{"id":3785,"date":"2026-07-06T17:12:42","date_gmt":"2026-07-06T14:12:42","guid":{"rendered":"https:\/\/edilo.com.ua\/blog\/what-is-a-financial-model-and-why-do-you-need-it-not-just-investors\/"},"modified":"2026-07-14T10:40:38","modified_gmt":"2026-07-14T07:40:38","slug":"what-is-a-financial-model-and-why-do-you-need-it-not-just-investors","status":"publish","type":"post","link":"https:\/\/edilo.com.ua\/en\/blog\/what-is-a-financial-model-and-why-do-you-need-it-not-just-investors\/","title":{"rendered":"What Is a Financial Model\u2014and Why Do You Need It, Not Just Investors?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><em>About a tool that business owners most often underestimate\u2014and most regret not having had sooner<\/em><\/p>\n\n<p class=\"wp-block-paragraph\">There\u2019s a question I ask business owners during our first meetings: \u201cWhat will happen to your business if sales drop by 25% next quarter?\u201d Most people pause for a second\u2014and then start talking. More or less. Generally speaking. \u201cWell, it\u2019ll be tough, but we\u2019ll manage.\u201d   <\/p>\n\n<p class=\"wp-block-paragraph\">A few people respond immediately and specifically: \u201cWe have a model. I can say that with a 25% drop, we\u2019ll start running a deficit in the third month, but our cash reserves will cover us for another two months\u2014so we have five months to respond.\u201d<\/p>\n\n<p class=\"wp-block-paragraph\">The difference between the first and second answers isn\u2019t a difference in experience or intuition. It\u2019s the difference between managing \u201cby feel\u201d and managing \u201cby the numbers.\u201d And the tool that makes this difference is called a financial model.  <\/p>\n<div id=\"blockquote-block_64b4cc6fbecf6569a2b4a064b25ee3f4\" class=\"blockquote\">\r\n    <blockquote>\r\n        <p><em>A financial model isn&#8217;t a document for investors. It&#8217;s a decision-making simulator for business owners. It&#8217;s a tool that lets you ask, &#8220;What if&#8230;?&#8221;\u2014and get an answer in numbers, not just a gut feeling.  <\/em><\/p>\n    <\/blockquote>\r\n    <\/div>\t<section class=\"cta-banner\">\n\t\t<div class=\"container\">\n\t\t\t<div class=\"wrapper\">\n\t\t\t\t<div class=\"cta-banner__content\">\n\t\t\t\t\t<h2 class=\"h3\">\u041e\u043f\u043b\u0430\u0442\u0430 \u0447\u0430\u0441\u0442\u0438\u043d\u0430\u043c\u0438 \u0434\u043b\u044f \u0412\u0430\u0448\u043e\u0433\u043e \u0431\u0456\u0437\u043d\u0435\u0441\u0443<\/h2>\n\t\t\t\t\t<button data-modal=\"modal_supplier\" class=\"button button--turquoise modal-button\">\u041f\u0456\u0434\u043a\u043b\u044e\u0447\u0438\u0442\u0438 \u0441\u0435\u0440\u0432\u0456\u0441<\/button>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"modal modal--supplier\" id=\"modal_supplier\" aria-hidden=\"true\">\n\t\t\t<div class=\"modal__overlay\" tabindex=\"-1\" data-micromodal-close>\n\t\t\t\t<div class=\"modal__container 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            mutations.forEach( ( mutation ) => {                    if ( mutation.type === 'attributes' && visibilityTestDiv.offsetParent !== null ) {                        debouncedTriggerPostRender();                        observer.disconnect();                    }                });            });            observer.observe( document.body, {                attributes: true,                childList: false,                subtree: true,                attributeFilter: [ 'style', 'class' ],            });        } else {            triggerPostRender();        }    } );} );\n<\/script>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/section>\n\n<h2 class=\"wp-block-heading\"><strong>What Exactly Is a Financial Model?