Understand the real structure
Financial statements, treasury, credit bureau data and early-warning ratios become a readable, documented diagnosis.
- Automatic import
- 12-section AI report
- Stress tests and early-warning signals
For advisors, accountants and companies
The institutional SaaS
The institutional SaaS
for business plans and financial analysis.
Business plans, financial statement analysis and AI reports built on the same financial engine. For advisors, accountants and companies that need to present solid, readable and defensible numbers.
Instant access — no registration required.
150+ active professionals
4.9/5 average rating
1.222
registered users
885
business plans created
5
projection years
NVIDIA Inception
One financial truth
From the filed accounts to tomorrow's decisions.
MurphFin connects what the company has been to what it can sustain. Historical data, forecast plan and final document stay consistent in a single flow.
Prove sustainability
Income statement, cash flow, balance sheet, DSCR and scenarios build a defensible plan.
- 5-year horizon
- Covenants and sensitivity
- PDF ready for banks or grant applications
The product, not a promise
Complex numbers.
An immediate reading.
Every figure stays traceable from inputs to the final document. The advisor keeps control; MurphFin speeds up calculation, verification and presentation.
5 years of projections3 stress scenarios30+ report pages
AVERAGE DSCR6.14Sustainable
OUTPUTWhite-label PDFReady for the client
Four professions, four deliverables
Built around the work you have to deliver.
From data to document
Fewer operations. More control.
Instant access — no registration required
Institutional-grade output
Statements, ratios and covenants with the same rigour required by credit committees and assessment boards.
Level 1 — Business Plan
Projected income statement
Revenue, costs, EBITDA and net profit over 5 years. Every line calculated from your inputs.
Contribution margin
Depreciation and finance costs
Cash flow and balance sheet
Debt sustainability DSCR
Ability to repay financing. The most scrutinised indicator by banks and grant evaluators.
Minimum threshold highlighted
5-year trend
Automatically calculated from cash flow
Scenario analysis
What happens if sales drop 20%? Three scenarios to assess resilience.
Optimistic / realistic / pessimistic
Price and volume variations
Impact on net profit
AI
AI narrative
Professional texts adapted to your industry, with strategic consulting language.
Strategic consulting language
Big Four advisory style
Sensitivity analysis
Understand how key variables affect your projections.
Revenue and cost sensitivity
Covenant stress testing
Industry benchmark
Compare your projections with industry averages and risk analysis.
SWOT + risk analysis
Cover page with your logo
Level 2 — Financial Analysis
MurphFin Advisor — Financial analysis on historical accounts
From filed accounts to a 30+ page professional report. Import from registries, upload Excel or enter manually. The AI generates the analysis with the right tone: bankable, objective, anti-fraud or insolvency proceedings.
12-section AI report
Executive summary, profitability, financial structure, liquidity, working capital, ratios, cash flow, trends, credit access, instruments, issues, recommendations.
4 professional tones
Bankable for credit decisions. Objective for independent review. Anti-fraud for accounting anomalies. Insolvency for CCII proceedings.
5 financial health ratios
Finance costs, capital adequacy, return on assets, liquidity, tax debt. Thresholds by 16 industry sectors with traffic-light indicator.
Debt exposure
Creditor and debtor listing with overdue amounts. Bank exposure by institution. Tax and social security debts. Crisis composition analysis.
Treasury and bank flows
Upload bank statement CSV/Excel. Monthly flows, net balance, seasonality and qualitative AI analysis. Comparison with accounts data.
Credit bureau data
Upload central risk registry and credit reports. Automatic reading and AI analysis of exposures, guarantees, overruns and overdue.
Institutional-grade calculation engine
Income statement, cash flow, balance sheet, DSCR EBA, bank covenants, sensitivity analysis — the same framework used by investment banks to evaluate a deal.
Automatic financial projection
- Depreciation, loan payments, corporate taxes
- Income statement, balance sheet and cash flow over 5 years
- 6 financial ratios and break-even analysis
8 integrated labour agreements
- 50+ pay levels with automatic employer cost
- Suggested by industry sector
- Cost ranges by sector and region
Smart data import
- Import accounts from Excel and XBRL
- Automatic VAT number lookup
- Auto-mapping 20+ account lines
AI-powered narrative
- Professional texts generated by AI
- Big Four advisory style and strategic consulting language
- Automatically calibrated to your industry
AI-powered
Financial Intelligence
MurphFin is part of the NVIDIA Inception programme for developing a proprietary LLM based on Llama 3 70B Instruct, served via NVIDIA NIM and trained with PyTorch — dedicated to advanced financial analysis and business planning.
Powered by NVIDIA technology, the model transforms complex financial data into strategic insights and predictive risk assessments — delivering a concrete competitive edge in managing market volatility.
AI Pipeline — MurphFin Intelligence
Financial data
Structural analysis
Llama 3 70B NIM
Risk & Strategy
Decisions