Financial Planning & Analysis

Vector Is an Advanced FP&A Tool That Generates 5-Year Projected Balance Sheets and Income Statements to Enhance Decision-Making on Profitability, Capital, and Liquidity. It Provides Cash Flow Projections With Loan-Level Amortization Tables Based on User-Defined Stress Scenarios and Models Interest Income and Expenses. Additionally, Vector Formulates Loan Prepayment and Default Assumptions Using Vintage Curves and Monitors Loan Portfolio Growth.

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20+ Asset Classes
300+ Financial Models
SOC 2 Certified
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PLATFORM FEATURES

FP&A Features

Comprehensive tools and analytics for enhanced financial management and decision-making

3 Statement Financial Projections

Build sophisticated 5-year financial projections tailored for lending companies. Model loan portfolio growth, interest income dynamics, provision for loan losses, deposit funding strategies, and capital requirements. Our integrated 3-statement approach ensures Balance Sheet integrity while projecting Net Interest Income, operating efficiency, and cash generation across multiple scenarios.

Income Statement Projection

60-period lending portfolio forecast

Line ItemP1P2P3P4P5P6P7P8P9P10P11P12P13P14P15P16P17P18P19P20P21P22P23P24P25P26P27P28P29P30P31P32P33P34P35P36P37P38P39P40P41P42P43P44P45P46P47P48P49P50P51P52P53P54P55P56P57P58P59P60
Interest Income$28.5M$29.6M$30.6M$31.8M$33.0M$34.2M$35.4M$36.8M$38.1M$39.5M$41.0M$42.5M$44.1M$45.7M$47.4M$49.2M$51.0M$52.9M$54.8M$56.8M$58.9M$61.1M$63.4M$65.7M$68.2M$70.7M$73.3M$76.0M$78.8M$81.7M$84.8M$87.9M$91.2M$94.5M$98.0M$101.6M$105.4M$109.3M$113.4M$117.5M$121.9M$126.4M$131.1M$135.9M$141.0M$146.2M$151.6M$157.2M$163.0M$169.0M$175.3M$181.8M$188.5M$195.5M$202.7M$210.2M$218.0M$226.1M$234.4M$243.1M
Interest Expense($8.5M)($8.8M)($9.1M)($9.5M)($9.8M)($10.2M)($10.6M)($11.0M)($11.4M)($11.8M)($12.2M)($12.7M)($13.1M)($13.6M)($14.1M)($14.7M)($15.2M)($15.8M)($16.3M)($17.0M)($17.6M)($18.2M)($18.9M)($19.6M)($20.3M)($21.1M)($21.9M)($22.7M)($23.5M)($24.4M)($25.3M)($26.2M)($27.2M)($28.2M)($29.2M)($30.3M)($31.4M)($32.6M)($33.8M)($35.1M)($36.4M)($37.7M)($39.1M)($40.5M)($42.0M)($43.6M)($45.2M)($46.9M)($48.6M)($50.4M)($52.3M)($54.2M)($56.2M)($58.3M)($60.5M)($62.7M)($65.0M)($67.4M)($69.9M)($72.5M)
Net Interest Income$20.0M$20.8M$21.5M$22.3M$23.2M$24.0M$24.8M$25.8M$26.7M$27.7M$28.8M$29.8M$31.0M$32.1M$33.3M$34.5M$35.8M$37.1M$38.5M$39.8M$41.3M$42.9M$44.5M$46.1M$47.9M$49.6M$51.4M$53.3M$55.3M$57.3M$59.5M$61.7M$64.0M$66.3M$68.8M$71.3M$74.0M$76.7M$79.6M$82.4M$85.5M$88.7M$92.0M$95.4M$99.0M$102.6M$106.4M$110.3M$114.4M$118.6M$123.0M$127.6M$132.3M$137.2M$142.2M$147.5M$153.0M$158.7M$164.5M$170.6M