<\/strong><\/h2>\n\n<p class=\"wp-block-paragraph\">When most people hear \u201cbusiness model,\u201d they picture a complex Excel spreadsheet with thousands of rows, created by investment bankers in preparation for an IPO. Or a polished document that a startup includes in its pitch deck. <\/p>\n\n<p class=\"wp-block-paragraph\">In reality, a financial model for a small or medium-sized business owner is a much simpler\u2014and at the same time, much more practical\u2014thing. It\u2019s a structured set of calculations\u2014most often in Excel or Google Sheets\u2014that links three things: your assumptions about the business, the financial results of those assumptions, and the flow of actual money. <\/p>\n\n<p class=\"wp-block-paragraph\">The key word here is \u201clinks.\u201d A good model is designed so that when you change one assumption\u2014for example, the average check or the number of new customers per month\u2014all calculations are automatically updated. You can immediately see how this affects your profit, when a cash shortfall will occur, and how much money you\u2019ll actually have left at the end of the quarter.  <\/p>\n\n<p class=\"wp-block-paragraph\">That is the essence of it: not a static account of the past, but a living tool for reflecting on the future.<\/p>\n\n<h2 class=\"wp-block-heading\"><strong>What&#8217;s Inside the Model<\/strong><\/h2>\n\n<p class=\"wp-block-paragraph\">A typical model for a business owner consists of several interconnected components. Each one addresses a specific question. <\/p>\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"584\" src=\"https:\/\/edilo.com.ua\/wp-content\/uploads\/2026\/07\/shho-take-finansova-model-5-1024x584.jpg\" alt=\"\" class=\"wp-image-3774\" srcset=\"https:\/\/edilo.com.ua\/wp-content\/uploads\/2026\/07\/shho-take-finansova-model-5-1024x584.jpg 1024w, https:\/\/edilo.com.ua\/wp-content\/uploads\/2026\/07\/shho-take-finansova-model-5-300x171.jpg 300w, https:\/\/edilo.com.ua\/wp-content\/uploads\/2026\/07\/shho-take-finansova-model-5-768x438.jpg 768w, https:\/\/edilo.com.ua\/wp-content\/uploads\/2026\/07\/shho-take-finansova-model-5-1536x877.jpg 1536w, https:\/\/edilo.com.ua\/wp-content\/uploads\/2026\/07\/shho-take-finansova-model-5.jpg 1861w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n<h2 class=\"wp-block-heading\"><strong>Assumptions \u2014 the starting point for everything<\/strong><\/h2>\n\n<p class=\"wp-block-paragraph\">This is the only sheet where you enter numbers manually. Everything else is calculated automatically. This includes: how many customers you expect each month, the average check, the conversion rate from leads to deals, seasonality, salaries, rent, marketing expenses, and the exchange rate\u2014if it\u2019s critical for you.  <\/p>\n\n<p class=\"wp-block-paragraph\">The more accurate your assumptions are, the more useful the model is. But even \u201crough\u201d assumptions based on the company\u2019s actual history are incomparably more valuable than having no forecast at all. <\/p>\n\n<h2 class=\"wp-block-heading\"><strong>Revenue Section \u2014 Where the Money Comes From<\/strong><\/h2>\n\n<p class=\"wp-block-paragraph\">Based on your assumptions, the model calculates revenue: by month, by product or business line, and by sales channel. It\u2019s important to factor in realistic seasonality right from the start\u2014because \u201csteady monthly growth\u201d almost never reflects real-world business conditions. <\/p>\n\n<h2 class=\"wp-block-heading\"><strong>Expense Categories \u2014 Where the Money Goes<\/strong><\/h2>\n\n<p class=\"wp-block-paragraph\">Expenses are divided into variable costs\u2014those that increase along with revenue (cost of goods sold, logistics, commissions)\u2014and fixed costs, which remain constant regardless of volume (rent, administrative staff, basic marketing). This distinction makes it possible to calculate the break-even point and understand where the business begins to turn a profit and where it is merely covering its costs. <\/p>\n\n<h2 class=\"wp-block-heading\"><strong>Three financial statements\u2014the heart of the model<\/strong><\/h2>\n\n<p class=\"wp-block-paragraph\">Based on income and expenses, the model generates