LendSystem
Financial Statement Analyzer
Transform raw financials into credit-ready insights — instantly.
LendSystem's Financial Statement Analyzer parses P&L statements, balance sheets, and cash flow data to compute key ratios, detect anomalies, and generate lender-grade financial health profiles — enabling faster, data-driven credit underwriting decisions.
Document Upload
Borrower uploads P&L statements, balance sheets, and cash flow documents in PDF, Excel, or scanned image formats.
Intelligent Parsing
OCR and structured extraction engine identifies tables, line items, and period headers — normalising data across formats and fiscal years.
Ratio Computation
Over 25 financial ratios computed automatically — liquidity, leverage, profitability, efficiency, and debt-service coverage ratios.
Anomaly & Risk Detection
Flags inconsistencies across years: revenue-to-expense mismatches, negative equity, declining margins, and unusual line-item spikes.
Underwriting Output
A lender-ready report with financial health scores, risk flags, ratio benchmarks, and year-on-year trend narratives.
Multi-Format Document Parsing
Accepts P&L, balance sheet, and cash flow statements in PDF, XLSX, scanned images, and tally exports — with intelligent OCR that handles varied layouts and multi-year formats.
25+ Automated Financial Ratios
Automatically computes DSCR, current ratio, debt-to-equity, net profit margin, EBITDA, interest coverage, working capital, and more — mapped to standard underwriting benchmarks.
Year-on-Year Trend Intelligence
Plots multi-year revenue, expense, and profitability trends with growth rates, margin movements, and volatility scores — enabling longitudinal creditworthiness assessment.
Fraud & Manipulation Signals
Detects inflated revenues, sudden asset spikes, round-number entries, unexplained liability drops, and inter-period inconsistencies that signal fabricated or tampered financials.
Document Ingestion
Accepts PDF, Excel, scanned, and tally-exported statements with auto-detection of document type, year, and entity name.
Statement Parser
Extracts line items from P&L, balance sheet, and cash flow statements — normalising them into a standard chart of accounts.
Ratio Engine
Computes 25+ ratios across liquidity, solvency, profitability, and efficiency categories with lender benchmark comparisons.
Trend Analyser
Generates year-on-year revenue, EBITDA, and net profit trend charts with CAGR, seasonality, and volatility indicators.
Risk Flag Module
Scores manipulation risk and financial distress using anomaly detection, Z-score models, and cross-statement consistency checks.
API & System Integration
REST API with webhook support for seamless integration into loan origination, underwriting, and credit decisioning systems.
Underwrite Smarter with Financial Intelligence
Join leading NBFCs, banks, and fintechs replacing manual statement review with instant AI-powered financial analysis and credit scoring.