Money Finance
iamzifei/show-me-the-money
Financial tracking, revenue analytics, expense management, and pricing optimization.
Complete, populate and fill out 3-statement financial model templates (Income Statement, Balance Sheet, Cash Flow Statement) .
Install 3 Statements
$ npx skills add majiayu000/claude-skill-registry --skill 3-statements -a claude-codeProject install by default; add -g for ~/.claude/skills/.
$ gh skill install majiayu000/claude-skill-registry 3-statements --agent claude-codeProject scope by default; add --scope user for a personal install. Needs GitHub CLI 2.90.0 or later (public preview).
$ git clone --depth 1 https://github.com/majiayu000/claude-skill-registry.git skills-src && mkdir -p .claude/skills && cp -r skills-src/skills/business/3-statements .claude/skills/3-statements && rm -rf skills-srcUse ~/.claude/skills/ instead of .claude/skills for a personal install. The folder must contain SKILL.md.
Claude Code skills documentation · loads skills from .claude/skills/
Install the "3-statements" agent skill from https://github.com/majiayu000/claude-skill-registry/tree/main/skills/business/3-statements into .claude/skills/3-statements/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "3-statements", then confirm the skill loads.Claude Code copies the folder itself, the same result as the manual copy. Check what it changed before you commit it.
$skill-installer install https://github.com/majiayu000/claude-skill-registry/tree/main/skills/business/3-statementsType this inside Codex. $skill-installer <name> installs a curated skill from openai/skills. The installer writes to $CODEX_HOME/skills (default ~/.codex/skills). Restart Codex if the skill does not show up.
$ npx skills add majiayu000/claude-skill-registry --skill 3-statements -a codexProject install goes to .agents/skills/; add -g for ~/.codex/skills/.
$ gh skill install majiayu000/claude-skill-registry 3-statements --agent codexProject scope by default (.agents/skills/); add --scope user for a personal install.
$ git clone --depth 1 https://github.com/majiayu000/claude-skill-registry.git skills-src && mkdir -p .agents/skills && cp -r skills-src/skills/business/3-statements .agents/skills/3-statements && rm -rf skills-srcUse ~/.agents/skills/ instead of .agents/skills for a personal install.
Codex skills documentation · loads skills from .agents/skills/
Install the "3-statements" agent skill from https://github.com/majiayu000/claude-skill-registry/tree/main/skills/business/3-statements into .agents/skills/3-statements/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "3-statements", then confirm the skill loads.Codex copies the folder itself, the same result as the manual copy. Check what it changed before you commit it.
$ npx skills add majiayu000/claude-skill-registry --skill 3-statements -a cursorProject install goes to .agents/skills/; add -g for ~/.cursor/skills/.
$ gh skill install majiayu000/claude-skill-registry 3-statements --agent cursorProject scope by default (.agents/skills/); add --scope user for a personal install.
$ git clone --depth 1 https://github.com/majiayu000/claude-skill-registry.git skills-src && mkdir -p .cursor/skills && cp -r skills-src/skills/business/3-statements .cursor/skills/3-statements && rm -rf skills-srcUse ~/.cursor/skills/ instead of .cursor/skills for a personal install.
Cursor skills documentation · loads skills from .cursor/skills/, .agents/skills/, .claude/skills/, .codex/skills/
Install the "3-statements" agent skill from https://github.com/majiayu000/claude-skill-registry/tree/main/skills/business/3-statements into .cursor/skills/3-statements/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "3-statements", then confirm the skill loads.Cursor copies the folder itself, the same result as the manual copy. Check what it changed before you commit it.
$ gemini skills install https://github.com/majiayu000/claude-skill-registry.git --path skills/business/3-statements--scope user (default) or --scope workspace; --path is the subfolder of the repo that holds the skill; --consent skips the security confirmation prompt.
$ npx skills add majiayu000/claude-skill-registry --skill 3-statements -a gemini-cliProject install goes to .agents/skills/; add -g for ~/.gemini/skills/.
