Paid on delivery
B2B customers often pay later. Without a delay the model shows cash you do not have.
Financial model template
Manufacturing financial model template
Production ties money up in equipment and raw materials long before the customer pays. The template buys materials in batches, leases equipment, runs worker shifts, depreciates machines and waits for customer payments with a delay.
The model answers
- What volume covers the lease and the shifts
- How long customer payment terms stretch your cash
- Whether leasing or buying equipment is better
What is inside the template
Each line is a block with plain fields. Change the numbers, delete blocks or add new ones.
- Product sales with a ramp-up to capacity
- Raw materials bought in batches
- Equipment on lease with a payment schedule
- Workers in shifts and engineers
- Depreciation of machines
- Customer payment delay
Numbers to watch
- Capacity utilization
- Output as a share of what the line can produce.
- Material cost per unit
- Usually the largest variable cost.
- Receivables
- Customers paying in 30–60 days means you finance their stock.
- Depreciation
- Lowers taxable profit but does not take cash.
Common mistakes in this kind of model
Equipment price without installation
Delivery, installation and commissioning add a noticeable share.
One shift at full capacity
Two shifts double output but need a second team.
AI assistant
Check the template against your market
Tell the assistant your city and format. It looks up prices, rent and salaries online, compares them with the template and proposes changes as cards with the effect on profit and cash. You decide what to apply.
Questions
How is leasing modeled?
The leasing block spreads the payments over the term and shows the total overpayment. You can compare it with buying via a loan.
Can I account for customer payment terms?
Yes. The deferred payment block shifts revenue in cash flow by the number of days you set.
Related reading
Cash flow gap: how to spot it before it happens
What a cash flow gap is, the typical causes (stock, payment terms, seasonality, loans), how to find it in a monthly forecast and six ways to close it.
A financial model for investors: what they look for
What investors look for in a startup or small business financial model: assumptions, unit economics, runway, use of funds, scenarios and a clear summary. A checklist before the meeting.
Similar templates
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