Providing banks three statement models | ModelReef

Your lenders want accuracy - not another spreadsheet with broken links.

When applying for credit, refinancing, or covenant renewal, your model becomes the foundation of trust. But most lender packs rely on fragile spreadsheets that break under pressure. Model Reef automates lender reporting accuracy, produces fully linked 3-statement financial models, and delivers audit-defensible numbers bankers can rely on.

The hidden costs of manual lender models:

  • Broken formulas and mismatched statements that undermine accurate financial statements
  • Days lost repairing links instead of preparing for lender questions
  • Low confidence due to inconsistent financial reporting for banks
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Trusted by clients with over US$40bn under management.

A great funding story means nothing if the numbers don’t balance.

Lenders scrutinise every line. One missed interest expense or cashflow mismatch can derail a deal. Manual spreadsheets introduce risk, delay approvals, and damage credibility. Model Reef replaces them with connected financial consolidation software, automated linkages, and error-free corporate financial reporting that stands up to audit and lender review.

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See how Model Reef keeps every lender model accurate.

These capabilities demonstrate how Model Reef eliminates spreadsheet risk and accelerates lender-grade reporting.

clarity-icon Connect Your Data

Import historicals from Xero, QuickBooks, or ERP systems for consistent financial data accuracy.

bot-icon Automate Linkages

Model Reef ties the P&L, balance sheet, and cashflow automatically using built-in finance model automation.

forecasting-icon Generate Lender-Ready Outputs

Create forecasts, covenant tests, and funding scenarios for complete bank-ready financial models.

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A connected approach to lender-grade reporting.

Model Reef turns disconnected spreadsheets into one continuously reconciled reporting engine.

link-icon Step 1:
Connect Systems

Import actuals and assumptions for streamlined consolidation and reporting solutions.

model-building-icon Step 2:
Build Automatically

Model Reef links transactions, interest schedules, and working-capital movements for reliable financial forecasting.

forecasting-icon Step 3:
Report Confidently

Produce lender-ready dashboards and covenant packs for rigorous reporting for lenders.

See how Model Reef standardises lender-grade forecasting.

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Close faster, reduce audit risk, and strengthen lender confidence.

Model Reef removes manual errors, accelerates preparation time, and provides consistent reporting that builds trust with lenders and auditors.

clarity-icon Stronger Reporting Accuracy

Save $40,000 per year in lost time

Automate statement linking and eliminate spreadsheet maintenance with live automated 3-statement models.

collaboration-icon Reduced Reconciliation Errors

Avoid $75,000 in rework

Eliminate 95% of manual reconciliation issues using automated error-free financial consolidation.

forecasting-icon Higher Funding Success

Unlock millions in approval and pricing advantages

Present consistent, lender-trusted bank reporting tools that accelerate deal cycles.

See how finance teams achieve ROI from lender-grade reporting.

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The 3-statement modeling toolkit for lender-ready reporting.

These capabilities form the foundation of Model Reef’s connected 3-statement financial models.

real-time-icon Integrated 3-Statement Engine

Link P&L, balance sheet, and cashflow automatically for consistent corporate financial reporting.

clarity-icon Covenant & Ratio Testing

Calculate DSCR, leverage, coverage, and covenants live for accurate financial reporting for banks.

model-building-icon Scenario Toggles & Branching

Test revenue, cost, or capital structures using guided scenario planning for lenders.

collaboration-icon Collaboration & Audit Trail

Track all changes for transparent, audit-defensible business performance modeling.

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Security built for lender-grade reporting.

Model Reef protects sensitive financial and covenant data across every system and entity.

xero-icon End-to-End Encryption

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

Audit-Level Tracking

Captures every model change for defensible accurate financial statements.

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Assign permissions across teams, subsidiaries, or engagements for secure streamlined finance reporting.

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 lender reporting accuracy by eliminating fragile spreadsheets and replacing them with fully linked, automatically reconciled forecasts. Every figure in the model ties back to real accounting data, reducing errors that slow lender reviews. Cashflow, debt schedules, and ratios remain consistent even as assumptions change. This gives credit teams confidence in the numbers and accelerates approval timelines. These capabilities make Model Reef a trusted platform for lender reporting accuracy.

Model Reef functions as financial consolidation software by combining historicals, forecasts, and working-capital movements into one reconciled model. It automates P&L, balance sheet, and cashflow linkages, eliminating the manual mapping and formula issues seen in spreadsheets. This ensures data reliability throughout the credit submission process. Finance teams can produce accurate statements in minutes rather than days. These strengths position Model Reef as a modern engine for financial consolidation software.

Model Reef creates accurate 3-statement financial models by tying operating assumptions directly to cashflow, balance-sheet movements, and financing schedules. No formulas break, no tabs drift out of sync, and every change updates instantly. This ensures lenders receive clean, defensible financial logic. It also simplifies covenant testing and debt-service analysis. These advantages make Model Reef essential for producing reliable 3-statement financial models.

Model Reef enhances bank reporting tools by providing automated dashboards, covenant summaries, and lender-ready forecast packs generated from the same connected model. This replaces fragmented Excel files with consistent, audit-defensible reporting. Lenders receive transparent insight into liquidity, leverage, and forecast accuracy. Finance teams can share views securely and reduce time spent preparing submissions. These capabilities elevate Model Reef as next-generation bank reporting tools.

Accurate financial statements require consistent mapping, linked logic, and clean reconciliation - all automated in Model Reef. The platform updates statements as data changes, ensuring P&L, balance sheet, and cashflow always agree. This eliminates the mismatches that derail lender confidence. Teams can validate assumptions easily and present figures that hold up under audit. These features make Model Reef a powerful generator of accurate financial statements for lenders.

Model Reef streamlines consolidation and reporting solutions by centralising actuals, assumptions, and forecasts into one platform. It automates eliminations, scenario testing, and ratio calculations, allowing teams to produce lender-ready packs rapidly. This removes the friction of reconciling spreadsheets across entities or periods. It also strengthens governance and audit visibility. These capabilities transform traditional workflows into efficient consolidation and reporting solutions.

Finance model automation is delivered through Model Reef’s connected engine that automatically links statements, schedules, cashflow drivers, and covenant formulas. This removes manual model upkeep and ensures every scenario remains accurate. Teams can focus on strategy rather than formula maintenance. Lenders get clearer visibility into risk and repayment capacity. These advantages define Model Reef as a leader in finance model automation.

Reliable financial forecasting requires real-time recalculation of all statements as assumptions evolve. Model Reef provides this by updating revenue, cost, working-capital, and financing assumptions instantly through the entire model. This enables clean scenario analysis and more defensible lender conversations. Credit committees receive projections they can trust, backed by traceable logic. These strengths make Model Reef indispensable for reliable financial forecasting during credit assessment.
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Explore related consolidation and forecasting workflows.

Model Reef supports full-stack financial reporting, valuation, and performance management.

chart-circle-icon Multi-Entity Consolidation

Roll up subsidiaries, divisions, or clients for unified group reporting.

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Track working-capital movements in real time.

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model-building-icon Board Pack Automation

Generate investor- and lender-ready management reports automatically.

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chart-circle-icon Valuation & DCF Modeling

Build audit-defensible valuation models with connected financials.

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Explore all Model Reef use cases.

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Models that lenders trust - built automatically.

Model Reef turns manual spreadsheets into live, connected 3-statement models - accelerating approvals, improving accuracy, and strengthening lender relationships.

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