Startup Models

Startup Models

Startup Models is a product business founded by Rafael Navarro-Rubio, a CFA charterholder with more than ten years of investment-banking experience. The venture produces financial-model templates for early-stage companies raising capital. Template variants target SaaS, ecommerce, marketplace, mobile app, and fintech startups. The founder states the models are built from an investor's perspective, aiming to answer the liquidity, hiring, and valuation questions that allocators ask. The product line rests on curated spreadsheet templates rather than a managed fund structure. There is no known deployment vehicle; clients purchase downloadable models to forecast cash runway, customer-acquisition cost, lifetime value, and debt service. The offering spans six launching-point templates, with a free preview option. The firm reports usage by more than 200 startups, though no portfolio-company names, deal terms, or co-investor relationships are publicly disclosed. Navarro-Rubio operates the business from Spain. No team-size figures or additional offices are published. A newsletter is the primary channel for distributing promotions and new versions. The website carries testimonials from founders who describe the models as intuitive — but there are no institutional appointments, philanthropic entities, or club memberships publicly associated with the venture. Startup Models differs from most family-office profiles because it functions as a consumer of entrepreneurial finance, not a source of capital. The structural differentiator is a pure product-based revenue model: the founder sells enabling tools to founders who, in turn, present the outputs to professional investors. No asset management, co-investment, or governance architecture exists beneath the surface.