Profit and loss, cash flow and balance sheet, linked so that one changed assumption, a price, a hire, payment terms, a loan rate, moves all three. Nothing is typed into a projection cell: every line traces to a named driver on one assumptions tab.
Led by Muhammad Tayyab Shabbir: UCL, published textbook author, founder of Avvale, the London consultancy whose US practice is Business Plan Firm. Our team has produced $1B+ in funding documents for 500+ businesses across 30+ countries, including Shark Tank and Dragons' Den clients. What each of those figures counts.
Three fixed prices, agreed on the call before anything is built. Complexity decides which, not length: one product and one location is Essential; scenarios and debt service coverage is Standard; multiple locations or products, a debt schedule or a cap table is Premium. Every tier we sell is listed in one place: see every price we charge.
Every package is a fixed price agreed on your call. Not sure which fits? We will tell you straight. UK clients add VAT. Bundled with a business plan or pitch deck, it is built once and used in both.
Less than founders expect, but it has to be real. A number that does not exist yet is written down as a labeled assumption, not guessed.
Accounts or bookkeeping if trading. Pre-revenue, we start from drivers.
What you charge, what a customer costs to serve, how often they buy.
Rent, payroll, roles you will add and when, equipment or fit-out.
How much, debt or equity, and any rate, term or repayment structure.
If market sizing is still guesswork, that comes first: a model built on an invented market fails at the first question. That is what market research is for.
30 minutes with a senior consultant. We scope the model, agree who will read it, and quote a fixed price.
Your drivers go on the assumptions tab, we agree them, then the three linked statements are built on top.
Checked in-house, statements tied and nothing hard-coded, then walked through with you rather than emailed cold.
Adjustments until your lender or investor is satisfied. Most models land inside 3 to 7 days of the call.
One Excel workbook, yours to keep and edit.
| Tab | What is on it |
|---|---|
| Assumptions | Pricing, volumes, growth, margins, payroll, payment and funding terms |
| Profit & loss | Monthly in year one, annual to year five, with margins |
| Cash flow | Operating, investing, financing and closing cash |
| Balance sheet | Assets, liabilities and equity, tied to the other statements |
| Scenarios & DSCR | Base, upside, downside, and coverage against the loan requested |
| Break-even | The volume and month the business covers its costs |
| Format | Editable .xlsx, formulas intact, no hard-coded projections |
Scenarios and DSCR come in from Standard; a debt schedule or cap table is Premium. Revisions are one round on Essential and unlimited above it, because everything runs off one assumptions tab, most changes are a tab edit, not a rebuild.
The weaknesses we build against, because on the files we have worked on they are what revision rounds get spent fixing:
When your lender asked for a business plan. A model alone is a spreadsheet, not an application. If a written plan is what you were asked for, start at SBA loan business plans.
When the request was a feasibility study. That asks whether the project should happen at all, and is a larger deliverable at its own price: what SBA lenders expect it to cover, then feasibility studies.
When the audience is an immigration adjudicator. An E-2, EB-5 or L-1 filing is a separate deliverable with its own scope, and we build it as one: immigration business plans.
When you have not settled what you sell or charge. A model will faithfully calculate a fantasy. Do that thinking first, with the free starter kit if budget is tight.
When you want an operating model, not a funding model. This is built for a raise, not as a rolling 13-week cash tool or a reporting pack.
When your accountant's model already holds together. A rebuild wastes your money, bring it to the call and we will say if a review is the better answer.
You get the full editable Excel workbook, not a PDF. Formulas are intact, nothing is locked, and the assumptions tab is yours to change, so when a lender asks what happens at a lower price you can answer in the room.
It can stand alone: the workbook is complete on its own, and in the engagements we run plenty of models are commissioned by themselves. Whether yours also needs to sit inside a written plan depends on what your reader asked you for, and we settle that on the call. Paired with a business plan or pitch deck, we build it once and use it in both.
It is built to the standard we work to on the files we have worked on: linked three statements, debt service coverage against the loan requested, base, upside and downside scenarios, use of funds and break-even. DSCR and scenarios come in from Standard. If your lender has a required format, we build into theirs.
Usually 3 to 7 days from the strategy call, depending on complexity. One product and one location is at the fast end; multi-location, multi-product or a detailed debt schedule takes longer. The delay is rarely the build, it is waiting on your assumptions.
Essential includes one round. Standard and Premium are unlimited: when your lender or investor comes back with changes, we make them and re-issue. Because every figure runs off one assumptions tab, most requests are a tab edit rather than a rebuild.
Yes. Bring the terms quoted to you: amount, rate, term, any interest-only period and how repayments are structured. The model then services that debt properly instead of approximating it. Coverage sits in Standard; a full debt schedule or a cap table is Premium.
Package contents, revisions and the 3 to 7 day build window describe our own service, not a rule about what any lender or investor will accept. What this page says about how lenders and investors read a model, the standard we build to, the weaknesses revisions get spent on, and when a model is asked for on its own, reflects the engagements we run and the files we have worked on. It is not a published standard, and requirements differ by lender, investor, program and immigration category, so confirm what yours asks for before you rely on it. Reviewed 22 August 2026.
Tell us what you're raising for and we'll reply within one business day with next steps and a fixed quote. Prefer to talk? Book a free call instead.
info@avvale.co.uk
(315) 226-7205 · Mon to Fri, 9am to 6pm ET
Book a free 30-minute strategy call. We'll tell you exactly what you need and how fast we can build it. Plans start at $1,000: see the full price list.