Financial Models

Live forecasts, unit economics, scenario branching, standalone P&Ls
with allocation rules — built and maintained by the finance agent.

What it is

A financial model in HAPPEE is a live, queryable model that sits on
top of your accounting data. Cash forecasts, 3-statement projections,
unit economics, pricing scenarios, standalone P&Ls for new product
lines, and breakeven analyses are all financial models. They refresh
as the underlying accounting data changes.

The big difference vs. a spreadsheet: the model isn't a snapshot.
Drivers reference live accounting data, scenarios are named and
comparable, and the finance agent keeps the model healthy without
human re-keying.

Upcoming — Live linkage from model drivers to the accounting
tables (revenue, AR/AP, cash) is on the roadmap. Today, models are
standalone scenarios maintained by the finance agent.

What you get

• A model builder with named drivers, formulas, and scenarios
• Direct linkage to accounting data (revenue, expenses, AR, AP, cash)

• Scenario branching — base, stretch, lender-ask, "what if price goes
  up 8%"

• Sensitivity analysis on any driver

• Time-series outputs — every line is a series of values over time,
  charts on demand

• Standalone P&Ls with allocation rules for shared resources

Upcoming — Allocation rules for sharing parent costs across
standalone P&Ls are on the roadmap. Today, standalone P&Ls can be
modeled; allocations are entered manually.

• Versioning — see how a model has evolved as assumptions changed

Upcoming — Snapshotting and side-by-side history are on the
roadmap. Today, models live as versioned documents but without a
point-in-time comparison view.

• Embeddable in the visual panel beside a channel, so the finance agent can present results in conversation

How agents use financial models

Alex owns the models. Common patterns:

• The 13-week cash forecast updates nightly with bank and invoice data; Alex posts the morning brief from it.

Upcoming — The 13-week cash forecast template, its nightly
refresh, and Alex's morning brief are on the roadmap. Today, Alex
can build a forecast on demand and post results in your cash channel.

• The unit economics model updates with each new paying customer's
  invoice; Alex flags if CAC payback drifts past target.

• The standalone new-line P&L uses allocation rules to share parent
  costs honestly with the new line.

• Pricing scenarios are run on request — "model an 8% price
  increase across the top tier" — and presented in the channel.

The point: the model is a tool for making decisions, used in
conversations, not a deck for the board.

In small businesses

For a small business, a real financial model has historically required
a fractional CFO or a finance contractor. With HAPPEE, Alex builds and
maintains it as a side effect of running the books. The owner gets
CFO-class output without CFO-class headcount.

Where financial models show up across the business

• In Cash flow stabilization:
  the 13-week rolling forecast is the centerpiece.

• In First paying customers: the
  unit economics model and 3-statement projection.

• In New product line: the standalone
  P&L with allocation rules.

• In Outbound sales motion:
  pipeline coverage flowing into the revenue forecast.