Providing banks 3 statement models | ModelReef

Your bank wants answers - not another spreadsheet full of links.

When lenders request a 3-statement forecast, CFOs scramble to reconcile formulas, fix broken links, and justify assumptions that don’t flow through cleanly. Model Reef replaces fragile spreadsheets with automated 3-statement financial models, giving finance leaders reliable CFO financial modeling tools that banks, auditors, and boards trust.

The hidden costs of manual bank reporting:

  • Models break during lender review, weakening financial decision-making tools
  • Cashflow mismatches and circular references slow credit approvals
  • Finance teams waste days fixing spreadsheets instead of negotiating better terms
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Trusted by clients with over US$40bn under management.

When the forecast doesn’t reconcile, credibility disappears

Most lender models are assembled under pressure - linked across dozens of tabs that rarely stay balanced. A single mistyped row or broken formula can stall approvals and undermine confidence. Model Reef brings governance-grade accuracy to every assumption, combining automated logic with consistent bank reporting solutions and stronger oversight for every submission.

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See how Model Reef turns spreadsheets into lender-ready confidence.

These capabilities show how finance teams accelerate submissions with error-free models.

clarity-icon Connect Your Data

Import actuals and budgets directly from accounting systems for clean investment-ready financial statements.

bot-icon Automate the Linkage

Model Reef links P&L, balance sheet, and cashflow instantly using GAAP-based logic - eliminating streamlined financial reporting issues.

forecasting-icon Deliver Lender Confidence

Generate reconciled, auditable outputs with live ratios and covenants for bank reporting solutions.

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A connected approach to bank-grade modeling.

Model Reef ensures every assumption ties through to lending metrics, covenants, and solvency indicators without manual work.

link-icon Step 1:
Connect Data

Sync historicals and forecasts to form a single source of truth for financial planning for CFOs.

model-building-icon Step 2:
Link Statements Automatically

Automate P&L, cashflow, and balance sheet logic with robust automated 3-statement models.

forecasting-icon Step 3:
Generate Lender Reports

Share bank-ready models with ratios, covenants, and sensitivity outputs built in for banking compliance models.

See how Model Reef standardises lender-grade workflows.

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Speed up submissions, eliminate errors, and negotiate from a position of strength.

Model Reef gives CFOs and finance teams the accuracy, speed, and confidence needed for capital negotiations.

clarity-icon Faster Lending Submissions

Save $50,000 per year in lost time

Cut preparation and review time by 75% using connected CFO-friendly financial tools.

collaboration-icon More Accurate Financial Models

Avoid $250,000 in rework

Eliminate formula failures and mislinked statements for consistent accurate forecasting solutions.

forecasting-icon Better Funding Outcomes

Unlock millions in approvals and pricing

Submit investor-grade numbers backed by transparent business valuation models and lender-trusted logic.

See how CFOs achieve ROI with automated lender modeling.

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The 3-statement toolkit built for CFOs and finance teams.

These features help finance leaders deliver reliable, auditable models for banks, boards, and investors.

real-time-icon Integrated 3-Statement Engine

All statements update together automatically for consistent cashflow forecasting software outputs.

clarity-icon Covenant Testing

Calculate debt ratios and coverage metrics live for stronger investment analysis for banks.

model-building-icon Scenario Analysis

Test interest-rate, revenue, or repayment changes using scenario analysis for finance teams.

collaboration-icon Audit Trail & Permissions

Track every edit for fully compliant financial control tools.

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Security built for bank-level financial oversight.

Model Reef protects sensitive lending and performance data with enterprise-grade safeguards.

xero-icon End-to-End Encryption

Secures all financial and covenant data in transit and at rest.

Audit-Level Tracking

Captures all changes to support transparent financial model transparency and compliance.

excel-icon Granular Access Control

Set read/edit permissions for lenders, executives, analysts, or board members.

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 improves CFO financial modeling by replacing fragile spreadsheets with a connected engine that keeps every assumption tied to the P&L, balance sheet, and cashflow. CFOs no longer risk presenting numbers that don’t reconcile under lender scrutiny. Real-time updates ensure forecasts reflect the latest operational data. Finance teams can run scenarios quickly without breaking formulas. This improves credibility when negotiating loan terms or credit limits. These advantages make Model Reef a more dependable solution for CFO financial modeling.

Finance team tools must produce accurate, audit-ready outputs at speed - something spreadsheets rarely achieve. Model Reef automates linkage across all statements, reducing manual effort and eliminating common reconciliation errors. Finance teams can collaborate in one environment instead of exchanging outdated files. The platform also supports consistent validation for covenants, ratios, and liquidity metrics. This efficiency frees teams to focus on negotiation rather than model repair. These benefits position Model Reef as a modern suite of finance team tools for lender submissions.

Model Reef ensures 3-statement financial models remain fully reconciled by updating operating, investing, and financing flows together in real time. This eliminates circular references and mismatched schedules that usually appear in spreadsheet forecasts. CFOs can demonstrate clean financial logic to banks and auditors without lengthy reconciliation work. Forecast accuracy improves because every adjustment is tied to a consistent ruleset. This strengthens trust during credit evaluation processes. These features support robust 3-statement financial models designed for lender review.

Bank reporting typically involves rebuilding spreadsheets, validating assumptions, and formatting outputs manually. Model Reef automates all these steps, producing standardized lender-ready formats instantly. CFOs can export clean covenant summaries, liquidity profiles, and funding scenarios without reconstructing models. Banks receive clear, consistent information that accelerates approval timelines. Finance teams avoid the compliance risks associated with outdated models. These improvements make Model Reef an efficient platform for bank reporting solutions.

Financial planning for CFOs improves when forecasts are accurate, traceable, and scenario-driven. Model Reef enables CFOs to adjust financing terms, repayment structures, and operating assumptions while maintaining a fully balanced model. This clarity helps leaders present more confident strategies to lenders. It also speeds internal decision-making because all stakeholders review one reliable source of truth. These advantages strengthen long-range cash, debt, and capital planning. Model Reef therefore enhances financial planning for CFOs throughout the loan process.

Banks rely on accurate, defensible financial forecasts when assessing credit risk. Model Reef provides automated calculations for DSCR, leverage, liquidity, and covenant compliance - all tied to a reconciled model. This ensures that investment analysis remains transparent and reliable across changing scenarios. CFOs can test rate increases, refinancing decisions, or funding events without breaking logic. Banks receive cleaner insights supported by consistent operating data. These strengths enable more dependable investment analysis for banks.

Business valuation models often break when built in disparate spreadsheets. Model Reef ensures value drivers - cashflow, growth, margins, capex, and capital structure - all stay connected in one environment. CFOs can produce consistent valuation outputs tied to the same model used for forecasting and covenant testing. This improves clarity during lender discussions around enterprise value and risk. Banks gain confidence because the valuation reflects reconciled financial statements. These features elevate Model Reef’s role in supporting business valuation models for credit decisions.

Scenario analysis becomes significantly faster when every assumption flows through a unified modeling engine. Model Reef allows finance teams to test downside cases, interest-rate shocks, revenue changes, or funding delays without rebuilding spreadsheets. Results update instantly across all statements, providing clearer insights during negotiation cycles. Teams can confidently share lender-ready sensitivities that reflect real business conditions. This reduces risk and strengthens the negotiation position. These benefits make Model Reef ideal for scenario analysis for finance teams.
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Lender-ready models - in hours, not weeks.

Model Reef gives CFOs a connected, auditable 3-statement engine that eliminates errors, accelerates approvals, and builds lender confidence.

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