Challenges We Solve
Industry-specific pain points that structured decision models eliminate.
Regulatory Exposure
New regulations hit faster than your compliance team can assess. Score regulatory changes against your control framework and surface coverage gaps automatically.
M&A Due Diligence Speed
Due diligence takes months of spreadsheet analysis. Run quality-of-earnings, synergy valuation, and integration readiness models in hours, not weeks.
Credit & Market Risk Blind Spots
Debt covenant breaches surface too late for remediation. Continuous early-warning monitoring with automatic escalation when thresholds approach.
Audit Trail Gaps
Regulators demand 'who decided what and why.' Every model run is logged with inputs, outputs, approval chains, and governance metadata.
Use Cases
Industry-specific scenarios powered by DecisionLedger.
Monitors the debt covenant early warning model across the entire loan portfolio, with automated escalation when borrowers approach covenant thresholds — catching problems quarters before breach.
Zero unexpected covenant breaches with 90-day advance warning system
Runs the quality of earnings model on acquisition targets, stress-testing revenue sustainability, working capital traps, and earnings normalization against SEC EDGAR industry comparables.
Identified $4.2M in earnings quality adjustments missed by external advisors
Generates SOX-ready evidence packages from every financial decision — model inputs, outputs, approval chains, and override rationale — eliminating weeks of manual audit preparation.
SOX audit prep reduced from 4 weeks to 3 days with auto-generated evidence
Measurable Impact
Based on platform benchmarks across early adopters.
Covenant Monitoring
Quarterly manual review
Continuous early warning
M&A Due Diligence
Weeks of spreadsheets
Structured model scoring
SOX Evidence
4-week manual collection
Auto-generated packages
Regulatory Response
Scramble per request
Pre-built compliance packs
Built for Financial Institutions
SEC EDGAR ratios, benchmark comparison, and compliance evidence packages for regulated financial services.
SEC EDGAR Ratios
Automatically ingest financial ratios by SIC code — gross margin, net profit margin, operating margin, ROA, debt-to-equity, and current ratio.
Benchmark Comparison
Compare your institution's financial metrics against industry peers using FRED, BLS, and SEC EDGAR data with AI-powered drift alerts.
Compliance Evidence
Export complete decision audit trails with input/output history, governance metadata, and approval records for SOX, OCC, and regulatory review.
Connects With
Featured Models
Pre-built decision models ready to run with your data.
Capital Allocation & ROI Engine
Where should the next dollar go? Evaluates hiring, projects, software, marketing, and acquisitions on the same scale. Computes risk-adjusted NPV, normalized ROI, multi-criteria composite scores, growth vs profit tradeoff frontiers, Monte Carlo confidence intervals, and sensitivity analysis. Produces ranked allocation recommendations with executive-ready KPIs.
Debt Covenant Early Warning
Monitors covenant ratios and headroom, tests interest rate and downside sensitivity, forecasts breach risk, and produces trigger thresholds with days-to-action alerts.
Earnings-at-Risk / Going-Concern Model
Quantifies how much profit and cash is exposed to macro, operational, and market shocks. Produces fragility scores, survival runway, and board-ready risk posture metrics via Monte Carlo simulation and deterministic stress testing.
Fraud Spend Anomaly Detection
Detects duplicate payments, abnormal expense patterns, off-policy spend, unusual vendor behavior, and approval bypasses using anomaly detection plus rules-based controls.
Ma Quality Of Earnings
Detects earnings noise (one-time add-backs, unusual expenses, revenue recognition anomalies) and outputs a diligence risk score plus drivers.
Regulatory Exposure Model
Quantifies compliance risk and downside across scenarios using risk scoring per regulatory domain, Monte Carlo simulation for potential penalty exposure, and scenario modeling for best/worst/expected outcomes.
Tax Exposure Entity Optimizer
Estimates effective tax rate drivers, highlights nexus and withholding exposure, surfaces sales tax and VAT flags, and evaluates entity and transfer pricing sensitivities.
How It Works
Three steps to structured, auditable decisions.
Connect Financial Data
Pull data from financial systems, data warehouses, or flat files. Enrich with SEC EDGAR industry ratios and FRED economic indicators automatically.
Model & Monitor
Run risk models, M&A due diligence, and covenant monitoring. Compare scenarios with Monte Carlo simulation and stress testing.
Govern & Report
Route decisions through approval workflows, generate compliance evidence packages, and maintain SOX-ready audit trails.
When the OCC asks 'who approved this risk decision and what analysis supported it?' — can you answer in minutes or does it take weeks?
Bloomberg Terminal analytics
$24K/seat/year for market data but no structured decision models or governance
Internal Excel risk models
Ungoverned models built by individuals with no audit trail or version control
Standalone GRC platforms
Compliance tools that track controls but can't run financial decision models
Manual regulatory responses
Weeks of evidence assembly for every regulatory examination or audit inquiry