Providing banks 3-statement models | ModelReef

You’re approving financial decisions based on models you didn’t build - and can’t verify.

Boards and investors rely on verified financial models to make capital, lending, and oversight decisions. But when management scrambles to stitch together spreadsheets, numbers shift mid-meeting. Model Reef provides a single connected engine of 3-statement financial models - P&L, balance sheet, and cashflow - always tied out, always auditable, and always current.

The hidden costs of manual 3-statement modeling:

  • Decisions delayed due to inconsistent logic and formula failures
  • High risk of board-level misalignment caused by weak financial model transparency
  • Increased financing risk when forecasts can’t be verified in real time
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Trusted by clients with over US$40bn under management.

When forecasts don’t reconcile, confidence disappears.

Boards approve funding, lending, and strategic decisions based on management’s forecasts - but those models rarely use consistent logic. Broken links, circular references, and mismatched debt schedules erode trust. Model Reef replaces spreadsheet fragility with a live, connected corporate finance model that updates instantly and keeps all three statements mathematically correct and decision-ready.

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See how Model Reef keeps your 3-statement models governance-grade.

These capabilities show how boards replace spreadsheet guesswork with real-time verification and clarity.

clarity-icon Connect and Import Data

Pull historicals and budgets directly from accounting systems for accurate financial decision approval.

bot-icon Automate the Linkage

Model Reef connects revenue, expenses, working capital, and capital structure automatically for accurate financial forecasting.

forecasting-icon Deliver Confidence

Generate lender-ready outputs and board reports using fully reconciled audit-ready financial models.

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A connected approach to lender-grade modeling.

Model Reef unifies management assumptions, board oversight, and lender requirements in one fully traceable model.

link-icon Step 1:
Connect Data

Sync accounting actuals or import Excel models to build reliable 3-statement financial models.

model-building-icon Step 2:
Build the Model

Automate all operating, investing, and financing linkages with built-in risk assessment models.

forecasting-icon Step 3:
Review & Approve

Share reconciled, governance-grade outputs for confident model-driven decision making.

See how Model Reef standardises 3-statement workflows.

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Stronger oversight, faster approvals, and fewer reporting risks.

Model Reef helps boards reduce delays, improve trust, and prevent costly errors before they affect capital decisions.

clarity-icon Faster Board Packs

Save $40,000 per year in lost time

Reduce prep time by 90% with real-time board reporting tools.

collaboration-icon More Reliable Forecast Outputs

Avoid $250,000 in rework

Remove 95% of reconciliation issues with connected financial control tools.

forecasting-icon Better Capital Decisions

Unlock millions through verified insights

Use consistent business valuation models to avoid misinformed investments and lending decisions.

See how boards gain ROI from verified modeling.

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The 3-statement oversight toolkit for governance and investment committees.

These connected capabilities help boards evaluate financial performance, risk, and solvency with confidence.

real-time-icon Live 3-Statement Engine

Every assumption updates all statements instantly for trusted financial planning automation.

clarity-icon Scenario Toggles

Model revenue, cost, and debt changes with real-time scenario analysis for boards.

model-building-icon Collaboration & Permissions

Control edit rights and comments for transparent investor reporting software workflows.

collaboration-icon Audit Trail & Version History

Track every assumption change for compliance-ready verified investment models.

Explore all 3-statement modeling features.

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Security built for confidential board and investor decisions.

Model Reef protects sensitive financials and forecasts with enterprise-grade controls designed for governance and oversight.

xero-icon End-to-End Encryption

Safeguards forecasts and financial assumptions in transit and at rest.

Audit-Level Tracking

Every change logged to support transparent investor decision support.

excel-icon Granular Access Control

Set read-only or edit permissions by committee, subsidiary, or user group.

See how Model Reef keeps your data secure →

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Questions before you start?

Here are the most common questions we get asked in demos.

Model Reef strengthens financial decision approval by ensuring all three statements are reconciled, auditable, and aligned with real-time data. Boards no longer rely on spreadsheets that break during review cycles or require manual verification. Every input flows through a consistent financial logic engine, reducing uncertainty during funding, refinancing, or capital planning. This increases confidence in discussions where decisions must be made quickly and accurately. Stakeholders can trust the integrity of the model at every stage. These capabilities give boards a stronger foundation for financial decision approval.

