Banks and lenders
One standardised report per file, in minutes, for the whole network
Relationship managers, credit analysts, debt funds, financing platforms: Bilanea produces the same report for every borrower, with the ratios your committees expect, default scores and a documented repayment capacity.
What you experience today
- Manual adjustments that differ from one relationship manager to another
- Hours spent retyping tax returns into a spreadsheet
- Sector comparisons unavailable or outdated
- Incomplete small-business files that block processing
What Bilanea changes
Your clients upload their ledger or you upload it for them: the report rebuilds the statements, applies consistency checks and computes repayment capacity, debt service coverage, leverage, equity ratio, Altman and Conan-Holder scores. Sector percentiles give context at a glance.
The Business plan brings multi-organisation per branch or portfolio, roles and audit log, an API to feed your lending tools and webhooks to notify your systems as soon as a report is ready. Benchmarks are editable to apply your own grid.
The indicators highlighted for you
Repayment capacity in years of cash flow and DSCR
Loan scenarios over 5, 7, 10 and 15 years with binding constraint
Altman Z'' and Conan-Holder scores, legal alerts
Sector percentiles on thirty ratios
Document consistency checks and flagging of AI extractions
API, webhooks, audit log and standard PDF export
Your journey
Create your branch's or unit's organisation
Invite relationship managers with suitable roles; each file is an analysed company.
Collect the documents
Upload link for the client, direct upload or API: ledgers, tax returns or PDF balance sheets are accepted.
Process on a standard report
Export the PDF for the committee, or integrate the JSON in your lending tool through the API.
Frequently asked questions
- Can we apply our own ratio grid?
- Yes: banking thresholds (leverage, gearing, coverage) are configurable, and benchmarks can be replaced with your internal references in the Enterprise plan.
- Is our clients' data isolated?
- Each organisation is isolated; a client's analyses are visible only to authorised members, and every access is logged.
Standardise the processing of your files
Business or Enterprise plan with API, roles and custom benchmarks.