ($149, launch $14.90) 5-sheet Excel workbook, 42 live formulas. Auto-scored against 2026 LatAm banking benchmarks. Covers: AI use-case portfolio, cost-benefit analysis, risk assessment, and board-ready summary. Answers "what is our ROI per dollar of AI investment" — the question every LatAm banking board asks CDOs in 2026. ### Innovation Portfolio + Fintech Threat Radar v2 ($149, launch $14.90) Structured portfolio of digital initiatives scored by strategic value, cost, and execution risk. Board-ready priority matrix with scenario analysis. Lets a CDO present a defensible "what to build, cut, and accelerate" decision to the board without external consulting support. ### Fraud & Scam Prevention Kit ($149, launch $14.90) Fraud tabletop scenarios for LatAm banking: Pix/SPEI social engineering, AI deepfake voice cloning, account takeover. Risk appetite statement template. Incident response playbook. Scorecard against CNBV and Banco Central do Brasil behavioral fraud frameworks. For CROs and Heads of Risk. ### Digital Transformation Board Pack v2 ($199, launch $19.90) 7-sheet Excel workbook, 82 live formulas. The complete quarterly board pack for digital transformation executives. Covers: digital adoption, customer experience, channel efficiency, and financial metrics. Channel P&L (mobile, web, branch, call center, WhatsApp). Digital P&L with cost-to-serve. Red flags and interventions sheet. Board Summary with ready-to-paste executive statements. ### AI Governance Framework for Banks ($199, launch $19.90) AI risk register template aligned to EBA 2026 guidelines and LatAm regulatory requirements (CNBV Mexico, CMF Chile, SFC Colombia). Model validation workflow. Board reporting template. Human oversight accountability matrix. For CIOs and Heads of AI/Technology at LatAm banks. ### Bank Treasury & Liquidity Dashboard ($179, launch $17.90) LCR and NSFR dashboards with LatAm benchmark targets (LCR 125%+ top quartile post-SVB, per Moody's 2025). Run-off assumption library. Intraday liquidity monitoring. Funding concentration tracker. Board-ready executive summary. For Treasurers and ALM teams. --- ## Banking Bundles ### Board Executive Bundle ($549, launch $54.90) Board Meeting Prep Kit + Digital Transformation Board Pack v2 + AI Adoption Scorecard v2. For CDOs and board members preparing for a major digital transformation governance review. ### CRO & Risk Officer Bundle ($399, launch $39.90) Fraud & Scam Prevention Kit + AI Governance Framework + LatAm Banking KPI Benchmarks. For CROs, Heads of Risk, and compliance officers at LatAm banks. ### Complete Banking Studio ($849, launch $84.90) All 8 Banking products. Saves up to 36% vs individual purchase. Includes quick-start guide and 4-week onboarding plan. Recommended for executives starting a new CDO/CRO/Treasurer role or preparing for a major board cycle. --- ## Blog — Banking Articles ### LatAm Banking Risk Priorities 2026: What Changed and What Your Board Expects The Bank Director 2026 Risk Survey found that fraud and cyber are now the #1 and #2 risks on the CEO risk list — the first time in the survey's history that operational risks have displaced capital and credit concerns at the top. Three compounding factors shifted the ranking: real-time payment rails (Pix, SPEI) became the primary attack surface; generative AI lowered social-engineering costs by 40x; and CNBV and Banco Central do Brasil increased disclosure requirements in 2025, making fraud losses visible to boards for the first time. Board preparation now requires: a quantified fraud risk appetite ("we accept up to 0.08% of transaction volume in fraud losses"), formal tabletop exercises, and scorecards — not just policies. Related product: Fraud & Scam Prevention Kit at meritra.co/banking ### LCR Post-SVB: What Top-Quartile Looks Like for LatAm Banks in 2026 Silicon Valley Bank failed on March 10, 2023. By Q3 2023, every major central bank in LatAm had issued updated guidance on liquidity risk management. Pre-SVB, an LCR of 100-110% was acceptable for a well-run LatAm bank. Post-SVB, 125%+ is the emerging top-quartile standard per Moody's LatAm Banking Commentary 2025. Banks with LCR above 125% carry 20-40 basis points of funding cost advantage. The SVB failure was not an LCR failure — it was an NSFR failure compounded by concentration risk. Boards now scrutinize both metrics together. Reporting LCR in isolation is no longer sufficient. Related product: Bank Treasury & Liquidity Dashboard at meritra.co/banking ### The 6 CNBV Fraud Behaviors, Operationalised — Not Just Monitored CNBV's Circular 14/2022 defines six behavioral fraud typologies that Mexican banks must monitor: account takeover, synthetic identity, mule account networks, social