Finagraph

Finagraph is a highly specialized, incredibly potent, and fiercely focused financial analysis platform that completely ignores Wall Street trading and corporate FP&A to focus entirely on the "Commercial Lending and Credit Analysis" sector. When a small business applies for a $2 Million loan from a regional bank, Finagraph is the software the bank's underwriter uses to analyze the risk. The absolute core differentiator of Finagraph is its "One-Click Accounting System Ingestion." Historically, an underwriter would ask a small business owner for a PDF of their tax returns and manually type the numbers into an Excel model. Finagraph allows the business owner to click a button and instantly, securely link their QuickBooks, Xero, or Sage accounting software directly to the bank. Finagraph instantly ingests the raw accounting data, normalizes it, and automatically generates a highly complex, visual risk profile for the underwriter. It instantly flags if the business's "Days Sales Outstanding" (how long it takes them to get paid) is dangerously high, or if their cash flow cannot support the loan payments. For commercial banks, credit unions, and alternative lenders, Finagraph drastically accelerates the loan decision process from weeks to minutes.