Número clientes inicial 30

Monto depósito mensual por cliente [$] 100,000

Crecimiento número clientes [%/mensual] 20.00% Item / mes
Número clientes por ejecutivo 400 Número de clientes
Arriendo mensual [$/m2] 10,000 Gastos Operación Mensu
M2 por empleado 6 Ingresos por aporte men
Gastos Generales [%/sueldos] 10.00% Pagos por interés mensu
Inversión Inicial [meses de sueldo] 10 Fondo nocional acumula
Tasa libre de riesgo mensual [%] 0.50% Saldo en caja acumulado
Tasa ofrecida clientes mensual [%] 7.00% VAN [MM$]
Tasa de descuento mensual [%] 1.50% TIR [% anual]
SUELDOS MENSUALES TIR [% acumulado]
Gerente General 5,000,000
Gerente Comercial 3,500,000
Gerente Administración y Finanzas 3,500,000
Gerente Inversiones 3,500,000
Secretaria Gerencia 1,000,000
Secretaria Comercial 800,000
Recepcionista 600,000
Contador 500,000
Ejecutivo comercial 2,000,000

Depósitos Inversión
MES / ITEM N° clientes mensuales Inicial
0 30 3,000,000 204,000,000
1 36 3,600,000
2 43 4,300,000
3 52 5,200,000
4 62 6,200,000
5 74 7,400,000
6 89 8,900,000
7 107 10,700,000
8 128 12,800,000
9 154 15,400,000
10 185 18,500,000
11 222 22,200,000
12 266 26,600,000
13 319 31,900,000
14 383 38,300,000
15 460 46,000,000
16 552 55,200,000
17 662 66,200,000
18 794 79,400,000
19 953 95,300,000
20 1,144 114,400,000
21 1,373 137,300,000
22 1,648 164,800,000
23 1,978 197,800,000
24 2,374 237,400,000
25 2,849 284,900,000
26 3,419 341,900,000
27 4,103 410,300,000
28 4,924 492,400,000
29 5,909 590,900,000
30 7,091 709,100,000
31 8,509 850,900,000
32 10,211 ###
33 12,253 ###
34 14,704 ###
35 17,645 ###
36 21,174 ###
37 25,409 ###
38 30,491 ###
39 36,589 ###
40 43,907 ###
41 52,688 ###
42 63,226 ###
43 75,871 ###
44 91,045 ###
45 109,254 ###
46 131,105 ###
47 157,326 ###
48 188,791 ###
49 226,549 ###
50 271,859 ###
51 326,231 ###
52 391,477 ###
53 469,772 ###
54 563,726 ###
55 676,471 ###
56 811,765 ###
57 974,118 ###
58 1,168,942 ###
59 1,402,730 ###
60 1,683,276 ###
m / mes 12 24 36 48 60
mero de clientes 266 2,374 21,174 188,791 1,683,276
tos Operación Mensual [MM$] 25 37 143 1,090 9,533
resos por aporte mensual [MM$] 27 237 2,117 18,879 168,328
os por interés mensual [MM$] 8 82 740 6,607 58,914
do nocional acumulado [MM$] 145 1,409 12,688 113,258 1,009,950
do en caja acumulado [MM$] 14 509 7,081 67,989 613,495
N [MM$] -192 152 3,939 33,067 250,897
[% anual] -93.1% 58.0% 226.2% 327.3% 396.2%
[% acumulado] -93.1% 149.6% 3371.1% 33227.8% 300632.9%