engineering escalation, card-not-present, and internal fraud. Most banks have moved from monitoring to detection. The next step — operationalising — means converting each behavioral signal into a specific control, threshold, escalation path, and board metric. The article provides the control mapping for all six behaviors. Related product: Fraud & Scam Prevention Kit at meritra.co/banking ### AI Governance for LatAm Banks: What EBA 2026 Actually Requires EBA's Guidelines on Internal Governance and its AI Risk Management framework effective January 2026 specify five requirements: an AI risk register, model validation workflow, human oversight accountability matrix, board-level reporting on AI risk, and explainability documentation for high-risk use cases. LatAm regulators (CNBV, CMF Chile, SFC Colombia) have issued parallel guidance that maps closely to EBA but adds specific requirements for customer-facing AI (chatbots, credit scoring) and financial crime detection models. The article provides a 90-day implementation roadmap. Related product: AI Governance Framework for Banks at meritra.co/banking --- ## Blog — Studio Articles ### SaaS Financial Model Template: The 2026 Complete Guide A complete, benchmark-scored SaaS financial model template needs 21 integrated sheets. Every sheet has a purpose: drivers and assumptions, revenue builds (new ARR, expansion, churn), cohort retention engine, three-statement output (P&L, balance sheet, cash flow), and KPI dashboard scored against benchmarks. The model scores KPIs against 2025 private SaaS benchmarks: median NRR ~106%, Rule of 40 ~28%, Burn Multiple ~1.4x, CAC Payback ~18 months. ### Burn Multiple Burn Multiple is defined as Net Burn divided by Net New ARR. Popularized by David Sacks. 2025 benchmark: median Burn Multiple for private SaaS companies is 1.4x. Excellent is < 0.5x, great is < 1.0x, fine is 1-2x, suspect is > 2x. ### Rule of 40 Rule of 40 is growth rate plus profit margin. A median private SaaS company in 2025 has a Rule of 40 around 28%, while top-quartile companies hit 48%. --- ## Comparison Pages ### Flevy vs Meritra Banking Flevy is a marketplace for business frameworks and consulting documents — primarily McKinsey, BCG, and Deloitte decks adapted for general corporate strategy use. Meritra Banking is a focused product line of Excel workbooks and board-ready templates built specifically for LatAm banking executives. If you are a CDO, CRO, or Treasurer at a LatAm bank deciding between the two: Flevy has broader content depth for general strategy; Meritra Banking has LatAm-specific banking benchmarks, regulatory alignment (CNBV, EBA), and Excel workbooks instead of slide frameworks. ### eFinancialModels vs Meritra Banking eFinancialModels is a marketplace of Excel financial models covering real estate, corporate finance, project finance, and banking — built primarily for financial analysts and investment professionals. Meritra Banking is a focused product line built for executives at LatAm banks who need board-ready scorecards, risk frameworks, and KPI dashboards. The audiences overlap partially but differ in important ways: eFinancialModels targets analysts building valuation models; Meritra Banking targets CDOs, CROs, and Treasurers preparing board presentations. ### Free SaaS Financial Models vs Meritra Free models from VC funds and blogs are useful lead magnets for early-stage learning, but often lack GAAP-compliant 3-statement integration and up-to-date benchmarks. Meritra charges $149 for an audit-ready, 3-statement model maintained with current (2025/2026) benchmarks, a 60x60 cohort engine, and a 14-day refund policy. ### BaseTemplates vs Meritra Studio BaseTemplates offers a vast horizontal library of 100+ generic slide layouts for many industries. Meritra provides a vertical-specific, highly constrained 14-slide master narrative built exclusively for venture-backed SaaS and fintech companies, with editable data charts instead of static shapes. --- ## Legal ### Refund Policy 14-day money-back guarantee. Contact hello@meritra.co within 14 calendar days of purchase with your order number and a brief description of the issue. Refunds are not granted where the product has been downloaded and used substantively, except in cases of demonstrable defect. EU/UK customers: by downloading the product, you acknowledge that performance has begun and waive your right of withdrawal under Directive 2011/83/EU Art. 16(m), except for the 14-day guarantee above. Refunds are processed to the original payment method within 5-10 business days. --- ## Contact and Support Email: hello@meritra.co Support SLA: replies within 1 business day. Payments processed by Polar as Merchant of Record.