Financial Statement Analysis Built for Modern Credit Workflows
Automatically extract, standardize, and analyze balance sheets, income statements, and cash flow statements with GAAP-compliant mapping and automated ratio calculation.
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Problems we solveFrom Raw Statements to Decision-Ready Intelligence
InferIQ transforms unstructured bank statements into structured financial insights, risk indicators, and actionable recommendations — enabling faster, more accurate lending decisions.
Standardized Financial Spreading
Automatically map non-standard financial terms into GAAP-compliant structured data.
Automated Ratio Calculation
Capture financial data from tables, schedules, and supporting documents.
Structured Data Extraction
Extract tables, line items, and financial fields from digital or scanned documents.
Exception Detection and Validation
Identify inconsistencies, missing data, and exceptions requiring analyst review.
How It WorksFrom Upload to Structured Financial Analysis in Minutes
Upload Statements
Upload balance sheets, income statements, or cash flow statements in PDF format.
Extract and Standardize Data
AI extracts line items and maps them into standardized GAAP financial categories.
Calculate Ratios and Metrics
Automatically generate financial ratios, credit metrics, and structured outputs.
Structured Financial Intelligence for Credit Analysis
Access standardized financial data, ratios, and insights through a comprehensive financial analysis dashboard.
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Financial Statement Extraction
View assets, liabilities, income, and cash flow in standardized structure.
Ratio Analysis Dashboard
Analyze leverage, liquidity, profitability, and credit risk indicators instantly.
GAAP-Compliant Mapping
Automatically standardize financial terms across all statement formats.
IntegrationIntegrates Seamlessly with Your Credit and Underwriting Systems
API-first architecture enables structured financial data to flow directly into underwriting, risk, and loan management platforms.
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Financial Use Cases of InferIQBuilt for Commercial Lending and Credit Risk Workflows
Automate financial spreading, ratio analysis, and data standardization to support faster, more accurate commercial credit and underwriting decisions.
Enterprise-Grade Security & Compliance
Built with bank-level encryption, global compliance standards, and secure cloud infrastructure to protect sensitive financial data.
Questions, answered.
Minutes versus days. 30 minutes saved per financial statement in mapping and extraction. Financial ratios are auto-calculated once data is fetched.
A custom ML model with NLP maps non-standard terms to GAAP standards. The human-in-the-loop feedback system lets users correct mappings, and those corrections train the model - so accuracy improves over time. Handles SME-specific terminology and ensures GAAP compliance.
DTI ratios, current ratio, quick ratio, debt-to-equity, profit margins, return on assets, working capital ratios, and many more credit analysis metrics - all auto-calculated.
QuickBooks exports, accounting software outputs, manually prepared statements, CPA-prepared financials, Excel-based statements (as PDF), and all major accounting formats. Handles non-calendar fiscal years automatically - detects fiscal year periods, adjusts calculations accordingly, and provides period-appropriate comparisons.
Ready to Automate Financial Statement Analysis for Faster Credit Decisions?
See how InferIQ transforms financial statements into structured credit intelligence.
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