Genesis Financial
A route-aware financial model for the institution you are actually building.
Genesis Financial builds the P&L, balance sheet, cash flow and every regulatory calculation from the same institutional model — so the numbers agree with the narrative. No disconnected spreadsheet. No unexplained capital number.
The problem
Why regulatory financial models fail.
A financial model does not fail because the maths is hard. It fails because it is built apart from the application it is meant to support.
Inputs
One set of institutional facts drives the model.
Genesis Financial reads the same verified facts that build the rest of the application — so a change to the business model flows through to the numbers.
Transaction volumes
Volumes and values that drive fee income and safeguarding exposure.
Pricing
Fee structures, take rates and revenue recognition per product.
Customers
Segments, onboarding curves and behavioural assumptions.
Staffing
Roles, headcount ramp and the cost of the control functions.
Technology
Platform, licensing and infrastructure cost over the plan.
Outsourcing
Third-party and intra-group service costs and dependencies.
Safeguarding
Relevant funds held and the mechanics that protect them.
Capital
Initial capital, share issuance and shareholder support.
Funding
The runway, funding rounds and the sources behind the plan.
Statements
Three statements that tie together.
Profit and Loss
Revenue, direct costs, operating expenses and the path to profitability.
Balance Sheet
Assets, liabilities and equity — reconciled to capital and own funds.
Cash Flow
Operating, investing and financing flows that tie back to funding and runway.
Regulatory calculations
Capital that a case officer can reconstruct.
Each regulatory figure is calculated by a stated method against the selected route, and carried onto the balance sheet — not asserted in isolation.
Initial capital
The minimum capital for the selected route, held on the balance sheet from day one.
Own funds
Ongoing requirement calculated by the route-specific method the application relies on.
Route-specific methods
The calculation method appropriate to the route being built — not a single hard-coded formula.
Safeguarding
Relevant funds, the safeguarding position and float reconciliation.
Liquidity
The liquidity position across the plan, tested against the resource requirement.
Genesis applies route-specific own-funds methods. Support is being extended route by route — some routes are available today and others are in development. Genesis does not claim universal support for every calculation method across every route until that route is implemented and verified. Route indicators are informational and require confirmation against the full business model and applicable law.
Beyond the statements
Tax, stress and wind-down — modelled, not asserted.
Tax engine
Corporation tax and related charges are modelled from the projected result, so the after-tax position and retained earnings are consistent with the P&L.
Stress testing
Adverse scenarios are applied to the model to test whether capital, own funds and liquidity hold — turning resilience assertions into evidenced positions.
Wind-down funding
The cost and duration of an orderly wind-down are modelled and funded, so the wind-down plan is supported by numbers rather than prose.
Narrative consistency
The financial model and the regulatory business plan are built from the same facts, so the numbers say what the narrative says. When the story changes, the model changes with it.
No disconnected spreadsheet. No unexplained capital number. A case officer can trace every figure back to a stated assumption.
- Exact-zero controls: the model asserts where a figure must be exactly zero and flags any drift.
- Reconciliation controls: balance sheet, cash flow and capital agree, or the model raises a finding.
- Cross-check against own funds and initial capital held on the balance sheet.
- Safeguarding reconciliation against relevant funds and the operating float.
Outputs and oversight
A workbook the reviewer can interrogate.
Downloadable workbook and reports
The full model exports as a workbook and supporting reports — the statements, the regulatory calculations and the assumptions that drive them, ready to accompany the application.
Reviewer controls
A consultant or reviewer can inspect the assumptions, follow each calculation, challenge the model and record findings — retaining professional judgement over the final figures.
Build a financial model your case officer can reconcile.
Start with a route-aware assessment, or see Genesis Financial in a live demonstration.