$ gh skill install majiayu000/claude-skill-registry 3-statements --agent gemini-cliProject scope by default (.agents/skills/); add --scope user for a personal install.
$ git clone --depth 1 https://github.com/majiayu000/claude-skill-registry.git skills-src && mkdir -p .gemini/skills && cp -r skills-src/skills/business/3-statements .gemini/skills/3-statements && rm -rf skills-srcUse ~/.gemini/skills/ instead of .gemini/skills for a personal install, then run /skills reload.
Gemini CLI skills documentation · loads skills from .gemini/skills/, .agents/skills/
Install the "3-statements" agent skill from https://github.com/majiayu000/claude-skill-registry/tree/main/skills/business/3-statements into .gemini/skills/3-statements/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "3-statements", then confirm the skill loads.Gemini CLI copies the folder itself, the same result as the manual copy. Check what it changed before you commit it.
$ gh skill install majiayu000/claude-skill-registry 3-statementsInstalls for Copilot at project scope by default; add --scope user for a personal install. Preview a skill first with gh skill preview. Needs GitHub CLI 2.90.0 or later (public preview).
$ npx skills add majiayu000/claude-skill-registry --skill 3-statements -a github-copilotProject install goes to .agents/skills/; add -g for ~/.copilot/skills/.
$ git clone --depth 1 https://github.com/majiayu000/claude-skill-registry.git skills-src && mkdir -p .github/skills && cp -r skills-src/skills/business/3-statements .github/skills/3-statements && rm -rf skills-srcUse ~/.copilot/skills/ instead of .github/skills for a personal install. Commit .github/skills so cloud agent and code review can use it.
GitHub Copilot skills documentation · loads skills from .github/skills/, .claude/skills/, .agents/skills/
Install the "3-statements" agent skill from https://github.com/majiayu000/claude-skill-registry/tree/main/skills/business/3-statements into .github/skills/3-statements/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "3-statements", then confirm the skill loads.GitHub Copilot copies the folder itself, the same result as the manual copy. Check what it changed before you commit it.
$ npx skills add majiayu000/claude-skill-registry --skill 3-statements -a opencodeOpenCode documents no install command of its own. Project install goes to .agents/skills/; add -g for ~/.config/opencode/skills/.
$ gh skill install majiayu000/claude-skill-registry 3-statements --agent opencodeProject scope by default (.agents/skills/); add --scope user for a personal install.
$ git clone --depth 1 https://github.com/majiayu000/claude-skill-registry.git skills-src && mkdir -p .opencode/skills && cp -r skills-src/skills/business/3-statements .opencode/skills/3-statements && rm -rf skills-srcUse ~/.config/opencode/skills/ instead of .opencode/skills for a personal install.
OpenCode skills documentation · loads skills from .opencode/skills/, .claude/skills/, .agents/skills/
Install the "3-statements" agent skill from https://github.com/majiayu000/claude-skill-registry/tree/main/skills/business/3-statements into .opencode/skills/3-statements/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "3-statements", then confirm the skill loads.OpenCode copies the folder itself, the same result as the manual copy. Check what it changed before you commit it.
Facts
- Skill name
3-statements- GitHub stars
- 666
- Used in
- 2 other repos
- Token cost
- ~4.4k tokens
- SKILL.md length
- 2,253 words
- Files
- 2
- Skills in repo
- 1,273
- Repo updated
- First seen
- Licence
- MIT
At a glance
Complete, populate and fill out 3-statement financial model templates (Income Statement, Balance Sheet, Cash Flow Statement) .
- Works in 6 steps: Analyze the Template Structure → Filling in Data Without Breaking Formulas → Validating Formulas → …
- Asked to fill out model templates
- SKILL.md covers Model Structure, Margin Analysis, Credit Metrics and Scenario Analysis (Base /…, plus 3 more sections
- Instructions only: no scripts, shell commands, URLs or credentials in SKILL.md
What it does
3 Statements is an agent skill from majiayu000/claude-skill-registry. Complete, populate and fill out 3-statement financial model templates (Income Statement, Balance Sheet, Cash Flow Statement) . Use when asked to fill out model templates, complete existing model frameworks, populate financial models with data, complete a partially filled IS/BS/CF framework, or link integrated financial statements within an existing template structure. Triggers include requests to fill in, complete, or populate a 3-statement model template
Its SKILL.md is about 4.4k tokens, which your agent loads only when the skill is triggered. The skill folder holds 1 other file (for example `metadata.json`).
