Providing banks three statement models | ModelReef

Lenders fund confidence - not spreadsheets that barely balance.

Every acquisition or refinancing hinges on a simple question: Can this business service its debt? But deal teams often rely on spreadsheets patched together under pressure-full of broken links, weak logic, and inconsistent assumptions. Model Reef automates valuation & M&A financial modeling, producing live, reconciled 3-statement models for banks that build instant lender confidence.

The hidden costs of manual lender models:

  • Broken formulas undermine lender-ready financial models
  • Inconsistent linking erodes trust in financial forecasting for M&A
  • Rebuilds waste time needed for diligence and pricing discussions
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Trusted by clients with over US$40bn under management.

Debt packages fail when the model fails first.

Banks expect connected, audit-ready statements that prove repayment capacity. But most deal teams juggle separate files for valuation, cashflow, and covenants-creating delays, version conflicts, and credibility risk. Model Reef unifies the process with live business valuation software that links P&L, cashflow, balance sheet, and debt schedules automatically, keeping every assumption consistent and defensible.

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See how Model Reef turns fractured spreadsheets into lender-ready precision.

These capabilities show how deal teams deliver credible models on the first attempt-not the fifth.

clarity-icon Connect Data

Import historicals and forecasts from accounting or ERP systems for consistent financial projections for lenders.

bot-icon Automate Debt Logic

Model Reef links drawdowns, repayments, interest, and covenants automatically for complete cash flow analysis tools.

forecasting-icon Generate Lender Outputs

Produce DSCR, leverage, and coverage dashboards instantly for confident scenario modeling for banks.

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A connected approach to valuation, credit, and M&A strategy.

Model Reef supports valuation committees and credit committees with one reconciled model-removing risk and accelerating approvals.

link-icon Step 1:
Connect Systems

Sync actuals and forecasts directly for accurate investment banking models.

model-building-icon Step 2:
Automate Statements

Model Reef applies GAAP logic to produce fully linked 3-statements for robust LBO and acquisition modeling.

forecasting-icon Step 3:
Deliver to Lenders

Export Excel/PDF submissions or share live access for transparent M&A decision support.

See how Model Reef standardises lender-grade forecasting.

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Close funding faster - and protect deal value.

Model Reef improves accuracy, reduces revision cycles, and strengthens lender trust at every stage of the deal.

real-time-icon Save Time

Save $50,000 per deal

Automate loan schedules and 3-statement linkages with reliable financial model automation.

boost-icon Increase Accuracy

Avoid $250,000 per deal in rework

Remove formula errors and version conflicts using consistent automated 3-statement models.

advisor-icon Protect Value

Preserve millions in pricing and terms

Demonstrate repayment capacity confidently using defensible risk assessment modeling.

See how teams achieve ROI with lender-grade models.

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The lender-ready forecasting toolkit built for deal teams.

These features equip valuation analysts, CFOs, and bankers to produce investor- and lender-proof models every time.

bot-icon Integrated 3-Statement Engine

Connects P&L, balance sheet, and cashflow instantly for audit-ready strategic financial planning.

deep-integration-icon Covenant Testing & Ratio Tracking

Calculate DSCR, leverage, and coverage ratios live with dependable funding readiness models.

model-icon Scenario Branching

Model rate, timing, or structure changes using flexible deal valuation tools.

collaboration-icon Audit Trail & Permissions

Track edits for governance-grade corporate finance tools and lender review.

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Security built for confidential lending and valuation data.

Model Reef protects sensitive financial assumptions and debt schedules with enterprise-grade controls.

xero-icon End-to-End Encryption

Safeguards all valuation and credit-related data in transit and at rest.

Audit-Level Tracking

Logs every adjustment for compliance-ready bank-ready business plans.

excel-icon Granular Access Control

Control read/edit access for lenders, advisors, and deal teams.

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 valuation & M&A financial modeling by replacing fragile spreadsheets with a fully connected, audit-ready engine. Every assumption - revenue, cost, synergies, debt, and working capital - flows through all three statements automatically. This eliminates the inconsistencies that slow diligence and weaken lender confidence. Deal teams can iterate quickly without risking broken logic. This speed and accuracy significantly enhance pricing discussions. These advantages make Model Reef a gold standard for valuation & M&A financial modeling.

3-statement models for banks require perfect alignment across the P&L, balance sheet, and cashflow - something spreadsheets rarely sustain. Model Reef automates GAAP-based linkage so every update recalculates instantly. Debt schedules, covenants, and repayment capacity remain accurate as scenarios shift. This ensures lenders see a clean, defensible model on the first review. Deal teams eliminate 90% of reconciliation work. These capabilities make Model Reef an exceptional engine for 3-statement models for banks.

Lender-ready financial models must be transparent, consistent, and mathematically sound. Model Reef enforces these standards with automated linkages, version tracking, and error-free debt logic. Lenders no longer question the underlying model or ask for repeated rebuilds. Instead, they review a coherent, defensible set of cashflows and ratios. This speeds approvals and strengthens negotiation leverage. These strengths define Model Reef as a premium solution for lender-ready financial models.

Business valuation software must integrate valuation logic with operational forecasts - not separate them into disconnected files. Model Reef connects DCF, IRR, and multiples directly to the underlying three-statement model. This gives partners confidence that valuation outcomes reflect real operating and cashflow conditions. Analysts save hours otherwise spent repairing links or validating logic. Investors benefit from more accurate and consistent valuation outputs. These capabilities elevate Model Reef as elite business valuation software for M&A teams.

Investment banking models demand speed, accuracy, and constant revision. Model Reef delivers this by automating operational, financing, and working-capital flows while maintaining a fully reconciled structure. Analysts can modify pricing, synergies, leverage, and timing assumptions instantly without breaking the model. This dramatically reduces pressure during diligence. Committees receive outputs they can trust, even under tight deadlines. These advantages redefine Model Reef as a modern engine for investment banking models.

Financial forecasting for M&A deals is complex because every assumption affects multiple statements. Model Reef links all drivers together, ensuring each scenario - upside, base, or downside - is reflected accurately. This makes it easier to identify value creation opportunities and financial risks. It also clarifies how deal terms affect cashflow and leverage. Lenders and investment committees benefit from more reliable projections. These strengths make Model Reef an exceptional solution for financial forecasting for M&A.

Scenario modeling for banks requires precision and rapid iteration. Model Reef enables real-time testing of interest rate changes, covenant adjustments, repayment schedules, and integration plans. All impacts flow through the statements instantly, producing accurate DSCR, leverage, and coverage metrics. This reduces back-and-forth queries and strengthens credit case preparation. Decision-makers can evaluate risk with far greater clarity. These capabilities make Model Reef an indispensable tool for scenario modeling for banks.

LBO and acquisition modeling demands rigorous debt logic, cashflow clarity, and scenario resilience. Model Reef automates interest, amortisation, tranches, covenants, and equity structures inside a single connected engine. Changes to purchase price, leverage, or synergies update instantly across all three statements. This prevents costly mispricing errors and strengthens deal conviction. Investors and lenders gain confidence because the logic is transparent and defensible. These strengths position Model Reef as a best-in-class platform for LBO and acquisition modeling.
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Forecasts lenders trust. Approvals you can count on.

Model Reef turns fragmented M&A spreadsheets into a single, connected lending model - giving credit committees the confidence to approve deals faster and on better terms.

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