three interrelated reports. All three are important\u2014each provides a different \u201cperspective\u201d on reality: <\/p>\n\n<ul class=\"wp-block-list\">\n<li>P&amp;L (profit and loss statement) \u2014 shows how much you earned after all expenses. It reveals profit margins, profit trends, and where the business is generating or \u201ceating up\u201d money. <\/li>\n\n\n\n<li>Cash flow \u2014 the movement of actual money in an account. This is fundamentally different from the P&amp;L: a business can show a profit on the P&amp;L and yet have a zero balance in its account\u2014due to deferred payments or a large inventory of goods. Cash flow shows exactly when \u201ccash shortfalls\u201d will occur and how severe they will be.  <\/li>\n\n\n\n<li>A balance sheet shows what a business owns (assets) and what it owes (liabilities). For most SME owners, it is less critical for day-to-day management, but becomes essential when dealing with a bank or an investor. <\/li>\n<\/ul>\n\n<h2 class=\"wp-block-heading\"><strong>Scenarios \u2014 answers to &#8220;what if&#8221; questions<\/strong><\/h2>\n\n<p class=\"wp-block-paragraph\">The most valuable part of the model isn\u2019t the baseline forecast, but the scenario analysis. At least three scenarios: baseline (realistic expectations), optimistic (if things go better than planned), and pessimistic (if sales drop, costs rise, or payments are delayed). <\/p>\n\n<p class=\"wp-block-paragraph\">An owner who has \u201crun through\u201d the pessimistic scenario in the model once and seen exactly which month the money will run out approaches management decisions in a completely different way. This is no longer a theoretical discussion of risks, but a specific date and a specific amount. <\/p>\n\n<h2 class=\"wp-block-heading\"><strong>How to Build a Model: From Scratch to a Working Tool<\/strong><\/h2>\n\n<p class=\"wp-block-paragraph\">There\u2019s good news and bad news here. The bad news: You can\u2019t build a \u201cperfect\u201d model in a single evening. The good news: It\u2019s entirely possible to build a \u201cgood enough\u201d one in a few days, and it will give you 80% of the value.  <\/p>\n\n<p class=\"wp-block-paragraph\">Here&#8217;s a sequence that actually works:<\/p>\n\n<ol class=\"wp-block-list\">\n<li>Determine why you need the model. Before opening Excel, ask yourself: What questions should this model answer? \u201cCan we afford to hire five new people?\u201d \u201cWhen will we break even in this new business line?\u201d \u201cHow much can we safely pay ourselves in dividends?\u201d The more specific the goal, the simpler and more accurate the model will be.  <\/li>\n\n\n\n<li>Compile actual historical data. At least 6\u201312 months of actual figures: revenue by month and product, major expense categories, payroll, rent, and loans. Don\u2019t use \u201capproximations\u201d\u2014use actual financial records. This is the foundation for realistic assumptions\u2014not numbers \u201coff the top of your head.\u201d   <\/li>\n\n\n\n<li>Identify the key drivers. This is the model\u2019s main analytical task: to understand what your revenue depends on. The number of new customers per month? The conversion rate from leads? The average order value? The frequency of repeat purchases? Every business has its own drivers\u2014but they\u2019re what drive the entire model.      <\/li>\n\n\n\n<li>Build a revenue model. Use the drivers to calculate monthly revenue. Break it down by product or business segment if they differ significantly in terms of margin.  <\/li>\n\n\n\n<li>Create a cost structure. For each cost item, establish a clear calculation rule: either a percentage of revenue or a fixed amount with a schedule of changes. Don\u2019t leave any cost item to \u201cgut feeling.\u201d  <\/li>\n\n\n\n<li>Link the three reports. The P&amp;L is derived from revenue and expenses. The cash flow statement is derived from the P&amp;L, taking into account actual payment terms\u2014because an invoice issued and money in the account are two different things. The balance sheet ties it all together.   <\/li>\n\n\n\n<li>Add three scenarios: base, optimistic, and pessimistic. Minimum validation: when one assumption is changed, the entire model is recalculated without manual adjustments.  <\/li>\n<\/ol>\n<div id=\"blockquote-block_2e7b5ad603b7fbc47b7b1082a03b7ebf\" class=\"blockquote\">\r\n    <blockquote>\r\n        <p><em>The most common mistake when building a model is trying to make it \u201cperfect\u201d right away. As a result, people spend three weeks on the architecture, get lost in the formulas, and give up. Start simple: 10\u201315 lines of income and expenses for 12 months. That\u2019s better than nothing\u2014and much better than \u201clet\u2019s start next month.\u201d   <\/em><\/p>\n    <\/blockquote>\r\n    <\/div>\t<section class=\"cta-banner cta-banner--invert\">\n\t\t<div class=\"container\">\n\t\t\t<div class=\"wrapper\">\n\t\t\t\t<div class=\"cta-banner__content\">\n\t\t\t\t\t<h2 class=\"h3\">\u041a\u0443\u043f\u0443\u0439\u0442\u0435 \u0437\u0430\u0440\u0430\u0437 \u2013 \u0441\u043f\u043b\u0430\u0447\u0443\u0439\u0442\u0435 \u043f\u043e\u0442\u0456\u043c<\/h2>\n\t\t\t\t\t<button data-modal=\"modal_buyer\" class=\"button button--turquoise modal-button\">\u0417\u0430\u043b\u0438\u0448\u0438\u0442\u0438 \u0437\u0430\u044f\u0432\u043a\u0443<\/button>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"modal modal--buyer\" id=\"modal_buyer\" aria-hidden=\"true\">\n\t\t\t<div class=\"modal__overlay\" tabindex=\"-1\" data-micromodal-close>\n\t\t\t\t<div class=\"modal__container container\" aria-modal=\"true\">\n\t\t\t\t\t<div class=\"modal__wrapper\">\n\t\t\t\t\t\t<div class=\"modal__head\">\n\t\t\t\t\t\t\t<div class=\"modal__text\">\n\t\t\t\t\t\t\t\t<div class=\"h2 modal__title\">\u0417\u0430\u043f\u043e\u0432\u043d\u0456\u0442\u044c \u0444\u043e\u0440\u043c\u0443 \u0456 \u043c\u0438 \u0437\u0432\u02bc\u044f\u0436\u0435\u043c\u043e\u0441\u044f \u0437 \u0412\u0430\u043c\u0438!<\/div>\n\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t<button class=\"modal__close\" aria-label=\"Close\" data-micromodal-close\n\t\t\t\t\t\t\t\ttitle=\"Hide\"><\/button>\n\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t<div class=\"modal__body\">\n\t\t\t\t\t\t\t<div class=\"callback__form\">\n\t\t\t\t\t\t\t\t\n<form class=\"typical-form\"\n      data-required-text=\"This is a required field\"\n      data-ok-text=\"The field is filled in correctly\"\n      data-success-text=\"Your application has been sent successfully.\"\n      data-error-generic-text=\"An error occurred while creating the application.\"\n      data-error-text=\"This is a required field\"\n      data-success-ui-text=\"Thank you! 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(' ' + err.message) : '';\n            window.alert(messages.sendFailGeneric + msg);\n          })\n          .finally(function () {\n            setPendingState(formEl, false);\n          });\n      }, { passive: false });\n    });\n  }\n\n  \/\/ Initialize on DOM ready\n  if (document.readyState === 'loading') {\n    document.addEventListener('DOMContentLoaded', bindForms, { passive: true });\n  } else {\n    bindForms();\n  }\n})();\n<\/script>\n\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/section>\n\n<h2 class=\"wp-block-heading\"><strong>Three Different Models: Why You Shouldn&#8217;t Confuse Them<\/strong><\/h2>\n\n<p class=\"wp-block-paragraph\">When discussing financial models, people often confuse three different concepts. They are related, but they address fundamentally different questions. <\/p>\n\n<p class=\"wp-block-paragraph\">The owner&#8217;s model focuses on how much and when the business actually generates income for the owner personally: when it is safe to pay dividends, what the personal financial risk is under various scenarios, and whether the business can cover its obligations even in a bad month.