It sits in Business, Finance & HR, covering Financial analysis and Financial modeling. The repository describes itself as: Searchable Claude Code skills catalog with source-linked guides and generated registry artifacts. The licence is MIT.
When your agent uses it
- Asked to fill out model templates
- Complete existing model frameworks
- Populate financial models with data
- Complete a partially filled IS/BS/CF framework
Example prompts
- “/3-statements”
Workflow steps
6 steps, taken from the step headings in SKILL.md.
What it can do on your machine
Read from SKILL.md and the folder at commit 2d14a69. It shows what the files ask for, not the result of running them.
Tool permissions
Pre-approves nothing: there is no allowed-tools line, so your agent's usual permission prompts apply.
From allowed-tools in the SKILL.md frontmatter.
Runs code
No scripts in the folder and no shell commands in SKILL.md.
From the folder's file list and the shell code blocks in SKILL.md.
Network
No URLs in SKILL.md.
From URLs in SKILL.md, links to its own repository left out.
Credentials
Names no API keys, tokens, secrets or passwords.
From names ending in _API_KEY, _TOKEN, _SECRET, _KEY or _PASSWORD in SKILL.md.
Context cost
3 Statements loads about 4.4k tokens when it runs. Until then it costs about 118 tokens; SKILL.md has 2,253 words of instructions outside code blocks.
Estimates: characters ÷ 4, the usual rule of thumb; real counts depend on the model's tokenizer. Scripts and assets cost tokens only if the agent reads them.
Safety
Auto-check passed
The automated check found no risky patterns in SKILL.md.
Automated static check — not a guarantee. Review scripts before installing. It scans the text of SKILL.md for risky patterns (piping downloads into a shell, reading credential files, hidden Unicode, destructive commands); files beside SKILL.md are not scanned.
SKILL.md
The full file from majiayu000/claude-skill-registry at commit 2d14a69, republished under its MIT licence (© majiayu000). 2,253 words, ~4,414 tokens.
Download SKILL.mdSave it as
.claude/skills/3-statements/SKILL.md (or your agent's skills folder). This skill also uses 1 other file; get the full folder from GitHub.- name
- 3-statements
- description
- Complete, populate and fill out 3-statement financial model templates (Income Statement, Balance Sheet, Cash Flow Statement) . Use when asked to fill out model templates, complete existing model frameworks, populate financial models with data, complete a partially filled IS/BS/CF framework, or link integrated financial statements within an existing template structure. Triggers include requests to fill in, complete, or populate a 3-statement model template
3-Statement Financial Model Template Completion
Complete and populate integrated financial model templates with proper linkages between Income Statement, Balance Sheet, and Cash Flow Statement.
Model Structure
Identifying Template Tab Organization
Templates vary in their tab naming conventions and organization. Before populating, review all tabs to understand the template's structure. Below are common tab names and their typical contents:
| Common Tab Names | Contents to Look For |
|---|---|
| IS, P&L, Income Statement | Income Statement |
| BS, Balance Sheet | Balance Sheet |
| CF, CFS, Cash Flow | Cash Flow Statement |
| WC, Working Capital | Working Capital Schedule |
| DA, D&A, Depreciation, PP&E | Depreciation & Amortization Schedule |
| Debt, Debt Schedule | Debt Schedule |
| NOL, Tax, DTA | Net Operating Loss Schedule |
| Assumptions, Inputs, Drivers | Driver assumptions and inputs |
| Checks, Audit, Validation | Error-checking dashboard |
Template Review Checklist
- Identify which tabs exist in the template (not all templates include every schedule)
- Note any template-specific tabs not listed above
- Understand tab dependencies (e.g., which schedules feed into the main statements)
- Locate input cells vs. formula cells on each tab
Understanding Template Structure
Before populating a template, familiarize yourself with its existing layout to ensure data is entered in the correct locations and formulas remain intact.
