Build profitable portfolios with advanced lending analytics

In competitive lending markets, credit quality determines profitability. Our platform builds profitable portfolios, evaluates borrower capacity and credit risk, so you can identify problems before they become losses.

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Assess borrower creditworthiness with lending analytics and financial risk analysis

Test loan scenarios with credit risk modelling and stress-test repayment capacity instantly

Track portfolio exposure with financial risk analytics across all lending relationships

Generate professional reports from your AI lending platform that lead to faster approvals

Evaluate borrowers comprehensively

Connect borrower financial statements, cash flow projections, and industry benchmarks into one credit risk modelling and lending analytics framework. Assess repayment capacity, debt service coverage and business viability without manual calculations.

Model loan structures that work

Test different interest rates, repayment terms, and collateral requirements with smart lending technology. See how changes affect borrower cash flow and your risk exposure before finalising terms.

Monitor portfolio risk continuously

Track concentration risk, industry exposure, and overall portfolio health automatically with financial risk analytics. Identify emerging risks across your lending book and take proactive action before problems escalate.

Present cases that get approved

Export detailed credit analysis from our AI lending platform with supporting financial projections, risk assessment and loan recommendations. Back lending decisions with transparent analysis that satisfies credit committees and regulatory requirements.

Risk models that work. Try today

Import borrower data automatically

Import borrower financial statements and cash flow data into your AI lending platform automatically. Skip manual data entry and focus on evaluating lending opportunities and risk factors.

Model repayment scenarios in real-time

Run credit risk modelling with smart lending technology to build debt service projections that reflect seasonal cash flows, growth assumptions and stress scenarios. Test how different loan terms affect borrower capacity and your risk exposure.

Track lending relationships systematically

Track lending relationships with financial risk analytics to monitor existing loans, upcoming renewals and concentration limits across your portfolio. Identify cross-default risks and relationship opportunities without manual tracking spreadsheets.

Generate regulatory-compliant reports

Create detailed credit memorandums with supporting analysis, risk ratings and loan recommendations. Present lending decisions that meet regulatory standards and internal approval requirements.

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Why ModelReef?

Connect borrower analysis comprehensively

Link financial statements, cash flow projections, and industry metrics in one credit risk modelling and lending analytics framework. Evaluate repayment capacity systematically without fragmented spreadsheet analysis.

Adapt to changing borrower conditions

Use smart lending technology to update financial assumptions, market conditions, or loan terms and see the immediate impact on risk assessment and repayment projections. Monitor portfolio health continuously as conditions change.

Meet regulatory standards consistently

Generate lending analytics and financial risk analytics that include detailed methodology, risk assessment and supporting documents. Present credit decisions that satisfy regulatory requirements and internal audits.

Hear from other analysts, see what they say…

Using smart lending technology that updates risk assessments automatically has made our renewal process seamless. When borrower financial statements arrive, our models update immediately and flag any changes that affect credit quality. We spend less time on calculations and more time on relationship management and business development.

Marcus Lee Director of Lending, Apex Bank

Financial risk analytics that connect borrower cash flows to loan performance have transformed our monitoring process. We can identify potential problems months before they become charge-offs and work proactively with borrowers on workout solutions. Our credit losses have dropped significantly since implementing systematic portfolio tracking.

Priya Shah Senior Loan Officer, Sterling Finance

Before ModelReef, our lending analytics were inconsistent across loan officers. Now everyone uses the same framework for financial analysis, cash flow modelling and risk assessment. Our credit committee sees standardised presentations that make portfolio allocation decisions much more objective and defendable.

Daniel White CFO, Horizon Capital

Our credit risk modelling used to require days of spreadsheet work for each borrower evaluation. Now we can assess repayment capacity, test loan scenarios and generate credit memorandums in hours. Our loan approval process is faster while our credit quality has actually improved through more analysis.