Provision for Loan Losses($2.8M)($2.9M)($3.0M)($3.1M)($3.3M)($3.4M)($3.5M)($3.6M)($3.8M)($3.9M)($4.1M)($4.2M)($4.4M)($4.5M)($4.7M)($4.9M)($5.1M)($5.3M)($5.5M)($5.7M)($5.9M)($6.1M)($6.4M)($6.6M)($6.9M)($7.1M)($7.4M)($7.7M)($8.0M)($8.3M)($8.6M)($8.9M)($9.2M)($9.6M)($10.0M)($10.3M)($10.7M)($11.1M)($11.6M)($12.0M)($12.4M)($12.9M)($13.4M)($13.9M)($14.4M)($15.0M)($15.6M)($16.2M)($16.8M)($17.4M)($18.1M)($18.8M)($19.5M)($20.2M)($21.0M)($21.8M)($22.6M)($23.5M)($24.4M)($25.3M)
Non-Interest Income$3.2M$3.3M$3.4M$3.6M$3.7M$3.8M$4.0M$4.1M$4.3M$4.4M$4.6M$4.8M$4.9M$5.1M$5.3M$5.5M$5.7M$5.9M$6.2M$6.4M$6.6M$6.9M$7.1M$7.4M$7.7M$7.9M$8.2M$8.5M$8.9M$9.2M$9.5M$9.9M$10.2M$10.6M$11.0M$11.4M$11.8M$12.3M$12.7M$13.2M$13.7M$14.2M$14.7M$15.3M$15.8M$16.4M$17.0M$17.7M$18.3M$19.0M$19.7M$20.4M$21.2M$21.9M$22.8M$23.6M$24.5M$25.4M$26.3M$27.3M
Operating Expenses($12.0M)($12.4M)($12.9M)($13.4M)($13.9M)($14.4M)($14.9M)($15.5M)($16.0M)($16.6M)($17.3M)($17.9M)($18.6M)($19.2M)($20.0M)($20.7M)($21.5M)($22.3M)($23.1M)($23.9M)($24.8M)($25.7M)($26.7M)($27.7M)($28.7M)($29.8M)($30.9M)($32.0M)($33.2M)($34.4M)($35.7M)($37.0M)($38.4M)($39.8M)($41.3M)($42.8M)($44.4M)($46.0M)($47.7M)($49.5M)($51.3M)($53.2M)($55.2M)($57.2M)($59.4M)($61.5M)($63.8M)($66.2M)($68.6M)($71.2M)($73.8M)($76.5M)($79.4M)($82.3M)($85.4M)($88.5M)($91.8M)($95.2M)($98.7M)($102.4M)
Net Income$8.4M$8.8M$9.0M$9.4M$9.7M$10.0M$10.4M$10.8M$11.2M$11.6M$12.0M$12.5M$12.9M$13.5M$13.9M$14.4M$14.9M$15.4M$16.1M$16.6M$17.2M$18.0M$18.5M$19.2M$20.0M$20.6M$21.3M$22.1M$23.0M$23.8M$24.7M$25.7M$26.6M$27.5M$28.5M$29.6M$30.7M$31.9M$33.0M$34.1M$35.5M$36.8M$38.1M$39.6M$41.0M$42.5M$44.0M$45.6M$47.3M$49.0M$50.8M$52.7M$54.6M$56.6M$58.6M$60.8M$63.1M$65.4M$67.7M$70.2M

Balance Sheet Projection

Key metrics over 60 periods

Total Loans

$475M

→ $950M (P60)

Total Deposits

$425M

→ $850M (P60)

Total Assets

$525M

15% CAGR

Total Equity

$52M

10-11% Ratio

Cash Flow Highlights

Period 60 projected cash flows

Cash Flow Breakdown

Operating Cash Flow

From lending operations

$28.5M

Investing Cash Flow

Loan originations & growth

($95.0M)

Financing Cash Flow

Deposit growth & capital

$85.0M

Cash Flow Waterfall
Starting
$24.0M
Operating
+$28.5M
Investing
+$95.0M

Scale Your Lending,
Not Your Operations

Vector Transforms Financial Analysis by Delivering Actionable Insights for Profitability Optimization, Liquidity Management, and Risk Mitigation, Enabling Lending Institutions to Strengthen Financial Resilience and Strategic Growth.

300
Financial Models
+45%
Increased Accuracy
80%
Time & Cost Saving
40
Asset Classes
PUBLICATIONS

Publications

Stay Informed With Our Latest
Research and Articles.

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Prepayment Analytics

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