Identifying Row Structure
- Locate the model title at top of each tab
- Identify section headers and their visual separation
- Find the units row indicating $ millions, %, x, etc.
- Note column headers distinguishing Actuals vs. Estimates periods
- Confirm period labels (e.g., FY2024A, FY2025E)
- Identify input cells vs. formula cells (typically distinguished by font color)
Identifying Column Structure
- Confirm line item labels in leftmost column
- Verify historical years precede projection years
- Note the visual border separating historical from projected periods
- Check for consistent column order across all tabs
Working with Named Ranges Templates often use named ranges for key inputs and outputs. Before entering data:
- Review existing named ranges in the template (Formulas → Name Manager in Excel)
- Common named ranges include: Revenue growth rates, cost percentages, key outputs (Net Income, EBITDA, Total Debt, Cash), scenario selector cell
- Ensure inputs are entered in cells that feed into these named ranges
Projection Period
- Templates typically project 5 years forward from last historical year
- Verify historical (A) vs. projected (E) columns are clearly separated
- Confirm columns use fiscal year notation (e.g., FY2024A, FY2025E)
Margin Analysis
Note: The following margin analysis should only be performed if prompted by the user or if the template explicitly requires it. If no prompt is given, skip this section.
Calculate and display profitability margins on the Income Statement (IS) tab to track operational efficiency and enable peer comparison.
Core Margins to Include
| Margin | Formula | What It Measures |
|---|---|---|
| Gross Margin | Gross Profit / Revenue | Pricing power, production efficiency |
| EBITDA Margin | EBITDA / Revenue | Core operating profitability |
| EBIT Margin | EBIT / Revenue | Operating profitability after D&A |
| Net Income Margin | Net Income / Revenue | Bottom-line profitability |
Income Statement Layout with Margins
Display margin percentages directly below each profit line item:
- Gross Margin % below Gross Profit
- EBIT Margin % below EBIT
- EBITDA Margin % below EBITDA
- Net Income Margin % below Net Income
Credit Metrics
Note: The following Credit analysis should only be performed if prompted by the user or if the template explicitly requires it. If no prompt is given, skip this section.
Calculate and display credit/leverage metrics on the Balance Sheet (BS) tab to assess financial health, debt capacity, and covenant compliance.
Core Credit Metrics to Include
| Metric | Formula | What It Measures |
|---|---|---|
| Total Debt / EBITDA | Total Debt / LTM EBITDA | Leverage multiple |
| Net Debt / EBITDA | (Total Debt - Cash) / LTM EBITDA | Leverage net of cash |
| Interest Coverage | EBITDA / Interest Expense | Ability to service debt |
| Debt / Total Cap | Total Debt / (Total Debt + Equity) | Capital structure |
| Debt / Equity | Total Debt / Total Equity | Financial leverage |
| Current Ratio | Current Assets / Current Liabilities | Short-term liquidity |
| Quick Ratio | (Current Assets - Inventory) / Current Liabilities | Immediate liquidity |
Credit Metric Hierarchy Checks
Validate that Upside shows strongest credit profile:
- Leverage: Upside < Base < Downside (lower is better)
- Coverage: Upside > Base > Downside (higher is better)
- Liquidity: Upside > Base > Downside (higher is better)
Covenant Compliance Tracking
If debt covenants are known, add explicit compliance checks comparing actual metrics to covenant thresholds.
Scenario Analysis (Base / Upside / Downside)
Use a scenario toggle (dropdown) in the Assumptions tab with CHOOSE or INDEX/MATCH formulas.
| Scenario | Description |
|---|---|
| Base Case | Management guidance or consensus estimates |
| Upside Case | Above-guidance growth, margin expansion |
| Downside Case | Below-trend growth, margin compression |
Key Drivers to Sensitize: Revenue growth, Gross margin, SG&A %, DSO/DIO/DPO, CapEx %, Interest rate, Tax rate.
