Financials from questions, not documents
Structured wizards build a balance sheet and profit and loss account for borrowers who have never been audited.
FinAles
Lend to the businesses you cannot currently assess.
FinAles builds a full financial picture of an SME borrower — even when there are no audited accounts.
Most small businesses cannot produce the financial statements a bank needs. FinAles builds them. From a short structured questionnaire it produces a balance sheet, profit and loss account and cash flow forecast, benchmarks the business against its industry peers, and drafts the credit application for your approvers.
Capability
Five pillars
Benchmarks built for African SMEs
Compare every borrower against real peers across 30 sectors and more than 400 sub-sectors, refreshed quarterly from your own lending.
From application to approval in one workflow
Capture, analysis, forecasting, grading and the written credit paper sit in a single system, in a consistent house format.
Built for the branch, not the head office
A loan officer with no accounting background can complete a full credit assessment, supported by an embedded help file and twelve short tutorials.
Your data never leaves your bank
FinAles runs inside your network. Customer records stay in your custody — only aggregated sector ratios feed the benchmarks.
Next step
See it assess a real applicant.
A demonstration walks through a live SME application end to end — questionnaire to credit paper — in under an hour.