Financial viability
analysis for
nonprofit funders
The complete financial risk management platform for funders. Upload a grantee or loan recipient's financial statements and receive a comprehensive health and risk assessment in minutes — then track trajectory over time. Eight ML-validated indicators scored against social sector benchmarks with a composite index predicting organizational viability 24 months out.
Financial Analysis Dashboard
Sunrise Community Foundation
Financial Composite Index
Low-Moderate RiskFundraising Efficiency
Meets Standard
Administrative Expenses
Meets Standard
Days Cash on Hand
Below Standard
Debt Ratio
Meets Standard
Liquidity Ratio
Below Standard
Public Support
Meets Standard
Fiscal Performance
Meets Standard
Income Independence
Below Standard
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 loan parameters for context.
AI Extracts & Computes
AI extracts every line item from the PDF. Eight research-backed financial indicators are computed and scored against social sector industry benchmarks using ML-derived weighting.
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.
Research-backed indicators
Eight research-validated health indicators
Grounded in social sector financial best practices and validated through machine learning on hundreds of nationwide financial datasets. Each indicator is scored against industry-wide benchmarks and combined into a composite index predicting the probability of an organization remaining operational over the next 24 months.
Fundraising Efficiency
Cost to raise each dollar of donations
Administrative Expenses
Overhead relative to total expenditure
Days Cash on Hand
Operating runway from liquid reserves
Debt Ratio
Total liabilities relative to total assets
Liquidity Ratio
Ability to meet short-term obligations
Public Support
Breadth and diversity of funding sources
Fiscal Performance
Revenue surplus or deficit over time
Income Independence
Self-generated revenue capacity
Industry benchmarks
Scored against real social sector standards
Every indicator is compared to validated industry benchmarks — some where lower is better (e.g. fundraising costs), others where higher is better (e.g. days cash on hand). Threshold direction is shown on each indicator so results are immediately interpretable.
Indicator vs. Standard
360° Risk Profile
Visualize strengths and vulnerabilities across all eight dimensions at a glance. The dashed line represents full benchmark achievement.
Composite Index
Complete 360° financial health in a single score
All eight indicators are combined into a Financial Composite Index — a single percentage representing the predicted probability of the organization remaining operational 24 months from now. Risk bands from Low to Critical give funders an immediate signal.
Research & ML-backed. The weighting of each indicator within the composite index was determined by a machine learning model trained on Canada's CRA T3010 charity dataset, supported by established social sector financial research and best practices. The model identifies which financial dimensions are most predictive of long-term organizational sustainability.
Financial Composite Index
Predicted probability of remaining operational at 24 months
More than metrics
Deep narrative analysis, personalized to every loan
Indicators tell part of the story. Each report also includes a full AI-generated narrative risk analysis tailored to the specific loan terms, repayment structure, and organizational context. Debt service capacity, revenue concentration risks, cash flow adequacy relative to the proposed obligation — all assessed and explained in plain language, with pointed questions and concrete next steps for you and your fundee.
Loan-specific risk evaluation
Repayment capacity, debt service coverage, and cash flow adequacy assessed against the actual loan terms you enter.
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 indicators over time
Every time you run a new set of financials for an organization, the analysis is stored and plotted over time. Monitor the trajectory of each indicator across fiscal years to spot trends before they become problems.
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%
ElevatedExisting organization lookup
Select from a dropdown of organizations you've previously analyzed. New analyses are automatically associated.
New loan vs. existing loan
Specify whether this is a new loan application or a follow-up on an existing loan — prior analyses carry forward.
Compare previous reports
Review any prior analysis, see what changed, and navigate between full reports with recommendations.
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?
Loan 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
Ready to assess financial viability?
Upload a financial statement and get a comprehensive risk analysis with actionable recommendations in minutes.