Scenario Audit Checks: Toggle switches all statements, BS balances in all scenarios, Cash ties out, Hierarchy holds (Upside > Base > Downside for NI, EBITDA, FCF, margins).
SEC Filings Data Extraction
If the template specifically requires pulling data from SEC filings (10-K, 10-Q), see references/sec-filings.md for detailed extraction guidance. This reference is only needed when populating templates with public company data from regulatory filings.
Completing Model Templates
This section provides general guidance for completing any 3-statement financial model template while preserving existing formulas and ensuring data integrity.
Step 1: Analyze the Template Structure
Before entering any data, thoroughly review the template to understand its architecture:
Identify Input vs. Formula Cells
- Look for visual cues (font color, cell shading) that distinguish input cells from formula cells
- Common conventions: Blue font = inputs, Black font = formulas, Green font = links to other sheets
- Use Excel's Trace Precedents/Dependents (Formulas → Trace Precedents) to understand cell relationships
- Check for named ranges that may control key inputs (Formulas → Name Manager)
Map the Template's Flow
- Identify which tabs feed into others (e.g., Assumptions → IS → BS → CF)
- Note any supporting schedules and their linkages to main statements
- Document the template's specific line items and structure before populating
Step 2: Filling in Data Without Breaking Formulas
Golden Rules for Data Entry
| Rule | Description |
|---|---|
| Only edit input cells | Never overwrite cells containing formulas unless intentionally replacing the formula |
| Preserve cell references | When copying data, use Paste Values (Ctrl+Shift+V) to avoid overwriting formulas with source formatting |
| Match the template's units | Verify if template uses thousands, millions, or actual values before entering data |
| Respect sign conventions | Follow the template's existing sign convention (e.g., expenses as positive or negative) |
| Check for circular references | If the template uses iterative calculations, ensure Enable Iterative Calculation is turned on |
Safe Data Entry Process
- Identify the exact cells designated for input (usually highlighted or labeled)
- Enter historical data first, then verify formulas are calculating correctly for those periods
- Enter assumption drivers that feed forecast calculations
- Review calculated outputs to confirm formulas are working as intended
- If a formula cell must be modified, document the original formula before making changes
Handling Pre-Built Formulas
- If formulas reference cells you haven't populated yet, expect temporary errors (#REF!, #DIV/0!) until all inputs are complete
- When formulas produce unexpected results, trace precedents to identify missing or incorrect inputs
- Never delete rows/columns without checking for formula dependencies across all tabs
Step 3: Validating Formulas
Formula Integrity Checks
Before relying on template outputs, validate that formulas are functioning correctly:
| Check Type | Method |
|---|---|
| Trace precedents | Select a formula cell → Formulas → Trace Precedents to verify it references correct inputs |
| Trace dependents | Verify key inputs flow to expected output cells |
| Evaluate formula | Use Formulas → Evaluate Formula to step through complex calculations |
| Check for hardcodes | Projection formulas should reference assumptions, not contain hardcoded values |
| Test with known values | Input simple test values to verify formulas produce expected results |
| Cross-tab consistency | Ensure the same formula logic applies across all projection periods |
Common Formula Issues to Watch For
- Mixed absolute/relative references causing incorrect results when copied across periods
- Broken links to external files or deleted ranges (#REF! errors)
- Division by zero in early periods before revenue ramps (#DIV/0! errors)
- Circular reference warnings (may be intentional for interest calculations)
- Inconsistent formulas across projection columns (use Ctrl+\ to find differences)
Validating Cross-Tab Linkages
- Confirm values that appear on multiple tabs are linked (not duplicated)
