Financial viability
analysis for
nonprofit funders
The complete financial risk management platform for funders. Upload a grantee or borrower's financial statements and our AI extracts every line item, scores financial health using machine learning, and predicts the probability of organizational solvency 24 months out — complete with narrative analysis, discussion prompts, and actionable recommendations.
Financial Viability Analysis
Sunrise Community Foundation · FY 2024
Predicted Solvency at 24 Months
Low-Moderate Risk71.4%
Solvency Probability
Low-Moderate
Risk Band
8 of 8
Dimensions Scored
High
ML Confidence
AI-Extracted Financial Data
42 line items extracted from audited statements. Revenue, expenses, and balance sheet data scored across multiple financial dimensions using ML-derived benchmarks.
Trusted by funders across Canada
How it works
Four steps to ongoing financial oversight
Upload Statements
Upload a PDF of the organization's financial statements — audited, reviewed, compiled, or internal. Enter the loan or grant details for context.
AI Extracts & Scores
AI extracts every line item from the PDF, scores financial health across multiple dimensions, and predicts organizational solvency probability over 24 months.
Get Risk Analysis
Receive a dashboard with composite risk scoring, indicator breakdowns, narrative analysis, discussion prompts, and recommendations.
Monitor Over Time
Upload new statements annually or quarterly for the same organization. Track how indicators and composite scores evolve, spot trends early, and measure the impact of capacity-building work.
AI-powered scoring
Research-backed financial dimensions, scored by a purpose-built AI model
Our proprietary AI model, trained specifically on nonprofit financial data, identifies the dimensions most predictive of long-term organizational sustainability. Each dimension is automatically extracted from the uploaded statements, scored against validated benchmarks, and weighted to produce a single solvency prediction. You don't configure the indicators — the model does the work.
Dimension scoring vs. benchmarks
360° financial health profile
Every scored dimension contributes to the composite index. The ML model determines each dimension's relative weight based on how predictive it is of organizational solvency.
Solvency prediction
One score: the predicted probability of remaining operational
The platform distills everything — AI-extracted financials, ML-scored dimensions, benchmark comparisons — into a single Financial Composite Index. This number represents the predicted probability that the organization will remain operational 24 months from now. Risk bands from Low to Critical give you an immediate, interpretable signal.
Not a simple average. The composite index uses ML-derived weights — not equal weighting — to combine financial dimensions. The model was trained on real organizational outcomes to determine which dimensions are most predictive of long-term sustainability. The result is a genuine solvency estimate, not a checklist score.
ML-derived solvency estimate
Predicted probability of remaining operational at 24 months
More than metrics
Deep narrative analysis, personalized to every loan and grant
Scores tell part of the story. Each report also includes a full AI-generated narrative risk analysis tailored to the specific terms of the loan or grant in front of you, and the organizational context behind it. Repayment capacity, program sustainability, revenue concentration risks, and cash flow adequacy — all assessed and explained in plain language, with pointed questions and concrete next steps for you and your fundee.
Tailored to loans and grants
Loan analyses focus on repayment capacity and debt service coverage; grant analyses focus on program sustainability and deployment capacity.
Organization-specific context
Revenue mix, governance signals, and operational patterns interpreted in the context of the organization’s unique financial profile.
Actionable, not academic
Every insight connects to a recommendation. Questions you can ask, steps you can take together with your fundee.
Longitudinal monitoring
Track financial health over time
Every time you upload new financials for an organization, the full ML pipeline runs again — extraction, scoring, prediction. Results are stored and plotted over time so you can track how solvency probability and underlying dimensions evolve across fiscal years.
Indicator trends across analyses
Toggle individual indicators on/off. The dashed line represents the Financial Composite Index — your single viability score over time.
Analysis history
Operating Loan — $500K
Jan 15, 2025 • FY 2024
71.4%
Low-ModerateBridge Financing — $250K
Feb 8, 2024 • FY 2023
63.2%
ElevatedCapital Project — $1M
Mar 22, 2023 • FY 2022
58.1%
ElevatedOperating Grant — $175K
Nov 10, 2022 • FY 2022
74.8%
LowAutomated upload reminders
Set annual or quarterly reminders. The system emails the right contact when it's time to submit updated financials.
Magic link upload
External finance managers receive a secure link to upload documents directly — no account needed. Data is extracted and saved automatically.
Continuous trajectory tracking
Every new upload is automatically analyzed and added to the longitudinal record. Spot trends before they become problems.
AI-generated discussion prompts
Pointed questions backed by data
Not generic questions — each one references actual numbers from the organization's financials. Use them in your next meeting with the borrower's leadership team to have more productive, data-driven conversations.
Questions are tailored to the specific financial gaps and risks identified in the analysis. They change with every report.
Your fundraising costs are 18% of donations raised. What specific initiatives drove this efficiency, and is it sustainable?
Fundraising EfficiencyWith only 45 days of cash on hand — half the 90-day standard — what would happen if your largest funder delayed payment by 90 days?
Days Cash on HandYour liquidity ratio of 0.9x is below the 1.0x threshold. What is your plan to build a 3-month operating reserve?
Liquidity RatioGovernment grants represent 41% of total revenue. What contingency plans exist if this funding source is reduced?
Revenue ConcentrationHow do you plan to service the proposed $500K loan given current cash flow patterns?
Repayment CapacitySupport Cash Reserve Development
Work with your fundee to develop a board-approved reserve policy targeting 90 days of operating expenses. Guide them on allocating a portion of monthly surplus to a dedicated reserve account.
Collaborate on Liquidity Improvement
Help your fundee negotiate a line of credit as a backstop. Jointly review accounts receivable aging and explore ways to accelerate collections on outstanding grants.
Guide Revenue Diversification
Partner with your fundee to reduce single-source dependency. Support the development of earned revenue streams, targeting 15% from fee-for-service within 24 months.
Encourage Stronger Financial Reporting
Recommend quarterly board financial reports with dashboard metrics. Advise transitioning to audited financial statements if currently using review engagement.
Funder-facing recommendations
From dashboard to action
Every report includes prioritized, concrete recommendations designed for you as a funder to work on collaboratively with your fundee. Build their capacity, mitigate risk together, and improve the overall health of your funding system.
Prioritized by urgency
High, medium, and low priority actions you can take with your fundee
Concrete timelines
Each recommendation includes a realistic implementation window
System-wide capacity building
Strengthen individual organizations and the overall resilience of your portfolio
Pricing
Simple, transparent pricing
Unlimited users on every plan. Unlimited analyses. Every plan ships every feature — price scales with the number of borrower organizations you monitor. Save 10% with annual billing.
Core Monitor
Track and understand each borrower over time
CA$408/mo billed annually
Portfolio
Operate and manage your lending portfolio with structure
CA$992/mo billed annually
Enterprise
Embed into your core infrastructure
CA$2,075/mo billed annually
Every plan includes
- AI financial ingestion + analysis
- Risk scoring + composite index
- AI narrative insights
- Historical tracking (period-over-period)
- Borrower upload portal (magic-link)
- Portfolio dashboard + system view
- Needs-attention watchlist
- Covenant / rule tracking
- Score-change alerts
- PDF report export
- Period-based document workflows
- Role-based permissions + full audit trail
- OWASP-aligned security posture
Need 500+ organizations, accounting integrations (QuickBooks, Xero), API access + system integrations, custom procurement, or government terms? .