Verified financial models require accuracy, consistency, and transparency - all areas where spreadsheets fall short. Model Reef produces audit-ready outputs by linking revenue, expenses, working capital, and debt schedules in one unified structure. As assumptions change, all three statements recalculate instantly. This prevents issues like circular references or mismatched cashflow logic that undermine trust. Boards and lenders can review the model without questioning its integrity. These strengths make Model Reef a dependable source of verified financial models.

Model Reef improves board reporting by generating governance-grade packs that stay aligned with the underlying 3-statement model. Directors no longer receive conflicting spreadsheets or outdated snapshots. Every board view reflects live, fully reconciled financials, including covenants, liquidity metrics, and forecasted performance. Scenario reporting becomes seamless, enabling faster comparisons during meetings. These efficiencies streamline preparation and reduce manual work for finance teams. Together, these benefits deliver high-quality board reporting tools across all reporting cycles.

Investor reporting requires accuracy, clarity, and real-time visibility into underlying assumptions. Model Reef provides a structured reporting layer that uses the same data and logic as the reconciled 3-statement model. Investors can access governed dashboards without waiting for manual updates. This ensures reporting consistency across refinancing, valuation, or capital-raise discussions. Advisors can share controlled access for transparent collaboration. These capabilities allow firms to deliver reliable investor reporting software outputs that inspire confidence.

Accurate forecasting becomes difficult when logic breaks or assumptions diverge across spreadsheets. Model Reef automates revenue, cost, working-capital, and financing linkages so every forecast remains mathematically consistent. Boards and lenders receive clear projections that reflect real operating performance, not manual overrides. This improves the reliability of long-range planning and risk analysis. Users can test changes instantly without rewriting formulas. These strengths make Model Reef a trusted engine for accurate financial forecasting.

Corporate finance models must reflect operational reality while remaining transparent and auditable. Model Reef enforces structural consistency across the P&L, balance sheet, and cashflow, eliminating mismatches that create confusion during review. This simplifies debt modeling, covenant tracking, and working-capital analysis. Boards gain a clear, cohesive understanding of financial implications across scenarios. Finance teams avoid rework and reduce the risk of presenting incorrect numbers. These improvements define a new standard for modern corporate finance models.

Risk assessment improves when every assumption flows through a consistent, traceable model. Model Reef enables boards to test interest-rate changes, cost adjustments, covenant movements, and capital-structure scenarios in real time. Outcomes are always tied to accurate and reconciled statements. This reduces the uncertainty that often complicates lender and board approvals. Committees can review risk with complete transparency into every driver. These capabilities support robust and defensible risk assessment models.

Valuation clarity depends on consistent, reliable inputs - especially when decisions involve refinancing, capital raises, or acquisitions. Model Reef ties valuation-ready outputs directly to a reconciled 3-statement model, eliminating the inconsistencies found in standalone spreadsheets. Boards can evaluate value impacts under different scenarios with greater confidence. This supports clearer judgments about equity, debt, runway, and long-term strategic options. Investors also gain transparency into how valuation responds to operational shifts. These strengths enhance the quality of business valuation models for governance.
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Explore related oversight and governance workflows.

Model Reef supports board-grade decision-making across funding, valuation, and performance.

chart-circle-icon Businesses Preparing to Raise Funds

Review valuation, dilution, and capital-need scenarios before approval.

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forecasting-icon Discounted Cashflow

Evaluate intrinsic value using consistent, auditable DCF rules.

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model-building-icon Companies in Cash Burn Positions

Monitor runway and capital risk with live liquidity insight.

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Compare performance and growth across portfolio companies.

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Explore all Model Reef use cases for boards and investors.

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One model. Three statements. Infinite confidence.

Model Reef gives boards and investors a single source of financial truth - connected, auditable, and always aligned with management’s actuals.

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Trusted by clients with over US$40bn under management.