- Verify schedule totals tie to corresponding line items on main statements
- Check that period labels align across all tabs
Show full SKILL.md (950 more words)Show less
Step 4: Quality Checks by Sheet
Perform these validation checks on each sheet after populating the template:
Income Statement (IS) Quality Checks
- Revenue figures match source data for historical periods
- All expense line items sum to reported totals
- Subtotals (Gross Profit, EBIT, EBT, Net Income) calculate correctly
- Tax calculation logic is appropriate (handles losses correctly)
- Forecast drivers reference assumptions tab (no hardcodes)
- Period-over-period changes are directionally reasonable
Balance Sheet (BS) Quality Checks
- Assets = Liabilities + Equity for every period (primary check)
- Cash balance matches Cash Flow Statement ending cash
- Working capital accounts tie to supporting schedules (if applicable)
- Retained Earnings rolls forward correctly: Prior RE + Net Income - Dividends +/- Adjustments = Ending RE
- Debt balances tie to debt schedule (if applicable)
- All balance sheet items have appropriate signs (assets positive, most liabilities positive)
Cash Flow Statement (CF) Quality Checks
- Net Income at top of CFO matches Income Statement Net Income
- Non-cash add-backs (D&A, SBC, etc.) tie to their source schedules/statements
- Working capital changes have correct signs (increase in asset = use of cash = negative)
- CapEx ties to PP&E schedule or fixed asset roll-forward
- Financing activities tie to changes in debt and equity accounts on BS
- Ending Cash matches Balance Sheet Cash
- Beginning Cash equals prior period Ending Cash
Supporting Schedule Quality Checks
- Opening balances equal prior period closing balances
- Roll-forward logic is complete (Beginning + Additions - Deductions = Ending)
- Schedule totals tie to main statement line items
- Assumptions used in calculations match Assumptions tab
Step 5: Cross-Statement Integrity Checks
After validating individual sheets, confirm the three statements are properly integrated:
| Check | Formula | Expected Result |
|---|---|---|
| Balance Sheet Balance | Assets - Liabilities - Equity | = 0 |
| Cash Tie-Out | CF Ending Cash - BS Cash | = 0 |
| Net Income Link | IS Net Income - CF Starting Net Income | = 0 |
| Retained Earnings | Prior RE + NI - Dividends - BS Ending RE | = 0 (adjust for SBC/other items as needed) |
Step 6: Final Review
Before considering the model complete:
- Toggle through all scenarios (if applicable) to verify checks pass in each case
- Review all #REF!, #DIV/0!, #VALUE!, and #NAME? errors and resolve or document
- Confirm all input cells have been populated (search for placeholder values)
- Verify units are consistent across all tabs
- Save a clean version before making any additional modifications
Model Validation and Audit
This section consolidates all validation checks and audit procedures for completed templates.
Core Linkages (Must Always Hold)
See references/formulas.md for all formula details.
| Check | Formula | Expected Result |
|---|---|---|
| Balance Sheet Balance | Assets - Liabilities - Equity | = 0 |
| Cash Tie-Out | CF Ending Cash - BS Cash | = 0 |
| Cash Monthly vs Annual | Closing Cash (Monthly) - Closing Cash (Annual) | = 0 |
| Net Income Link | IS Net Income - CF Starting Net Income | = 0 |
| Retained Earnings | Prior RE + NI + SBC - Dividends - BS Ending RE | = 0 |
| Equity Financing | ΔCommon Stock/APIC (BS) - Equity Issuance (CFF) | = 0 |
| Year 0 Equity | Equity Raised (Year 0) - Beginning Equity Capital (Year 1) | = 0 |
Sign Convention Reference
| Statement | Item | Sign Convention |
|---|---|---|
| CFO | D&A, SBC | Positive (add-back) |
| CFO | ΔAR (increase) | Negative (use of cash) |
| CFO | ΔAP (increase) | Positive (source of cash) |
| CFI | CapEx | Negative |
| CFF | Debt issuance | Positive |
| CFF | Debt repayments | Negative |
| CFF | Dividends | Negative |
Circular Reference Handling
Interest expense creates circularity: Interest → Net Income → Cash → Debt Balance → Interest
Enable iterative calculation in Excel: File → Options → Formulas → Enable iterative calculation. Set maximum iterations to 100, maximum change to 0.001. Add a circuit breaker toggle in Assumptions tab.
