Forecast & Capital Deployment
Linked income statement, balance sheet and cash flow projections, with originations, repayments, funding and operating scenarios.
SEE AN EXAMPLE →CDFI CAPACITY BUILDING · FINANCIAL MODELING · PORTFOLIO ANALYTICS
Financial capacity
you can keep.
Phoenix helps smaller CDFIs make better lending and capital decisions. We build working forecasts, portfolio tools and management reports, then train your team to use them.
TELL US WHAT YOU NEED TO SOLVEDesigned for CDFIs with roughly $5 million–$20 million in assets, and adaptable to organizations outside that range.
THE DECISIONS BEHIND THE NUMBERS
01Can we afford
to grow?
to grow?
02How much can
we safely deploy?
we safely deploy?
03What is changing
in our portfolio?
in our portfolio?
04Will cash be there
when debt comes due?
when debt comes due?
05Does a new loan
product work?
product work?
PRACTICAL SYSTEMS BUILT AROUND YOUR CDFI
Portfolio Risk & Reporting
PAR 30/60/90, delinquency migration, concentrations, charge-offs, risk ratings and a usable management dashboard.
SEE AN EXAMPLE →Liquidity & Note Repayment
Map cash, restricted capital, borrowing, maturities and lending commitments under base and downside cases.
SEE AN EXAMPLE →Loan Product Economics
Test pricing, staffing, servicing costs, expected losses, break-even volume and capital needs before launch or expansion.
DISCUSS THE SCOPE →THE DELIVERABLE IS CAPABILITY
Build, document, train.
Each engagement ends with a working tool, documented assumptions and handoff sessions. Board reporting, lending policies and carefully scoped automation can be included when they support the agreed outcome. Your team should be able to maintain and use the work.
TECHNICAL ASSISTANCE & CAPACITY FUNDING
ALREADY HAVE CAPACITY-BUILDING FUNDS?
Turn an award into a working capability.
Many CDFIs use technical-assistance and other capacity-building funds for professional services. Phoenix can provide a defined scope of work with deliverables, milestones, documentation and training that your organization can review against its approved budget and award terms.
Typical scope: financial forecasting, capital deployment, portfolio analytics, liquidity planning, product economics and management reporting.
Funding eligibility and procurement requirements depend on your award and funder. Phoenix does not determine or guarantee reimbursement or approval. Application preparation for federal assistance is outside a CDFI Fund TA-funded implementation scope.
DEFINED SCOPE. FIXED PROJECT PRICE.
CAPACITY ASSESSMENTFrom $5,000
Two-week review of current tools, gaps and a prioritized implementation roadmap.
FOCUSED SYSTEM$15,000–$35,000
One agreed forecasting, portfolio, liquidity or product-economics system with documentation and training.
COMPLETE BUILDOUT$50,000–$75,000
Integrated financial and portfolio systems, management reporting, scenarios and team handoff.
Illustrative planning ranges, not binding quotes. The proposal sets the final deliverables, timetable, data responsibilities and fixed fee. Optional forecast refresh, portfolio reporting and board support can be scoped separately, typically at $1,000–$2,500 per month.
ILLUSTRATIVE CDFI SCENARIOS
01 Can We Afford to Grow? +
THE DECISION
A $20 million CDFI plans to increase lending while balancing restricted capital, operating expenses, losses, debt and minimum cash.
THE CAPABILITY
A linked forecast and deployment model showing the effects of different origination, funding and loss assumptions on liquidity and sustainability.
02 What Is Changing in Our Portfolio? +
THE DECISION
Management needs to distinguish a short-term delinquency spike from a worsening trend in specific products or vintages.
THE CAPABILITY
Repeatable PAR, migration and concentration reporting, with management definitions and review routines.
03 Can We Repay the Note? +
THE DECISION
Loan repayments, new originations and a funding maturity must align without compromising operating liquidity.
THE CAPABILITY
A timed cash and debt schedule with base and downside cases and clear management triggers.
HOW AN ENGAGEMENT WORKS
01
Define the decision.
Identify the management question and the data available.
02
Agree the scope.
Set deliverables, milestones, roles and a fixed fee.
03
Build the system.
Connect the financial, portfolio and funding inputs that matter.
04
Validate together.
Review assumptions, reconcile outputs and test scenarios with your team.
05
Transfer the capability.
Deliver the tools, documentation and practical training.
EXPERIENCE BEHIND PHOENIX
Built by someone who has managed CDFI lending.
CDFIDirect lending and portfolio-management leadership inside a nonprofit CDFI
CreditUnderwriting, portfolio monitoring, risk and capital decisions
ModelsFinancial modeling across lending, investment and complex funding structures
HandoffWorking systems designed for management to use after the project ends
START WITH ONE DECISION
What do you need to know?
Tell us about the decision, your current reporting and any capacity-building funds or deadlines. We will suggest a practical scope.
Phoenix Modeling (Dark Horse Capital Management LLC)
6834 S University Blvd., Suite 226
Centennial, CO 80122
Contact@phxmodeling.com