MurphFin

Financial business intelligence.
Two levels, one engine.

5-year forecast plan for banks, investors and funding applications. Analysis on historical accounts with AI report, early-warning ratios and crisis management. The same institutional rigour, applied to both forecast and historical data.

Two levels of analysis

MurphFin covers the entire financial life cycle of a business: from forward-looking planning to diagnostics on historical data.

Level 1 — Business Plan

Forecast plan for start-ups and established businesses

  • P&L, cash flow, balance sheet — 5 years
  • DSCR and bank covenants
  • 3 what-if scenarios
  • AI narrative tailored to your audience
  • Complete bankable PDF
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Level 2 — Financial Analysis

Diagnostics on filed accounts and historical data

  • AI report with 12 sections
  • 5 early-warning ratios
  • 4 tones: objective, bankable, anti-fraud, crisis
  • Debt exposure and credit bureau data
  • Bank treasury analysis
  • White-label PDF with signature
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Who will read your plan?

The same engine, four different audiences. The plan adapts automatically.

Banks and lenders

To obtain loans, credit lines and mortgages

  • DSCR and debt sustainability calculated
  • Forecast balance sheet
  • Monthly and annual cash flow

Grants and public funding

To apply for government-backed programmes

  • Automatic grant calculation per programme
  • AI narrative adapted to the required forms
  • Real-time eligibility check on expenses

Investors and shareholders

For pitches, funding rounds and shareholder entry

  • Optimistic / realistic / pessimistic scenarios
  • Professional charts ready for presentation
  • Break-even and return on investment

Courts and insolvency proceedings

For restructuring plans and formal attestations

  • Crisis report compliant with UK insolvency standards
  • 5 early-warning ratios with industry-sector thresholds
  • Stress scenarios and minimum survival turnover

Level 1 — Business Plan

A structured financial document, not a template to fill in.

Forecast profit and loss
Revenue, variable and fixed costs, EBITDA, net profit — 5 years, calculated from your data.
Cash flow and funding needs
Monthly and annual cash flows. The funding plan is calculated automatically.
Balance sheet
Forecast assets, liabilities and equity. Fully consistent with the profit and loss.
DSCR and sustainability
The ability to repay debt, year by year. The metric that banks and lenders check first.
Stress scenarios
What happens if revenue drops? Three scenarios showing the impact on profit, cash flow and DSCR.
Professional AI narrative
The AI generates the descriptive sections: market, product, strategy, organisation. Advisory tone, compliant with required forms.

How it works

1
Enter your data
Company details, investments, products/services, fixed costs. A structured 9-step wizard with real-time validation.
2
The engine calculates
Profit and loss, cash flow, balance sheet, DSCR, ratios, scenarios, repayment plan. Everything consistent and linked.
3
The AI writes and optimises
Narrative tailored to your audience. If you have selected a grant programme, expenses are allocated to maximise the contribution.
4
Download the PDF
Complete bankable document: schedules, charts, ratios, narrative. Ready for credit committees, investors and funding bodies.

Level 2 — Financial Analysis

Professional AI report on historical accounts, meeting the standards expected by banks, auditors and courts.

Objective report
Neutral technical analysis with standard accounting terminology. Designed for internal use, independent review or as an annex to the accounts.
Bankable report
Optimised for banks and credit guarantee bodies. Implied rating, Probability of Default, DSCR, repayment capacity and business project presentation.
Anti-fraud report
Accounting red flags, Beneish M-Score, Altman Z-Score, anomaly analysis. Prudent investigative hypotheses, never accusations. For consultancy and expert reports.
Crisis report
Structured insolvency analysis with numbered sections and crisis management terminology. Useful as a supporting draft for restructuring and negotiated settlement proceedings.
5 early-warning ratios
Sustainable finance charges, capital adequacy, liquid asset return, liquidity and tax-social security debt. Thresholds differentiated across 16 industry sectors.
3 data sources
Automatic import from Companies House API via company number, guided Excel template upload, or manual entry. Intelligent deduplication and line-item validation.
Treasury analysis
Upload your bank statement (CSV or Excel, common UK formats or generic) and the platform calculates monthly flows, net balance, seasonality and qualitative AI analysis.
Credit bureau data
Upload credit bureau PDF reports, automatic reading and AI analysis of exposures, guarantees, breaches and overdue items.
Debt exposure
List of creditors and debtors with overdue amounts, bank exposure by institution with instalments and guarantees, tax and social security debts with payment plan status.
Implied rating and covenants
Credit rating estimate from AAA to D based on NFD/EBITDA, ICR and DSCR. Suggested bank covenants calibrated on historical EBITDA volatility. Residual borrowing capacity.
Stress scenarios
Revenue drop simulation at -10%, -20%, -30% with impact on DSCR, NFD/EBITDA and early-warning ratios. Minimum survival turnover and point of no return.
White-label PDF
Final report with customisable cover page, logo, consultant signature and firm name. Ideal for client presentations or due diligence.

MurphFin Advisor Package — €549 per month or €4,999 per year. Includes Base and Premium in full. See pricing.

Advanced Analysis Engine — Forge

Management accounting tools built into both levels. Available for Premium and Advisor users.

Bill of materials per product
Unit cost items by category: raw materials, labour, packaging, commissions, transport, energy. The variable cost updates automatically from the bill of materials.
Contribution margin
Price minus unit cost minus commissions, calculated per product. The margin updates in real time when you edit the bill of materials.
Collection profiles
Define the payment collection split for each product: immediate, 30, 60, 90 days and beyond. Monthly cash flow reflects actual collection delays.
Volume seasonality
Monthly volume curve per product. Step 4 volumes are recalculated automatically according to the distribution you set.
Break-even per product
Break-even point calculated for each product with fixed-cost allocation pro-rata on revenue. Safety margin and minimum volumes highlighted.
Pro monthly cash flow
Interactive chart of accrued revenue vs actual collections, month by month. Highlights the treasury gap caused by payment delays.

Included in the Premium plan — 11 additional appendix pages in the PDF export with bill of materials, collection profiles, Pro cash flow, break-even and methodological notes.

Choose your level

Start with the Business Plan or with Financial Analysis. You can always add the other later.

Start with the Business Plan Discover Financial Analysis