Check Categories
Section 1: Currency Consistency
- Currency identified and documented in Assumptions
- All tabs use consistent currency symbol and scale
- Units row matches model currency
Section 2: Balance Sheet Integrity
- Assets = Liabilities + Equity (for each period)
- Formula: Assets - Liabilities - Equity (must = 0)
Section 3: Cash Flow Integrity
- Cash ties to BS (CF Ending Cash = BS Cash)
- Cash Monthly vs Annual: Closing Cash (Monthly) = Closing Cash (Annual)
- NI ties to IS (CF Net Income = IS Net Income)
- D&A ties to schedule
- SBC ties to IS
- ΔAR, ΔInventory, ΔAP tie to WC schedule
- CapEx ties to DA schedule
Section 4: Retained Earnings
- RE roll-forward check: Prior RE + NI + SBC - Dividends = Ending RE
- Show component breakdown for debugging
Section 5: Working Capital
- AR, Inventory, AP tie to BS
- DSO, DIO, DPO reasonability checks (flag if outside normal ranges)
Section 6: Debt Schedule
- Total Debt ties to BS (Current + LT Debt)
- Interest calculation ties to IS
Section 6b: Equity Financing
- Equity issuance proceeds tie to BS Common Stock/APIC increase
- Cash increase from equity = Equity account increase (must balance)
- Equity Raise Tie-Out: ΔCommon Stock/APIC (BS) = Equity Issuance (CFF) (must = 0)
- Year 0 Equity Tie-Out: Equity Raised (Year 0) = Beginning Equity Capital (Year 1)
Section 6c: NOL Schedule
- Beginning NOL (Year 1 / Formation) = 0 (new business starts with zero NOL)
- NOL increases only when EBT < 0 (losses must be realized to generate NOL)
- DTA ties to BS (NOL Schedule DTA = BS Deferred Tax Asset)
- NOL utilization ≤ 80% of EBT (post-2017 federal limitation)
- NOL balance is non-negative (cannot utilize more than available)
- NOL generated only when EBT < 0
- Tax expense = 0 when taxable income ≤ 0
Section 7: Scenario Hierarchy
- Absolute metrics: Upside > Base > Downside (NI, EBITDA, FCF)
- Margins: Upside > Base > Downside (GM%, EBITDA%, NI%)
- Credit metrics: Upside < Base < Downside for leverage (inverted)
Section 8: Formula Integrity
- COGS, S&M, G&A, R&D, SBC driven by % of Revenue (no hardcodes)
- Consistent formulas across projection years
- No #REF!, #DIV/0!, #VALUE! errors
Section 9: Credit Metric Thresholds
- Flag metrics as Green/Yellow/Red based on covenant thresholds
- Summary of any red flags
Master Check Formula
Aggregate all section statuses into a single master check:
- If all sections pass → "✓ ALL CHECKS PASS"
- If any section fails → "✗ ERRORS DETECTED - REVIEW BELOW"
Quick Debug Workflow
When Master Status shows errors:
- Scroll to find red-highlighted sections
- Identify which check category has failures
- Navigate to source tab to investigate
- Fix the underlying issue
- Return to Checks tab to verify resolution
© majiayu000, MIT. Rendered from Markdown: HTML in the file is shown as text, images as links, and headings moved down two levels. Raw file
Files
SKILL.md and 1 other file in skills/business/3-statements of majiayu000/claude-skill-registry.
- SKILL.md
- metadata.json
Open the folder on GitHubat commit 2d14a69
Used in 2 other repositories
We found 5 copies of this SKILL.md (exact, near-identical or edited) in other folders, from 2 other GitHub owners. This page covers the copy in majiayu000/claude-skill-registry, which our catalogue first saw on October 8, 2026.
