Proving banks three statement models | ModelReef

Your bank doesn’t just want a forecast - it wants proof.

When applying for funding, your financial model becomes the foundation of lender trust. But most submissions rely on fragile spreadsheets that are outdated, inconsistent, and impossible to audit. Model Reef automates 3-statement models, linking P&L, balance sheet, and cashflow into one connected, lender-ready system that reconciles perfectly - every time.

The hidden costs of spreadsheet lender models:

  • Fragile files undermine financial modeling for banks
  • Inconsistent logic delays bank-ready financial statements
  • Version chaos weakens business forecasting proof
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Trusted by clients with over US$40bn under management.

A weak model turns every funding conversation into a risk conversation.

Banks lose confidence immediately when they see broken links or mismatched schedules. Manual spreadsheets can’t keep up with changing rates, repayment terms, or working-capital shifts. Model Reef eliminates this uncertainty with automated, audit-ready logic - giving lenders the cashflow validation and transparency they need to approve capital quickly.

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See how Model Reef turns fragile spreadsheets into lender-ready clarity.

These capabilities show how finance teams submit accurate, defensible models on the first try.

clarity-icon Connect Financial Data

Pull actuals from Xero, QuickBooks, or ERP systems for clean investment-ready financial model creation.

bot-icon Automate Debt & Interest Logic

Model Reef links drawdowns, repayments, and interest schedules automatically for strong financial planning for funding.

forecasting-icon Generate Lender-Ready Outputs

Produce live covenants, ratios, and three-statement packages for complete lending decision support.

Watch a demo to see how lender-grade modeling works.

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A connected approach to compliance, clarity, and capital approvals.

Model Reef centralises forecasting, debt modeling, and covenant testing into one trusted framework.

link-icon Step 1:
Connect Your Systems

Sync actuals and forecasts securely for consistent funding approval documentation.

model-building-icon Step 2:
Automate Linkages

Let Model Reef build complete P&L, balance sheet, and cashflow linkages for reliable proof of financial viability.

forecasting-icon Step 3:
Deliver to Lenders

Export lender-ready forecasts or share live dashboards for transparent three-statement financial model review.

See how teams submit audit-defensible models in hours.

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Faster approvals. Fewer revisions. More credibility.

Model Reef reduces errors, accelerates submissions, and strengthens your negotiating position.

real-time-icon Save Time

Save $50,000 per year in reclaimed efficiency

Automate debt schedules and eliminate rebuilds using connected bank-ready projections.

boost-icon Improve Accuracy

Avoid $250,000 per year in errors avoided

Prevent 95% of reconciliation mistakes with structured scenario analysis for banks.

advisor-icon Protect Valuation

Unlock millions in incremental financing confidence

Win faster approvals with transparent, defensible financial validation for loans.

See how teams achieve ROI with lender-grade modeling.

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The lender-ready toolkit built for CFOs, controllers, and finance advisors.

These features provide the clarity and precision lenders require - without spreadsheet fragility.

bot-icon Integrated 3-Statement Engine

Automatically links P&L, balance sheet, and cashflow for reliable raising capital success.

deep-integration-icon Covenant & Ratio Testing

Calculate DSCR, leverage, and coverage ratios live using compliant Proving banks logic.

model-icon Scenario Toggles & Branching

Test revenue, cost, or interest-rate assumptions instantly for accurate financial modeling for banks.

collaboration-icon Collaboration & Audit Trail

Track changes and control access for clean business finance transparency.

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Security your bank - and your board - can trust.

Model Reef protects every assumption and input with enterprise-grade controls.

xero-icon End-to-End Encryption

Protects all lending and funding data in transit and at rest.

Audit-Level Tracking

Logs every update for transparent automated financial reporting.

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Restrict editing or viewing to lenders, auditors, or internal teams only.

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 helps companies raise capital by providing banks with consistent, reconciled financial outputs that replace fragile spreadsheet submissions. Because every assumption flows cleanly through the P&L, balance sheet, and cashflow, lenders see a model they can trust immediately. This reduces back-and-forth and accelerates approvals. Teams avoid manual rebuilds and present transparent numbers tied directly to live actuals. These capabilities dramatically strengthen confidence when raising capital from banks and credit providers.

Proving banks requires structured, audit-ready logic - not inconsistent formulas. Model Reef synchronizes actuals, automates debt schedules, and ensures all three statements reconcile every time. Lenders gain certainty because ratios, covenants, and cashflow outputs update instantly with every assumption change. This prevents the red flags triggered by broken spreadsheets. These strengths help companies demonstrate reliability and strengthen their case when proving banks during funding reviews.

Model Reef automates 3-statement models by linking operating, investing, and financing logic into a single connected engine. No formulas break, no tabs fall out of sync, and no manual recalculations are required. This produces clean, ready-to-submit lender packages in hours rather than weeks. Teams can model multiple cases without duplicating files. These efficiencies establish Model Reef as a best-in-class system for automated 3-statement models.

Financial modeling for banks must withstand scrutiny from credit teams, auditors, and risk committees. Model Reef ensures all calculations are GAAP-aligned and fully traceable. Debt, interest, covenants, and repayment logic update automatically as assumptions shift. Lenders gain confidence in the borrower’s ability to manage obligations. This reduces revision cycles and speeds up underwriting. These capabilities significantly elevate financial modeling for banks.

Bank-ready financial statements must be accurate, consistent, and clearly tied to supporting assumptions. Model Reef generates these statements automatically by linking real-time financial data to a fully reconciled P&L, balance sheet, and cashflow. This eliminates inconsistencies that cause delays in credit review. Lenders can rely on ratio outputs, DSCR, leverage metrics, and liquidity forecasts without questioning the underlying logic. These strengths produce truly dependable bank-ready financial statements.

Lenders require business forecasting proof that shows real-world financial viability, not optimistic projections. Model Reef integrates historicals, actuals, scenario cases, and covenant logic into one system. This provides lenders with transparency on risks, assumptions, and cashflow outcomes. Teams can demonstrate the impact of price changes, cost cuts, or financing adjustments instantly. These insights give lenders assurance in the company’s financial discipline. This is the foundation of credible business forecasting proof.

Preparing an investment-ready financial model becomes faster when all statements reconcile instantly. Model Reef automates debt schedules, covenant testing, interest flows, and working-capital modeling. This allows teams to present lenders with a polished, defensible model on the first submission. Investors and banks see consistency across every scenario rather than disconnected spreadsheets. These efficiencies elevate the quality of any investment-ready financial model submitted for funding.

Lending decision support improves when lenders can test scenarios quickly and trust the underlying data. Model Reef allows them to adjust rate changes, repayment structures, or revenue assumptions and see real-time impacts on DSCR, coverage ratios, and liquidity. This reduces risk concerns and shortens approval cycles. Advisors can also collaborate using controlled access and complete audit trails. These capabilities transform Model Reef into a powerful engine for lending decision support.
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Model Reef supports every stage of capital readiness - from valuation to runway planning.

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Explore all Model Reef use cases for raising capital.

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Deliver forecasts lenders trust - automatically.

Model Reef replaces spreadsheet fragility with a connected three-statement engine - giving CFOs and finance teams a single, audit-ready model that accelerates approvals and strengthens lender confidence.

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