N° Ejecutivos Total Gastos Intereses

M2 útiles Arriendo Sueldos
comerciales Empleados Generales ganados
1.00 9.00 54 -540,000 -20,400,000 -2,040,000
1.00 9.00 54 -540,000 -20,400,000 -2,040,000 920,100
1.00 9.00 54 -540,000 -20,400,000 -2,040,000 826,751
1.00 9.00 54 -540,000 -20,400,000 -2,040,000 735,174
1.00 9.00 54 -540,000 -20,400,000 -2,040,000 646,135
1.00 9.00 54 -540,000 -20,400,000 -2,040,000 559,831
1.00 9.00 54 -540,000 -20,400,000 -2,040,000 476,925
1.00 9.00 54 -540,000 -20,400,000 -2,040,000 398,515
1.00 9.00 54 -540,000 -20,400,000 -2,040,000 325,597
1.00 9.00 54 -540,000 -20,400,000 -2,040,000 259,070
1.00 9.00 54 -540,000 -20,400,000 -2,040,000 200,730
2.00 10.00 60 -600,000 -22,400,000 -2,240,000 152,209
2.00 10.00 60 -600,000 -22,400,000 -2,240,000 104,170
2.00 10.00 60 -600,000 -22,400,000 -2,240,000 70,121
2.00 10.00 60 -600,000 -22,400,000 -2,240,000 53,092
 2.00 10.00 60 -600,000 -22,400,000 -2,240,000 56,812
2.00 10.00 60 -600,000 -22,400,000 -2,240,000 85,646
3.00 11.00 66 -660,000 -24,400,000 -2,440,000 144,524
3.00 11.00 66 -660,000 -24,400,000 -2,440,000 228,077
3.00 11.00 66 -660,000 -24,400,000 -2,440,000 354,877
4.00 12.00 72 -720,000 -26,400,000 -2,640,000 534,022
4.00 12.00 72 -720,000 -26,400,000 -2,640,000 764,907
5.00 13.00 78 -780,000 -28,400,000 -2,840,000 1,071,406
6.00 14.00 84 -840,000 -30,400,000 -3,040,000 1,457,583
7.00 15.00 90 -900,000 -32,400,000 -3,240,000 1,941,711
8.00 16.00 96 -960,000 -34,400,000 -3,440,000 2,545,730
10.00 18.00 108 -1,080,000 -38,400,000 -3,840,000 3,295,879
11.00 19.00 114 -1,140,000 -40,400,000 -4,040,000 4,212,463
13.00 21.00 126 -1,260,000 -44,400,000 -4,440,000 5,344,665
16.00 24.00 144 -1,440,000 -50,400,000 -5,040,000 6,726,824
19.00 27.00 162 -1,620,000 -56,400,000 -5,640,000 8,402,153
22.00 30.00 180 -1,800,000 -62,400,000 -6,240,000 10,436,144
27.00 35.00 210 -2,100,000 -72,400,000 -7,240,000 12,907,219
32.00 40.00 240 -2,400,000 -82,400,000 -8,240,000 15,887,335
38.00 46.00 276 -2,760,000 -94,400,000 -9,440,000 19,489,467
45.00 53.00 318 -3,180,000 -108,400,000 -10,840,000 23,838,454
54.00 62.00 372 -3,720,000 -126,400,000 -12,640,000 29,085,947
65.00 73.00 438 -4,380,000 -148,400,000 -14,840,000 35,404,901
77.00 85.00 510 -5,100,000 -172,400,000 -17,240,000 43,007,561
92.00 100.00 600 -6,000,000 -202,400,000 -20,240,000 52,164,319
111.00 119.00 714 -7,140,000 -240,400,000 -24,040,000 63,179,175
133.00 141.00 846 -8,460,000 -284,400,000 -28,440,000 76,412,791
159.00 167.00 1,002 -10,020,000 -336,400,000 -33,640,000 92,317,730
191.00 199.00 1,194 -11,940,000 -400,400,000 -40,040,000 111,433,314
229.00 237.00 1,422 -14,220,000 -476,400,000 -47,640,000 134,392,465
274.00 282.00 1,692 -16,920,000 -566,400,000 -56,640,000 161,968,528
329.00 337.00 2,022 -20,220,000 -676,400,000 -67,640,000 195,091,895
394.00 402.00 2,412 -24,120,000 -806,400,000 -80,640,000 234,860,990
473.00 481.00 2,886 -28,860,000 -964,400,000 -96,440,000 282,616,255
567.00 575.00 3,450 -34,500,000 ### -115,240,000 339,943,686
681.00 689.00 4,134 -41,340,000 ### -138,040,000 408,766,869
817.00 825.00 4,950 -49,500,000 ### -165,240,000 491,371,754
980.00 988.00 5,928 -59,280,000 ### -197,840,000 590,523,797
1,175.00 1,183.00 7,098 -70,980,000 ### -236,840,000 709,534,616
1,410.00 1,418.00 8,508 -85,080,000 ### -283,840,000 852,382,795
1,692.00 1,700.00 10,200 -102,000,000 ### -340,240,000 1,023,824,694
2,030.00 2,038.00 12,228 -122,280,000 ### -407,840,000 1,229,579,292
2,436.00 2,444.00 14,664 -146,640,000 ### -489,040,000 1,476,513,778
2,923.00 2,931.00 17,586 -175,860,000 ### -586,440,000 1,772,859,862
3,508.00 3,516.00 21,096 -210,960,000 ### -703,440,000 2,128,502,447
4,209.00 4,217.00 25,302 -253,020,000 ### -843,640,000 2,555,293,774
 Intereses TIR
Fondo Nocional Fondo Acumulado VAN TIR mensual anualizada
