3-Way Financial Models
Integrated P&L, balance sheet, and cash flow models that guarantee internal consistency across every financial statement. The gold standard for business planning, capital raising, and strategic decision-making.
Get a QuoteThe model that ties everything together
A three-way financial model integrates your profit and loss statement, balance sheet, and cash flow statement into a single dynamic framework. Change one assumption about revenue growth, and the model automatically recalculates your tax position, working capital requirements, debt balances, and ending cash position.
This is the standard that banks, investors, and boards expect. Without a three-way model, your financial projections are just disconnected spreadsheets that can hide errors, contradictions, and blind spots. With one, every number tells a consistent story.
We build three-way models for Australian businesses of any size — from SME growth planning to pre-capital raise financial packs to vendor due diligence models. Each model is built to best-practice standards with clear separation between inputs, calculations, and outputs.
What an integrated model gives you
Internal Consistency
Every change to revenue flows through to cash, debt, and equity automatically. No manual reconciliations between statements.
Scenario Ready
Swap assumptions and see the full P&L, balance sheet, and cash flow update instantly. Stress-test growth rates, margin changes, capital raises.
Investor Grade
Banks, investors, and boards expect a three-way model for any material decision. Having one signals financial rigour and professionalism.
Debt Covenant Tracking
Model loan covenants (gearing ratios, interest cover, DSCR) dynamically. See whether a deal will breach covenants before you sign.
Common use cases
- Businesses raising capital or seeking debt finance who need an integrated financial picture
- Acquisition targets preparing vendor due diligence with a professional financial model
- Growing SMEs that have outgrown single-statement forecasting and need balance sheet integration
- Companies with complex capital structures — multiple debt tranches, equity rounds, shareholder loans
- Boards and investors requiring quarterly rolling forecasts with variance reporting
Related articles
3-Way Financial Models for Business Decision-Making
Financial Modelling in Excel: The Complete Guide (2026)
Financial Modeling Best Practices: Build Robust Models
Financial Model Audit: Decision-Grade Review for SMEs and Investors
Capital Raising for SMEs: What Investors Look For
Need an integrated financial model?
We build three-way models that give you a single source of truth for your financial planning, capital raising, and board reporting.
Get a Quote