finance — independently scanned and version-tracked by SaferSkills.
SaferSkills independently audited finance (Agent Skill) and scored it 45/100 (orange). The audit ran 55 deterministic rules across Security, Supply Chain, Maintenance, Transparency, and Community; it found 1 high-severity and 0 lower-severity findings. The full rule-by-rule trace and per-finding evidence are below. Free, methodology-open.
Findings & checks · 1 flagged
A base64 string of 128+ characters appears in a documentation file. Encoded prompt injection hides the hostile instruction in base64 — invisible to keyword filters — and relies on the agent's ability to decode it at runtime. There is no normal authoring reason to embed a multi-hundred-byte base64 blob in skill docs.
*.sig, SIGNATURES) outside the documentation.Every scanned point with the score it earned and what moved between them.
First recorded scan — no prior version to compare against.
The primary manifest — the file an agent reads to learn what this artifact does.
Strategic financial frameworks for startup CFOs and founders. Numbers-driven, decisions-focused. Not financial analysis for its own sake — models that drive decisions, fundraises that don't kill the company, board packages that earn trust.
CFO, finance, financial model, burn rate, runway, unit economics, LTV, CAC, fundraising, Series A, Series B, term sheet, cap table, dilution, cash flow, board financials, FP&A, SaaS metrics, ARR, MRR, net dollar retention, gross margin, scenario planning, cash management, burn multiple, Rule of 40, Magic Number, ARPU, payback period, churn, revenue, P&L
Build bottoms-up models, not top-down fantasies.
Three-statement model: P&L → Balance Sheet → Cash Flow Headcount cost model: Loaded cost per role × hiring plan × timeline Revenue model: Customers × ARPU × retention × expansion
Projection principles:
Revenue Metrics:
| Metric | Formula | Healthy Benchmark |
|---|---|---|
| MRR | Sum of monthly recurring revenue | Growing MoM |
| ARR | MRR × 12 | >2x YoY at Series A/B |
| ARPU | MRR / # customers | Stable or growing |
| MoM Growth | (This month - Last month) / Last month | >15% early stage |
| Net New MRR | New + Expansion - Contraction - Churn | Positive |
| Quick Ratio | (New + Expansion) / (Contraction + Churn) | >4 excellent, >2 good |
Unit Economics:
| Metric | Formula | Healthy Benchmark |
|---|---|---|
| CAC | Total S&M spend / New customers | Declining over time |
| LTV | ARPU × Gross Margin / Monthly Churn Rate | >3x CAC |
| LTV:CAC | LTV / CAC | >3:1 |
| Payback Period | CAC / (ARPU × Gross Margin) | <12 months SaaS |
| Gross Margin | (Revenue - COGS) / Revenue | >70% SaaS |
Retention Metrics:
| Metric | Formula | Healthy Benchmark |
|---|---|---|
| Logo Churn | Customers lost / Starting customers | <5% monthly |
| Revenue Churn | MRR lost / Starting MRR | <3% monthly |
| Net Revenue Retention | (Start MRR + Expansion - Contraction - Churn) / Start MRR | >100% good, >120% great |
Capital Efficiency:
| Metric | Formula | Healthy Benchmark |
|---|---|---|
| Burn Rate | Monthly cash outflow | Track trend |
| Runway | Cash / Monthly Burn | >12 months |
| Burn Multiple | Net Burn / Net New ARR | <1.5x excellent, <2x good |
| Rule of 40 | Revenue Growth % + Profit Margin % | >40% |
| Magic Number | (QoQ Revenue Change × 4) / Last Q S&M Spend | >1.0 efficient |
| Revenue per FTE | ARR / # employees | Track trend |
Valuation models:
Term sheet essentials:
Data room contents: See references/investor-reporting.md
Runway extension tactics (non-dilutive):
Decision triggers:
Four dimensions to evaluate:
Growth & Retention: MRR growth, NRR, churn trends Unit Economics: CAC, LTV, payback, margins Capital Efficiency: Burn multiple, Rule of 40, Magic Number Strategic Position: Market share, competitive dynamics, PMF signals
Rate each: 🟢 Healthy | 🟡 Watch | 🔴 Action Required
references/financial-modeling.md — Three-statement models, projections, budgetingreferences/saas-metrics.md — Complete SaaS metrics guide with calculationsreferences/investor-reporting.md — Board financial packages, investor updates, data roomscripts/saas_metrics_calculator.py — Calculate all SaaS metrics from input datascripts/financial_model.py — Generate financial projections with scenarios~30 seconds. Free. No account. Every finding cites a rule and a line of evidence.