Pigment Business Studio

Pigment Business Studio is an offline financial planning and analysis (FP&A) and business modeling application.
This application provides interactive tools to model financial scenarios, calculate cash runway, and evaluate SaaS business metrics.

Whether navigating high-growth expansion or managing conservative capital preservation, the studio provides an executive cockpit to stress-test your business model in real time with responsive sliders, dynamic visual curves, and deep scenario modeling.

KEY FP&A STUDIOS & MODULES:

1. EXECUTIVE HEALTH COCKPIT
• Real-time financial health index dial (0–100 score)
• 12-month ARR trajectory sparkline with interactive growth curves
• Instant visibility into core KPIs: ARR, Gross Margin, Net Burn, and Valuation

2. CASH RUNWAY & BURN STUDIO
• Circular runway dial gauge with survival zone color grading
• Real-time countdown to your zero-cash horizon date
• Fine-tune gross monthly spend, gross margin, and liquid cash reserves

3. WHAT-IF SCENARIO PRESET LAB
• Test macro environments in a single tap:
- Hyper-Growth: Aggressive hiring and high-velocity acquisition
- Default Alive: Autonomy path to cash-flow breakeven
- Frost Winter: Conservative capital preservation and cost freeze
- Venture Scale: Series A/B metrics and expansion readiness

4. REVENUE & MRR SPECTRUM
• Annualized Run-Rate (ARR) vs Monthly Recurring Revenue (MRR)
• Monthly inflow breakdown: New MRR, Expansion MRR, and Logo Churn
• 12-month projected ARR growth curve

5. UNIT ECONOMICS & EFFICIENCY
• Precision LTV:CAC scale and benchmark analysis
• Payback period timeline (months to CAC recovery)
• ARPU optimization and customer churn sensitivity

6. HEADCOUNT & PAYROLL MODELER
• Departmental headcount adjusters: Engineering, Sales, Marketing, and G&A
• Loaded salary compensation with employer taxes and overhead
• Revenue generated per employee (ARR / FTE) metric

7. BURN MATRIX & OPEX BREAKDOWN
• Multi-segment OPEX distribution: Payroll, Cloud Infrastructure, SaaS Tools, and G&A
• Discretionary spend adjusters to pinpoint cost reduction levers

8. VALUATION & CAPITAL DILUTION STUDIO
• Implied enterprise valuation based on market ARR multiples (2x to 30x)
• Financing round simulator: Pre-money valuation, target capital raise, and post-money dilution %

9. PRICING & TIER ELASTICITY
• 3-tier architecture: Starter, Professional, and Enterprise
• Blended weighted ARPU calculation and plan mix distribution

10. SAAS RULE OF 40 STUDIO
• Institutional benchmark calculation: YoY Growth Rate + Profit Margin
• Performance scorecard: Elite SaaS (>40%) vs scaling adjustments

11. LIQUIDITY & BALANCE SHEET GAUGE
• Current Ratio, Working Capital buffer, and solvency checks
• Cash Conversion Cycle (CCC): Days Sales Outstanding (DSO) vs Days Payable (DPO)

12. TAX & DEPRECIATION ATELIER
• EBITDA to Net Profit income statement walk
• Capex investments, straight-line depreciation amortization, and corporate tax liability

13. STRATEGIC MILESTONE ROADMAP
• Benchmark tracking: $100k MRR, $1.0M ARR Horizon, Cash-Flow Breakeven, and $10M Scale
• Visual progress meters and achievement statuses

14. EXECUTIVE BOARD REPORT
• Clean, formatted financial summary card
• One-tap export to clipboard for seamless investor updates and team briefings

15. STUDIO PREFERENCES & MULTI-CURRENCY
• Multi-currency support: USD ($), EUR (€), GBP (£), SAR (SAR), AED (AED), and JPY (¥)
• Studio dark Lightroom aesthetic designed for focused analytical work