Create a Financial Model Template

Create a financial model structure and key assumptions framework for the following business:

Business type: [SaaS / e-commerce / marketplace / services / hardware]
Stage: [pre-revenue / early revenue / growth]
Forecast period: [12 months / 3 years]
Purpose: [internal planning / investor presentation / board reporting]

Provide:

1. Revenue model structure:
   - How to model the primary revenue stream with key drivers
   - Assumptions to define (e.g. MRR growth rate, churn, ARPU, conversion rates)
   - Formula logic in plain English

2. Cost structure:
   - COGS breakdown
   - Operating expense categories and how to model each
   - Headcount plan: how to model hiring

3. Key metrics to include: [e.g. MRR, ARR, CAC, LTV, gross margin, burn rate, runway]

4. Three scenarios: base / optimistic / pessimistic — what assumptions change in each

5. Cash flow considerations: when cash comes in vs. when it's earned

6. The 5 assumptions that most change the outcome — sensitivity analysis guidance

Format as a spreadsheet outline with tab names and column structure.