Providing banks 3-statement models | ModelReef

If your P&L doesn’t match your cashflow, your story doesn’t add up.

Founders need investor-grade financials, but spreadsheets make P&L vs cashflow analysis unreliable. Links break, statements drift apart, and every board pack requires another rebuild. Model Reef automates financial statement reconciliation, connecting P&L, balance sheet, and cashflow into one live, investor-ready model that always reconciles

The hidden costs of disconnected statements:

  • Forecasts that conflict between profit, cash, and balance sheet
  • Missed opportunities due to fragile business financial modeling
  • Weakened credibility when 3-statement models for banks don’t tie out
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Trusted by clients with over US$40bn under management.

Disconnected models create disconnected decisions.

Founders need to understand not just profits - but when the cash arrives. Yet most spreadsheet models isolate revenue, costs, and cash in separate files that fall out of sync. By the time the board meets, the numbers have changed, and investor trust erodes. Model Reef ensures perfect accounting and cashflow alignment, giving founders clean, consistent, and defensible statements every time.

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See how Model Reef automates 3-statement modeling for founders.

These capabilities show how quickly you can move from fragile templates to investor-ready clarity.

clarity-icon Connect Your Data

Sync financials from Xero, QuickBooks, or spreadsheets for accurate cashflow projection for businesses.

bot-icon Automate the Linkage

Model Reef applies GAAP-based linking logic automatically across P&L, balance sheet, and cashflow for complete profit and loss accuracy.

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Create base, stretch, and conservative scenarios and share live views with stakeholders using investor-ready financial statements.

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A connected approach to forecasting, reporting, and valuation.

Model Reef keeps every statement synchronized - powering every downstream decision, from valuation to fundraising.

link-icon Step 1:
Connect Data

Import historicals or forecasts directly for reliable financial reporting for companies.

model-building-icon Step 2:
Link Statements

Automate revenue, cost, capital, and working-capital linkages for consistent cashflow forecasting for founders.

forecasting-icon Step 3:
Share Results

Distribute investor-grade outputs with live, reconciled statements for confident financial decision-making.

See how Model Reef standardises 3-statement forecasting.

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Save time, reduce errors, and defend every number you present.

Founders gain confidence, speed, and control when every statement connects flawlessly.

clarity-icon Faster Board & Investor Prep

Save $30,000 per year in reclaimed time

Replace manual linking with automated automated 3-statement models.

collaboration-icon Cleaner, More Accurate Models

Avoid $150,000 in rework

Eliminate 95% of reconciliation issues with consistent financial statement reconciliation.

forecasting-icon Stronger Valuation Outcomes

Unlock $300,000 in scalable efficiency

Defend valuation with connected business valuation modeling that links cash, profit, and balance-sheet logic.

See how founders achieve ROI with connected 3-statement modeling.

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The 3-statement toolkit built for founders raising capital.

These features support clean, accurate, investor-grade financial modeling - without spreadsheet failure.

real-time-icon Automated 3-Statement Model

Generate fully linked statements instantly for reliable financial insights for startups.

clarity-icon Scenario Branching

Test growth and cost plans for board-ready scenario analysis for startups.

model-building-icon Valuation & DCF Integration

See how operational adjustments change business value through integrated strategic financial planning.

collaboration-icon Audit Trail & Collaboration

Track every assumption and update securely with flexible founders financial modeling access.

Explore all 3-statement features.

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Security built for investor-grade financial modeling.

Model Reef protects sensitive forecasts, assumptions, and investor deliverables with governance-grade controls.

xero-icon End-to-End Encryption

Secures all financial and cashflow data at rest and in motion.

Audit-Level Tracking

Captures every change for strict financial reporting for companies compliance.

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Set view-only or edit permissions for teams, advisors, or investors.

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 solves the biggest issue in P&L vs cashflow analysis: spreadsheets rarely keep profit, cash movement, and balance sheet logic aligned. The platform connects all three statements automatically, ensuring every assumption flows through cleanly. Founders can finally see the true timing difference between revenue recognition and cash collection. This prevents misunderstandings in board meetings and investor conversations. With one consistent model, strategy becomes more data-driven and predictable. These capabilities make Model Reef a powerful tool for P&L vs cashflow analysis.

Financial statement reconciliation becomes far easier when every figure updates from a single logic engine. Model Reef eliminates the mismatched tabs and broken formulas that slow founders down during investor prep. Each change to revenue, hiring, or spend instantly updates the P&L, balance sheet, and cashflow together. This ensures accuracy across scenarios and removes last-minute cleanup work. Investors gain confidence knowing the statements actually tie out. These strengths make Model Reef ideal for financial statement reconciliation.

Banks require a 3-statement model for lending decisions because they must see how profit, cashflow, and balance sheet strength align. Model Reef automates this structure, preventing errors that traditionally undermine lender confidence. Founders can test repayment capacity, runway, and capital requirements without breaking formulas. This simplifies diligence and accelerates approval timelines. It also reduces risk by ensuring every scenario remains mathematically correct. These advantages make Model Reef an essential foundation for a 3-statement model for banks.

Cashflow forecasting for founders is difficult when spending, hiring, and revenue assumptions live in separate spreadsheets. Model Reef unifies all drivers, updating cashflow forecasts in real time with every change. This gives founders clear insight into liquidity risk, funding gaps, and expected runway. They can test fundraising timing and cost-reduction scenarios with full accuracy. This eliminates surprises that undermine investor trust. These capabilities deliver truly reliable cashflow forecasting for founders.

Profit and loss accuracy is compromised when spreadsheets break or rely on disconnected assumptions. Model Reef solves this with GAAP-aligned logic that recalculates revenue, cost, and margins automatically. Each update flows into cashflow and balance sheet projections, keeping everything aligned. Founders can present numbers that withstand scrutiny without spending days validating formulas. This also strengthens credibility during valuation discussions. These strengths help maintain consistent profit and loss accuracy throughout the raise.

Business financial modeling is more reliable when every assumption, driver, and scenario belongs to one connected engine. Model Reef prevents the fragmentation that comes from maintaining multiple Excel files. Founders can model pricing, hiring, spend, and fundraising strategies without worrying about broken links. Every statement updates instantly, making it easier to explain decisions to investors. This provides a clean foundation for growth and governance. These benefits significantly improve business financial modeling.

Investor-ready financial statements must be accurate, reconciled, and defensible under pressure. Model Reef ensures all statements remain aligned and audit-ready even as assumptions change. Founders can share live, read-only views with investors, eliminating the risks associated with sending multiple spreadsheet versions. This transparency strengthens trust and accelerates due diligence. Boards and investors see the same numbers at every stage of the raise. These capabilities produce consistently reliable investor-ready financial statements.

Scenario analysis for startups becomes more useful when scenarios remain linked to the same underlying financial logic. Model Reef allows founders to test conservative, base, and aggressive cases without duplicating spreadsheets. Revenue fluctuations, hiring adjustments, or funding delays update across all three statements automatically. This makes planning more resilient and reduces strategic blind spots. Investors appreciate seeing structured scenarios grounded in real numbers. These advantages elevate the quality of scenario analysis for startups.
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Explore related workflows for founders and companies.

Model Reef supports forecasting, valuation, capital planning, and liquidity oversight in one connected platform.

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One model. Three statements. Endless confidence.

Model Reef keeps P&L, balance sheet, and cashflow perfectly aligned - helping founders tell a financial story investors never need to question.

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