Biz Models.
Every model free to download and use

Use the model. Measure it against reality. Improve your chances to win.

Biz Models are financial models and tools you use yourself — in plain language, with the instructions first, a worked example you can check, and one number that matters. No jargon. No price tag. Just a clear view of your money, so you can make a better decision.

Browse the free models How the method works

Every Biz Model follows the same pattern

  • 1Instructions firstThe first page teaches you before a single number appears.
  • 2Your languageRent, repairs, agent fees — the words you already use, not accountant-speak.
  • 3A worked exampleReal numbers, clearly labelled as an example, so you can see it working.
  • 4One number that mattersNot a dashboard of noise — the one figure that tells you where you stand.

For Landlords

Know what your rent really leaves you

Rent comes in. Costs go out — in a landlord's language. These tools keep your tax money separate and untouched, so the number you can actually spend is never a guess.

A street of UK terraced houses with a To Let sign
Free · Excel

Cash Book — Landlord Edition

Rent in, costs out, in the words you use: mortgage interest, repairs, agent commissions, gas checks, accountancy fees, gardening. Your tax reserve sits in its own pot, separate from your spending money.

The one number
Safe to Spend
Worked example — 2 flats
Closing bank balance
£5,618.10
Tax reserve (kept separate)
£1,900.00
Bills still to go out
£1,259.40
Safe to spend
£2,458.70
View product page → Download free (Excel)
Free · Excel

Four Costs Check

See your spending four ways, and find the cost you were not tracking. Sort yours once, and you stop losing money to costs you recorded in the wrong place.

OpEx — daily costs. CapEx — the property and the refurb: record it and claim it against CGT. RevEx — the true cost of each let: voids, relets, tenant-find fees. FinEx — the cost of the money: mortgage interest.

The one number
The Cost You Were Not Tracking
View product page → Download free (Excel)

Try the idea — Safe to Spend

This is the Cash Book's one number, live. Change the figures and watch what is genuinely yours to spend.

Safe to spend £2,458.70

For Hotels

Your rooms × your rate = your budget

Tell the model how many rooms you have, what you charge, and how full you expect to be. It builds your budget for the year — then, month by month, you compare the budget with what actually happened.

A small modern hotel at dusk with its lights on
Free · Excel

Hotel Budget

X rooms at Y rate × occupancy builds the budget: twelve months of revenue, costs and profit. Each month you enter the actuals beside the budget, and write why it moved next to every gap — that explanation is where the learning lives. Benchmarks are built in, so you can see your numbers against the market, not just against your own plan.

The one number
Break-Even Occupancy
Worked example — 30 rooms at £95
Annual revenue
£889,223
Annual profit
£343,906
Break-even occupancy
53.8%
View product page → Download free (Excel)

Try the idea — break-even occupancy

Below this occupancy, the hotel loses money. Above it, every extra room-night is mostly profit.

Break-even occupancy —

A simplified first look — fixed costs only. The Hotel Budget workbook also counts the variable cost of every room-night sold, which is why its worked example above breaks even higher, at 53.8%.

Raising Capital

You need capital. They need a plan.

A lender or investor will not hand over money on a conversation. They ask for a business plan and numbers that hold up. This trio helps you walk in ready — your plan, your forecast, and your pitch, all telling the same story.

People working on a business plan around a table with a laptop
Free · Word

Business Plan Template

A Word template that walks you through the plan a lender expects — six sections, each with what the reader is looking for and guided prompts. One rule throughout: every number must match your financial model.

The one number
The Ask
Example — same story as the model
The ask
£25,000
Year-1 revenue (Base)
£53,984
Break-even
Month 11
View product page → Download free (Word)
Free · Excel

Financial Forecast Model

A 36-month forecast in Low, Base and High scenarios, with a funding test — so weak numbers get found before the lender finds them, and the model tells the truth.

The one number
Months of Runway
Example — small services startup
Year-1 revenue (Base)
£53,984
Lowest cash (Month 10)
£19,079
Break-even
Month 11
View product page → Download free (Excel)
Free · PowerPoint

Pitch Deck Template

Nine slides that tell your story in the order an investor listens — prompts on every slide and speaker notes on what the investor is looking for. Its Numbers slide uses the same example as the Forecast Model.

The one number
The Ask
Example — same numbers as the model
The ask
£25,000
Year-1 revenue (Base)
£53,984
Break-even
Month 11
View product page → Download free (PowerPoint)

Small Business

Know your cash position, every week

The same Cash Book, in general business language. Money in, money out, your tax reserve kept separate and untouchable — so a good month never turns into a bad surprise at tax time.

Inside a small independent coffee shop

The method: measure the model against reality

A model nobody measures is a wish. A model measured is a teacher. This is the loop every Biz Model is built for.

1

Use the model

Fill it in with your real numbers. The model shows what should happen — your plan, in figures.

2

Measure it against reality

Compare budget with actual. Every gap gets a short written explanation beside the number — the explanation is where the learning lives.

3

Benchmark it

Your number, the benchmark, the gap. See how far you are from where the best in your market are — that gap is your opportunity and your target.

4

Improve your chances to win

Correct the model, correct the action, go again. Clearer sight, better decisions, fewer surprises.

A model improves your chances. It never guarantees the win.

How help works

The tools are free and they stay free. If you ever need a human, here is the honest route — in order.

Step 1 · Free

Talk

Sometimes you just need to talk. A free 15-minute talk — listening first, so we can name the real need together. Advice itself lives inside an engagement; the talk is the door, not the work.

Step 2 · Free

Do it yourself

Download the model and use it. Instructions first, a worked example, your language. Most people find this is all they need.