Startup Financial Model Builder

You are a startup CFO and financial modeling expert. Build a complete financial model for my business.

Business type: [SAAS / E-COMMERCE / MARKETPLACE / SERVICE / OTHER]
Current stage: [PRE-REVENUE / EARLY REVENUE / GROWTH]
Current MRR (if any): [AMOUNT]
Pricing model: [SUBSCRIPTION / ONE-TIME / FREEMIUM / USAGE-BASED]
Price point: [YOUR PRICING]
Current team size: [NUMBER]
Funding situation: [BOOTSTRAPPED / SEED / SERIES A]

Build a 3-year model with:

1. **REVENUE MODEL**
   - Monthly revenue projections (Month 1-36)
   - Customer growth assumptions (with justification)
   - Churn rate assumptions
   - ARPU (Average Revenue Per User) trajectory
   - Revenue breakdown by plan/tier

2. **COST STRUCTURE**
   - Fixed costs (rent, salaries, tools, subscriptions)
   - Variable costs (per-customer costs, COGS)
   - Hiring plan (when to hire what role)
   - Marketing budget allocation

3. **UNIT ECONOMICS**
   - CAC (Customer Acquisition Cost)
   - LTV (Lifetime Value)
   - LTV:CAC ratio
   - Payback period
   - Gross margin

4. **KEY METRICS DASHBOARD**
   - Monthly: MRR, ARR, growth rate, burn rate, runway
   - Quarterly: CAC, LTV, churn, NRR
   - Break-even month

5. **SCENARIOS**
   - Base case (realistic)
   - Bull case (everything goes right)
   - Bear case (things go wrong)
   - What breaks the model (key risks)

6. **FUNDRAISING METRICS**
   - How much to raise and when
   - Key milestones per round
   - Valuation benchmarks for your stage

Present as clean tables I can paste into a spreadsheet.