<\/p>\n\n<p class=\"wp-block-paragraph\">A business operating model is a tool for managing a company: budget planning, margin assessment by business line, monitoring plan execution, and planning for hiring and resources.<\/p>\n\n<p class=\"wp-block-paragraph\">The investor model is a separate version that shows not \u201chow a business makes money,\u201d but \u201chow attractive it is to invest in it\u201d: company valuation, exit projections, internal rate of return (IRR), and multiples.<\/p>\n\n<p class=\"wp-block-paragraph\">These three models can be built using the same input data\u2014but their focus, time horizons, and key metrics differ significantly.<\/p>\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><\/td><td><strong>Owner Model<\/strong><\/td><td><strong>Operating Model<\/strong><\/td><td><strong>Investor Model<\/strong><\/td><\/tr><tr><td>The Main Question<\/td><td>How much money will I personally receive, and when?<\/td><td>How to Plan and Manage a Company?<\/td><td>Is it a good investment, and when will I get my money back?<\/td><\/tr><tr><td>Horizon<\/td><td>1\u20133 years, broken down by month<\/td><td>1 year in detail + 1\u20132 years in aggregate<\/td><td>3\u20137 years, until release<\/td><\/tr><tr><td>Key Metrics<\/td><td>Cash in the account, dividends, debt repayment<\/td><td>Revenue, Margin, Profit, Break-Even Point<\/td><td>Valuation, IRR, multiples, funding rounds<\/td><\/tr><tr><td>Scenarios<\/td><td>Stress Tests: What If Sales Drop or Costs Rise?<\/td><td>Seasonality, Operational Risks, Budget<\/td><td>Base \/ upside \/ downside, IRR sensitivity<\/td><\/tr><tr><td>Format<\/td><td>A &#8220;Living&#8221; Excel\/Sheets That the Owner Really Understands<\/td><td>Detailed Budget Model<\/td><td>&#8220;Investor-grade&#8221; with a table of contents and scenarios<\/td><\/tr><\/tbody><\/table><\/figure>\n\n<p class=\"wp-block-paragraph\">Practical tip: Start by building a model that works for you\u2014one that you understand and actually use. Once you have a working model, it\u2019s much easier to create a version for an investor or a bank based on it than to try to build an \u201cinvestor-grade\u201d document from scratch right away. <\/p>\n\n<h2 class=\"wp-block-heading\"><strong>A Special Note on Wartime: Why Modeling Is More Important Now Than Ever<\/strong><\/h2>\n\n<p class=\"wp-block-paragraph\">It\u2019s tempting to think that building a financial model in the face of uncertainty is pointless. \u201cYou don\u2019t know anything anyway. Anything could happen tomorrow.\u201d <\/p>\n\n<p class=\"wp-block-paragraph\">In fact, the opposite is true. It is precisely in times of uncertainty that a model becomes the most valuable tool. <\/p>\n\n<p class=\"wp-block-paragraph\">Here\u2019s why. When the future is unpredictable, you can\u2019t plan for just one scenario and assume it will come true. But you can develop three: an optimistic one, a realistic one, and one where everything goes wrong. And for each one, you need to understand: in which month will your money run out, where the \u201cpoint of no return\u201d is, and what you need to do right now to weather the worst-case scenario.   <\/p>\n\n<p class=\"wp-block-paragraph\">Companies that have weathered the crises of recent years with the fewest losses have almost always had one thing in common: they knew their numbers. Not roughly\u2014but precisely. And that\u2019s why they were able to make decisions quickly, without panicking, because they understood how much time and resources they had.  <\/p>\n\n<p class=\"wp-block-paragraph\">Here\u2019s another important point. Ukraine currently has real access to external financing\u2014grants, international support programs, and investors interested in Ukrainian companies. But any external resource flows to places where there is transparency and where the owner speaks the language of numbers. A financial model isn\u2019t just an internal tool\u2014it\u2019s your ticket to the conversation about funding.    <\/p>\n<div id=\"blockquote-block_2a8841754ba64ceb02b636ad6c9f1326\" class=\"blockquote\">\r\n    <blockquote>\r\n        <p><em>The question \u201cWhy do I need a model if I don\u2019t know what\u2019s going to happen anyway?\u201d is like asking, \u201cWhy do I need a map if the road might change?\u201d It\u2019s precisely because it might change that you need a map. So you know where you are now and where you can go if your current path is blocked.  <\/em><\/p>\n    <\/blockquote>\r\n    <\/div>\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"584\" src=\"https:\/\/edilo.com.ua\/wp-content\/uploads\/2026\/07\/shho-take-finansova-model-3-1024x584.jpg\" alt=\"\" class=\"wp-image-3772\" srcset=\"https:\/\/edilo.com.ua\/wp-content\/uploads\/2026\/07\/shho-take-finansova-model-3-1024x584.jpg 1024w, https:\/\/edilo.com.ua\/wp-content\/uploads\/2026\/07\/shho-take-finansova-model-3-300x171.jpg 300w, https:\/\/edilo.com.ua\/wp-content\/uploads\/2026\/07\/shho-take-finansova-model-3-768x438.jpg 768w, https:\/\/edilo.com.ua\/wp-content\/uploads\/2026\/07\/shho-take-finansova-model-3-1536x877.jpg 1536w, https:\/\/edilo.com.ua\/wp-content\/uploads\/2026\/07\/shho-take-finansova-model-3.jpg 1861w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n<h2 class=\"wp-block-heading\"><strong>A Few Practical Tips to Wrap Things Up<\/strong><\/h2>\n\n<p class=\"wp-block-paragraph\">First and foremost: start simple. A model with 10\u201315 lines of revenue and expenses for the next 12 months is already a model. It already provides answers you don\u2019t have right now. Don\u2019t wait for the \u201cright moment\u201d or \u201cmore time\u201d\u2014they won\u2019t come. Start now with what you have.    <\/p>\n\n<p class=\"wp-block-paragraph\">Tip #2: In your model, separate the sheet with assumptions from the sheets with calculations. This is a technical detail, but it\u2019s crucial. If all the numbers are mixed in with the formulas, in a month you won\u2019t even understand what\u2019s going on there.  <\/p>\n\n<p class=\"wp-block-paragraph\">Third: Be sure to track cash flow separately from the P&amp;L. The most common mistake is to assume that the profit shown on the P&amp;L equals the cash in the account. These figures can differ drastically, and it is cash flow that reveals where the real risks lie.  <\/p>\n\n<p class=\"wp-block-paragraph\">Fourth: Update the model. Not just once a year\u2014but every month. Enter the actual figures and compare them with the plan. Over time, your assumptions will become more accurate\u2014and the model will become more accurate. This is an iterative process, not a one-time exercise.    <\/p>\n\n<p class=\"wp-block-paragraph\">Fifth: If you plan to talk to a bank or an investor, do so only after you have your own business model. Not before. Because an owner who understands their numbers talks to financial partners in a completely different way\u2014and gets completely different terms.  <\/p>\n","protected":false},"excerpt":{"rendered":"<p>About a tool that business owners most often underestimate\u2014and most regret not having had sooner There\u2019s a question I ask business owners during our first meetings: \u201cWhat will happen to your business if sales drop by 25% next quarter?\u201d Most people pause for a second\u2014and then start talking. More or less. Generally speaking. \u201cWell, it\u2019ll [&hellip;]<\/p>\n","protected":false},"author":26,"featured_media":3771,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[269],"tags":[],"class_list":["post-3785","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business-2"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>What Is a Financial Model\u2014and Why Do You Need It, Not Just Investors?<\/title>\n<meta name=\"description\" content=\"About a tool that business owners most often underestimate\u2014and most regret not having had sooner\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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