Financial statement engine
Historic accounts are normalised into a common chart, adjusted for one-offs and leases, and reconciled so that every ratio traces back to a source line item.
CFoncier Analytics
Our in-house financial analysis platform — credit and cash-flow modelling, valuation, scenario and stress testing, and portfolio monitoring in a single, reproducible environment.
Analysis that can be reproduced, not just presented
Most financial analysis is still built in spreadsheets that are copied, emailed and quietly diverged. The numbers look authoritative in a committee pack, yet nobody can say with certainty which version produced them, which curve was used, or what would happen if a single assumption moved. CFoncier Analytics exists to close that gap between how analysis looks and how reliable it actually is.
The platform normalises historic financial statements, builds integrated projections, prices and stresses the resulting structure, and monitors the position after it is funded — all against one versioned set of assumptions. Every output carries the identity of the model, the data vintage and the analyst who ran it.
It is built alongside CFoncier Checker, our AML and CFT verification platform, so that counterparty integrity and transaction quality are assessed within a single case file rather than two disconnected processes.
Inside the application
A representation of the credit workspace: headline metrics, projected cash generation and the scenario matrix that accompanies every committee paper.
CFoncier Analytics — Credit Workspace
Run 7741 · curves pinned 12:00 ETInternal rating
BBB−
Model-implied, analyst confirmed
DSCR (min, base)
1.42×
Trough in FY3
Leverage (net debt / EBITDA)
3.1×
Deleveraging to 2.2× by FY5
Equity IRR (base)
16.4%
5-year hold
Break-even revenue decline
−18%
Before covenant breach
Loss given default
24%
Secured, post-recovery
Free cash flow — 16 quarters
Base caseFY1 Q1FY4 Q4
Revenue CAGR68
EBITDA margin74
Covenant headroom46
Liquidity buffer81
Scenario matrix
| Scenario | Growth | Margin | Min DSCR | Assessment |
|---|---|---|---|---|
| Base | +4.0% | 18.5% | 1.42× | Within covenant |
| Downside | −2.5% | 15.1% | 1.18× | Headroom thin |
| Severe | −9.0% | 11.4% | 0.94× | Breach in FY3 |
| Rate shock +300bp | +4.0% | 18.5% | 1.09× | Headroom thin |
| Commodity −25% | −6.0% | 13.2% | 1.03× | Watchlist |
Audit strip
12:04Assumption changed — capex FY2 +2.0mj.marin
12:02Curve set pinned — USD SOFR 30-Junsystem
11:58Statements imported — FY19–FY24 auditeda.ferreira
11:51Model version 4.2 approved for userisk.review
Illustrative interface — data shown is fictitious
Modules
Cash-flow and debt-service modelling
Integrated three-statement projections with amortisation schedules, covenant tracking, DSCR, ICR and headroom calculated on each forecast period.
Valuation
Discounted cash flow, comparable company and precedent transaction approaches run in parallel, with a reconciliation bridge explaining the spread between them.
Scenario and stress testing
Base, downside and severe cases are defined as parameter sets rather than duplicated files, so a change in assumption propagates through every case at once.
Collateral analytics
Loan-to-value, concentration, liquidity horizon and haircut sensitivity for gold, listed securities and real assets, aligned with our lending frameworks.
Portfolio monitoring
Exposure by obligor, sector, jurisdiction and instrument, with limit breaches, watchlist migration and rating drift surfaced as dated events.
Market data integration
Curves, benchmark rates, FX and commodity prices are ingested on a schedule and pinned to each run so results remain reproducible after the market moves.
Reporting
Credit papers, investment committee packs and periodic reviews are generated directly from the model, removing the copy-and-paste layer entirely.
Design principles
One model, not forty spreadsheets
Assumptions live in a single versioned object. There is no question of which file was the final one, because there is only one, and every change to it is attributed.
Reproducible by construction
Every run pins its input data, market curves and model version. A committee decision taken last quarter can be re-run today and produce the identical output.
Transparent, not black box
Any figure can be expanded to the formula and the source line behind it. Nothing material is produced by logic an analyst cannot inspect.
Judgement stays with people
The platform ranks, projects and stresses. Ratings, approvals and pricing remain decisions of the credit and investment committees.
Who uses it
Credit analysis
Underwriting new facilities, sizing debt capacity and testing covenant packages before terms are issued.
Investment committee
Consistent, comparable papers across transactions, with the same metrics computed the same way each time.
Portfolio management
Ongoing monitoring of exposures, early-warning indicators and limit utilisation across the book.
Risk and compliance
Independent validation, model-change review and evidence that decisions rest on documented analysis.
Questions
- How does this relate to CFoncier Checker?
- They are complementary. Checker answers whether a counterparty is acceptable from a financial-crime standpoint; Analytics answers whether the transaction is sound. Both write to the same case record.
- Does it replace analysts?
- No. It removes the mechanical work — rekeying statements, rebuilding schedules, reconciling versions — so that analyst time is spent on judgement rather than construction.
- Can outputs be exported?
- Yes. Model outputs, scenario tables and committee packs export to spreadsheet and document formats, with the underlying run identifier stamped on each export.
- Will it be offered externally?
- The platform is being proven internally first. Access for selected counterparties and partners will follow once the model governance framework is fully established.
Register interest in CFoncier Analytics
If your institution would like to be considered for early access, or to discuss a specific analytical requirement, we are glad to hear from you.
CFoncier Analytics is a proprietary system under development. Figures shown are illustrative and do not represent any actual transaction. Nothing on this page constitutes investment advice, a valuation opinion, or an offer of software.