Compare with similar skills
3 Statements next to the 5 skills that share the most tags, products or categories with it. Stars are the repository's; “used in” counts other GitHub owners with a copy.
| Skill | Stars | Used in | Tokens | Auto-check | Licence | Repo updated |
|---|---|---|---|---|---|---|
| 3 Statements this skillmajiayu000/claude-skill-registry | 666 | 2 repos | ~4.4k | Automated safety check: Pass | MIT | |
| Money Financeiamzifei/show-me-the-money | 1k | — | ~2.2k | Automated safety check: Pass | Custom licence | |
| Longbridge Fundamentalshelsome/folio | 269 | 1 repos | ~1.8k | Automated safety check: Pass | MIT | |
| Financetravisjneuman/.claude | 101 | 1 repos | ~3k | Automated safety check: Pass | MIT | |
| Research Financealirezarezvani/claude-skills | 28k | — | ~2.7k | Automated safety check: Pass | MIT | |
| Longbridge Fundamentalssickn33/agentic-awesome-skills | 47k | 1 repos | ~1.9k | Automated safety check: Pass | MIT |
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Questions about 3 Statements
What does 3 Statements do?
Complete, populate and fill out 3-statement financial model templates (Income Statement, Balance Sheet, Cash Flow Statement) . 3 Statements is an agent skill from majiayu000/claude-skill-registry. Complete, populate and fill out 3-statement financial model templates (Income Statement, Balance Sheet, Cash Flow Statement) .
When should I use 3 Statements?
3 Statements fits situations like: asked to fill out model templates; complete existing model frameworks; populate financial models with data; complete a partially filled IS/BS/CF framework.
How do I install 3 Statements in Claude Code?
Run `npx skills add majiayu000/claude-skill-registry --skill 3-statements -a claude-code`. Or copy the skill folder (skills/business/3-statements in majiayu000/claude-skill-registry) into .claude/skills/3-statements in your project. Claude Code loads it when a task matches its description.
How do I install 3 Statements in Codex?
Run `npx skills add majiayu000/claude-skill-registry --skill 3-statements -a codex`. Or copy the skill folder (skills/business/3-statements in majiayu000/claude-skill-registry) into .agents/skills/3-statements in your project. Codex loads it when a task matches its description.
Can I use 3 Statements in Cursor, Gemini CLI or GitHub Copilot?
Cursor, Gemini CLI, GitHub Copilot and OpenCode also load SKILL.md folders. With the skills CLI, run `npx skills add majiayu000/claude-skill-registry --skill 3-statements -a cursor` (or -a gemini-cli, github-copilot or opencode for the others). To copy it by hand, put the folder in .cursor/skills/3-statements, .gemini/skills/3-statements, .github/skills/3-statements and .opencode/skills/3-statements in your project.
What does 3 Statements need to run?
SKILL.md names no scripts, command-line tools or credentials: 3 Statements is instructions for the agent only.
Does 3 Statements access the network?
SKILL.md contains no URLs. Any network use would come from the scripts or tools the agent runs. This is read from the text; nothing was executed.
Is 3 Statements safe to install?
Our automated static check of SKILL.md found no risky patterns, such as piping downloads into a shell, reading credential files or hidden Unicode. It is not a guarantee. Review the folder before installing.
What licence does 3 Statements use?
3 Statements is published under the MIT licence (the repository's licence). It allows redistribution, so the full SKILL.md is shown on this page.
How many tokens does 3 Statements use?
About 4.4k tokens (SKILL.md is roughly 18k characters). Agents keep only the skill's name and description in context until a task matches; then they load SKILL.md in full.
What are the alternatives to 3 Statements?
Skills that share tags, products or a category with 3 Statements: Money Finance (iamzifei/show-me-the-money, 1k stars), Longbridge Fundamentals (helsome/folio, 269 stars), Finance (travisjneuman/.claude, 101 stars) and Research Finance (alirezarezvani/claude-skills, 28k stars). The comparison table on this page puts their stars, adoption, token cost, safety result and licence side by side.
Who maintains 3 Statements?
majiayu000 (a GitHub user) maintains it in majiayu000/claude-skill-registry, which has 666 GitHub stars. The repository holds 1,273 skills in this directory. The repository was last updated on October 7, 2026.
Source: majiayu000/claude-skill-registry on GitHub. Facts on this page come from the repository at the commit we read; the author's words are quoted as theirs.