pagados
3,000,000 184,020,000
-210,000 6,600,000 165,350,100 -41,093,498 -18.9% -92.0%
-462,000 10,900,000 147,034,851 -61,278,895 -15.1% -86.0%
-763,000 16,100,000 129,227,025 -80,418,000 -14.1% -83.9%
-1,127,000 22,300,000 111,966,160 -98,507,250 -13.9% -83.5%
-1,561,000 29,700,000 95,384,991 -115,457,898 -14.1% -83.9%
-2,079,000 38,600,000 79,702,916 -131,108,321 -14.5% -84.7%
-2,702,000 49,300,000 65,119,430 -145,325,649 -15.1% -85.9%
-3,451,000 62,100,000 51,814,027 -158,004,112 -15.7% -87.2%
-4,347,000 77,500,000 40,146,097 -168,888,535 -16.5% -88.6%
-5,425,000 96,000,000 30,441,828 -177,769,274 -17.3% -89.8%
-6,720,000 118,200,000 20,834,037 -186,313,294 -18.7% -91.7%
-8,274,000 144,800,000 14,024,207 -192,270,329 -20.0% -93.1%
-10,136,000 176,700,000 10,618,328 -195,250,211 -20.3% -93.5%
-12,369,000 215,000,000 11,362,420 -194,775,428 -18.6% -91.6%
 -15,050,000 261,000,000 17,129,232 -190,299,158 -15.2% -86.2%
-18,270,000 316,200,000 28,904,878 -181,222,059 -11.5% -76.9%
-22,134,000 382,400,000 45,615,403 -168,584,874 -8.4% -65.3%
-26,768,000 461,800,000 70,975,480 -149,710,033 -5.7% -50.5%
-32,326,000 557,100,000 106,804,357 -123,511,438 -3.3% -33.5%
-38,997,000 671,500,000 152,981,379 -90,415,852 -1.4% -15.9%
-47,005,000 808,800,000 214,281,286 -47,253,679 0.2% 2.8%
-56,616,000 973,600,000 291,516,692 6,092,475 1.6% 21.5%
-68,152,000 1,171,400,000 388,342,276 71,737,415 2.8% 39.9%
-81,998,000 1,408,800,000 509,145,987 152,169,979 3.9% 58.0%
-98,616,000 1,693,700,000 659,175,717 250,307,748 4.8% 75.6%
-118,559,000 2,035,600,000 842,492,596 368,069,764 5.6% 92.4%
-142,492,000 2,445,900,000 1,068,933,058 511,100,971 6.3% 108.8%
-171,213,000 2,938,300,000 1,345,364,724 682,728,880 7.0% 124.4%
-205,681,000 3,529,200,000 1,680,430,547 887,202,475 7.5% 139.3%
-247,044,000 4,238,300,000 2,087,228,700 1,131,330,505 8.1% 153.5%
-296,681,000 5,089,200,000 2,581,443,844 1,423,104,223 8.5% 167.1%
-356,244,000 6,110,300,000 3,177,467,063 1,769,184,546 9.0% 180.0%
-427,721,000 7,335,600,000 3,897,893,398 2,180,792,314 9.4% 192.3%
-513,492,000 8,806,000,000 4,767,690,865 2,669,840,440 9.7% 204.1%
-616,420,000 10,570,500,000 5,817,189,319 3,250,631,426 10.0% 215.4%
### 12,687,900,000 7,080,980,266 3,939,008,870 10.4% 226.2%
-888,153,000 15,228,800,000 8,601,512,167 4,754,282,244 10.6% 236.5%
### 18,277,900,000 10,432,863,728 5,721,076,054 10.9% 246.4%
### 21,936,800,000 12,635,835,047 6,866,144,664 11.2% 255.9%
### 26,327,500,000 15,282,558,222 8,220,698,531 11.4% 265.1%
### 31,596,300,000 18,463,546,013 9,823,839,652 11.6% 273.8%
### 37,918,900,000 22,286,662,743 11,721,353,638 11.8% 282.3%
### 45,506,000,000 26,878,493,057 13,965,844,999 12.0% 290.4%
### 54,610,500,000 32,393,705,522 16,620,988,301 12.2% 298.3%
### 65,535,900,000 39,018,379,050 19,762,287,586 12.4% 305.9%
### 78,646,400,000 46,972,197,945 23,477,158,190 12.6% 313.3%
### 94,379,000,000 56,523,250,935 27,871,218,611 12.7% 320.4%
### 113,258,100,000 67,988,737,190 33,067,083,693 12.9% 327.3%
### 135,913,000,000 81,753,373,876 39,211,733,633 13.0% 333.9%
### 163,098,900,000 98,274,350,745 46,476,776,419 13.2% 340.4%
### 195,722,000,000 118,104,759,499 55,067,244,691 13.3% 346.7%
### 234,869,700,000 141,906,923,296 65,224,865,086 13.4% 352.8%
### 281,846,900,000 170,476,558,913 77,235,837,202 13.5% 358.8%
### 338,219,500,000 204,764,938,707 91,436,893,361 13.7% 364.5%
### 405,866,600,000 245,915,858,401 108,227,187,072 13.8% 370.2%
### 487,043,100,000 295,302,755,693 128,079,007,697 13.9% 375.6%
### 584,454,900,000 354,571,972,471 151,549,946,855 14.0% 381.0%
### 701,349,100,000 425,700,489,334 179,299,821,550 14.1% 386.2%
### 841,622,100,000 511,058,754,780 212,107,901,395 14.2% 391.2%
### 1,009,949,700,000 613,495,041,554 250,897,046,111 14.3% 396.2%