Projected Financial Statement Builder in Nepal

Build lender-ready projections for Nepal: P&L, balance sheet, cash flow, ratios, DSCR/ICR. Works in Browser, export or print in one click.
✍ ₳uthored By - GP Sir on

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Projected Financial Statement Builder

If you prepare loan applications for MSMEs, agriculture firms, cooperatives, or startups in Nepal, you know the drill: banks want clean, defensible projections—P&L, Balance Sheet, Cash Flow, Ratios (DSCR, ICR, Current Ratio, D/E)—and they want them formatted clearly.

This post introduces a free, browser-based Projected Financial Statement Builder you can embed on a Blogger site. It takes user inputs (loan amount, interest rate, tenure, capital, sales, etc.) and instantly generates seven lender-friendly sheets with print/PDF support—no server, no spreadsheet add-ons.

Projected Financial Statement Builder in Nepal

Projected Financial Statement Builder in Nepal - 7 Sheets

Build lender-ready projections for Nepal: P&L, balance sheet, cash flow, ratios, DSCR/ICR. Works in browser, export or print in one click.

1) Entity & Loan Inputs

Small random ±0.3% each run
Random ±0.2% each run

2) Working Capital & Depreciation

What does the tool do?

  • Generates 7 sheets automatically

    1. Ratio Analysis (figures in NPR ’000)

    2. Projected Balance Sheet

    3. Projected Profit & Loss Account

    4. Projected Cash Flow Statement

    5. Depreciation Schedule (WDV with optional additions)

    6. Schedules (share capital, reserves, loans, WC)

    7. Details of Loan (installments, interest, closing outstanding)

  • Nepal context built-in

    • Tax presets: Company 25%, Small Industry 20%, Agriculture/Exempt 0% (plus custom).

    • Fiscal year labels in BS or AD (e.g., 2082/83 or 2025/26).

    • The working-capital cycle, which takes into account debtors, inventory, and creditors' days, can be customised for each business.

  • Lender-friendly ratios

    • DSCR (Debt Service Coverage), ICR (Interest Coverage), Cash Coverage, Current Ratio, D/E, Solvency—calculated straight from the generated tables and displayed with two decimals.

  • Small, controlled variability

    • Each run applies tiny random variations to growth and minor cost assumptions so outputs aren’t identical—even with the same inputs—while calculations remain internally consistent.

  • Print / Save to PDF

    • One click to print or save the full pack; each sheet is formatted to print on a new page.

How to use (step by step guide)

  1. Enter entity details: Name, Address, and Type (Company/Partnership/Proprietorship/Cooperative).

  2. Loan parameters: Loan amount, interest rate, tenure, repayment type (Equal Principal or EMI), installments per year.

  3. Business inputs: Capital, Year-1 Sales, growth range (e.g., 8–14%), gross margin, admin % of sales.

  4. Working capital cycle: Debtor/Inventory/Creditor days, and other current assets (% of sales).

  5. Depreciation: Enter opening asset values and optional capex (Y1/Y4/Y7).

  6. Fiscal years: Choose BS or AD and specify the first fiscal label (e.g., 2082/83).

  7. Generate: Click Generate Sheets to build all seven tables. Use Recalculate to refresh with slight variations.

  8. Print/PDF: Click Save as PDF / Print.

  9. Clear: The Clear button resets the page to start over.

What’s inside each sheet

1) Ratio Analysis (’000)

  • Sales, COGS, Gross Profit, Net Profit

  • DSCR (PAT + Depreciation + Interest) ÷ (Principal + Interest)

  • ICR (EBIT ÷ Interest), Cash Coverage ((EBIT + Depreciation) ÷ Interest)

  • Liquidity (Current Assets ÷ Current Liabilities), Leverage (Debt/Equity), Solvency (Equity/Debt)

  • Activity (Debtors/Creditors/Inventory times and days)

2) Balance Sheet

  • Capital, Reserves, Loans → Source of Funds

  • Fixed Assets, Working Capital → Application of Funds

  • Computes Working Capital from cash, debtors, inventory, other receivables minus current liabilities.

3) Profit & Loss

  • Sales, Direct Cost, Gross Income (A)

  • Admin & Finance costs, Profit before Depreciation & Tax (PBDT)

  • Depreciation, Tax, PAT and transfer to reserves.

4) Cash Flow

  • Operating cash flow (after WC movements)

  • Investing (capex) and Financing (drawdown, principal repayments)

  • Opening and closing cash balances.

5) Depreciation Schedule

  • Simple WDV for Building (5%), Furniture (25%), Machinery (15%) with optional additions.

6) Schedules

  • Share capital and reserves reconciliation; loans; stocks & receivables; cash & bank; current liabilities & provisions; revenue; expenses.

7) Details of Loan

  • Annual interest, principal, total installments, and closing outstanding.

Making it “bank-ready”

  • Keep Year-1 sales realistic for the capital base; use sensible growth (e.g., 8–14%).

  • Align Debtor/Inventory/Creditor days with sector norms; avoid extreme stock or receivables that crush operating cash.

  • Ensure DSCR ≥ 1.25× and ICR ≥ 1.5–2.0× across projection years.

  • If collateral is used, maintain LTV within lender policy.

  • Use the Recalculate button to test mild variations and stress your assumptions.

Disclaimer

This tool is for planning and education. Banking policies vary by lender and sector. For a live credit decision, always align assumptions and documentation with the bank’s latest checklist.

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