Financial Modelling and System Enhancement

Establishing a Consumer Finance Company: Cohasset Groups Role in Financial Modelling and System Enhancement

The Cohasset Group was privileged to be engaged to provide comprehensive financial modelling and accounting advisory services for the establishment of a medium-sized consumer finance company.
Our appointment reflected the client’s commitment to a strong financial foundation and operational excellence from the outset.

Delivering Advanced Financial Modelling

At the heart of this project was the development of an extensive and exceptionally detailed Excel-based financial model. This model captured the full spectrum of the company’s projected activities, including:

  • Loan origination processes
  • Repayment schedules and cash flow forecasting
  • Interest income projections
  • Risk and delinquency modelling
  • Regulatory compliance requirements
  • Profitability analysis across multiple scenarios

The model’s high level of sophistication ensured that decision-makers had a clear, dynamic tool to simulate business strategies, stress-test operational assumptions, and refine their growth plans with confidence.

Influencing Broader System Architecture

Due to the exceptional detail and functionality of the financial model, several finance book applications subsequently adopted the Cohasset-developed structure.
The model not only served internal strategic needs but also became a benchmark for system design within the client’s broader operational ecosystem.

In particular, the outputs and structural insights from the financial model were instrumental in critiquing and instructing critical modifications to the company’s newly installed accounting software.
This ensured that the accounting systems:

  • Reflected the complexities of consumer finance transactions,
  • Captured real-time financial performance accurately, and
  • Supported regulatory reporting obligations effectively.

Without this essential intervention, significant gaps in financial reporting, compliance, and operational efficiency would have persisted.

Commitment to Strategic Outcomes

The Cohasset Group’s involvement in this project underscores our commitment to practical, detail-oriented advisory services that directly strengthen our clients’ commercial and operational success.
By integrating robust financial modelling with pragmatic accounting advice, we helped to ensure that the client launched with a scalable, future-ready financial infrastructure.

We are proud to continue supporting organisations across New Zealand in achieving strategic clarity, operational excellence, and financial resilience.