Automated financial spreading and ratio analysis.
Fineksi reads audited and in-house financial statements, spreads the balance sheet, income statement, and cash-flow statement automatically, and computes the ratios your credit team needs - without retyping a single number.
In short
What is financial statement analysis?
Financial statement analysis is the review of a company's balance sheet, income statement, and cash-flow statement to judge its financial health and ability to repay. Financial spreading is the step of transferring those figures into a standard format so ratios can be calculated and compared across periods. Fineksi automates both: it extracts the figures, structures them, and calculates the ratios.
- 40×
- faster document processing
- 80%
- Productivity increased
- 99%
- accuracy up to
What it reads
What Fineksi extracts from financial reports
Full statements spread automatically, with efficiency and leverage ratios computed.
Balance sheet
Assets, liabilities, and equity are captured line by line and mapped into a consistent structure.
Income statement
Revenue, cost of goods sold, operating expenses, and profit lines are extracted across reporting periods.
Cash-flow statement
Operating, investing, and financing cash flows are read directly from the report.
Statement of changes in equity
Capital movements and retained earnings are captured alongside the main statements.
Ratios computed
Efficiency and leverage ratios such as DSCR, debt-to-equity, and EBITDA margin are calculated automatically.
Notes & auditor opinion
The auditor's opinion and the notes are read together with the tables, so context is not lost.
Verification
Checks that make the numbers trustworthy
Totals that cross-foot
Subtotals and totals are recomputed across tables to confirm the statements are internally consistent.
Period-over-period changes
Large year-on-year movements are highlighted with a note for the analyst.
Cross-document consistency
Reported revenue is compared with bank statement turnover and tax documents in the same file.
Financial red flags
Warning signs such as negative equity, weakening liquidity, operating cash flow that trails profit, and a non-clean auditor opinion are highlighted for the analyst.
How it works
How financial spreading works with Fineksi
- 01
Upload financial reports
Send audited or in-house statements as PDFs or scans, or stream them from your LOS via API.
- 02
AI spreading
Layout-aware AI reads the tables and notes and maps each line item into a structured format.
- 03
Verification and human validation
Totals are cross-checked automatically, and expert analysts review edge cases.
- 04
Ratios and insight delivered
Spread financials and computed ratios arrive in your scorecard or LOS.
Comparison
Manual financial spreading vs. Fineksi
| Aspect | Manual review | With Fineksi |
|---|---|---|
| Time per report | Hours of manual keying | Minutes - up to 40x faster |
| Consistency | Varies from analyst to analyst | The same structure and ratio logic on every file |
| Accuracy | Prone to keying errors | Up to 99% field-level extraction accuracy |
| Checks | Manual spot checks | Totals cross-footed across every table |
| Output | Spreadsheets in varying formats | Structured, auditable data sent to your scorecard or LOS |
Where lenders use it
Built for business and commercial lending
- SME loans
- Working-capital & investment loans
- Fleet & heavy-equipment financing
- Supply chain financing
FAQ
Frequently asked questions
What is financial spreading?
Financial spreading is the process of transferring figures from a borrower's financial statements into a standardized format, so that ratios can be calculated and periods compared. Fineksi automates spreading with AI, removing the manual retyping of numbers from PDFs into spreadsheets.
Which financial statements can Fineksi analyze?
Fineksi analyzes the balance sheet, income statement, cash-flow statement, and statement of changes in equity. It reads audited reports with tables and notes as well as in-house statements, whether they arrive as digital PDFs or scans.
Which ratios does Fineksi calculate?
Fineksi computes efficiency and leverage ratios from the spread financials, for example debt-service coverage ratio (DSCR), debt-to-equity, and EBITDA margin, so analysts receive ready-to-use figures for the credit assessment.
Can Fineksi read in-house financial statements in different formats?
Yes. In-house financial statements rarely follow a fixed template, so Fineksi reads dynamic document formats - different layouts, account names, column orders, and levels of detail - and maps them into the same standardized structure used for audited reports.
Can Fineksi handle long audited reports?
Yes. Fineksi reads long audited financial reports including multi-page tables and the accompanying notes, and checks that totals agree across tables before delivering the spread.
How does Fineksi make sure the numbers are correct?
Fineksi recomputes totals across tables, compares figures with other documents in the credit file, and includes a human validation step where expert analysts review edge cases. Field-level extraction accuracy is up to 99%.
Spread your own financials, live.
Bring real financial reports to a 45-minute session and watch them spread in front of you.
Book a demo