Financial Model Builder — 3-Statement Projection

Build a 3-statement financial model for [company/scenario].

**Inputs needed:**
- Revenue: [current revenue], growth rate [X%], pricing model [subscription/transactional/hybrid]
- Costs: COGS [X%], headcount [N], avg salary [X], other OpEx [X]
- Balance sheet: current cash [X], debt [X], receivable days [X]

**Model structure:**

1. **Assumptions page:**
   - Revenue growth: [X%] Year 1 → [Y%] Year 3 (justify the trajectory)
   - Gross margin evolution
   - Hiring plan by department
   - CapEx schedule

2. **Income Statement** (3-year monthly, then annual):
   - Revenue breakdown by segment
   - COGS and gross profit
   - OpEx by category (Salaries, Marketing, R&D, G&A)
   - EBITDA and net income

3. **Balance Sheet:**
   - Working capital dynamics (AR, AP, inventory)
   - Debt schedule with interest
   - Equity and retained earnings

4. **Cash Flow Statement:**
   - Operating, investing, financing activities
   - Free cash flow
   - Runway calculation (months of cash remaining)

**Output format**: Structured tables with formulas explained. Flag key sensitivities.
**Scenario analysis**: Include bull/base/bear cases varying revenue growth ±30%.