Everything you need to measure financial strength.
Liquidity & Profitability Ratios
Current, quick, gross margin, ROE, ROA — 28+ ratios calculated instantly from your statements with peer benchmarks.
- 28+ core ratios
- Industry benchmarking
- Trend analysis
Financial Health Score
Our proprietary 100-point scoring model synthesizes solvency, efficiency and growth into one clear executive metric.
- Proprietary model
- Risk flagging
- Executive summary
Valuation & Insights
DCF sanity checks, comparable multiples, and AI-generated narrative insights that investors actually read.
- DCF & multiples
- AI narrative
- Investor-ready export
Why elite finance teamschoose RatioAnalyst
Built for speed and precision. No spreadsheets, no manual errors, no waiting for advisors.
Trusted by Leading DSAs, NBFC Partners, & MSME Borrowers
RBI Compliance Standards Aligned
Reserve Bank Framework
US IRS Tax Standards
1120 • 1065 • Sched C
Moody's Analytics Framework
Risk Methodology
CFI Certified Analyst Standards
FMVA® Principles
Forensic credit intelligence for high-stakes decisions.
“Dedicated to absolute client confidentiality and data-driven, forensic financial clarity.”
A Senior Commercial Credit Consultant with over 16 years of deep-rooted banking experience across underwriting, risk, and commercial credit. I specialize in transforming complex financial data into bankable, lender-ready narratives.
As Founder of Ratio Analyst Pro, I provide independent, confidential advisory to Banks, NBFCs, DSAs and UHNI borrowers — bridging the gap between client ambition and institutional risk appetite with forensic precision.
High-Ticket LAP & CRE
₹10 CR+Underwriting for Loan Against Property and Commercial Real Estate. Complex collateral, rental discounting, and cash-flow backed structures.
Offshore Underwriting for US / UK / Global Markets
Ideal for Overseas Lenders, Offshore Credit Teams, CPAs & Global Financial Firms. US GAAP-aligned spreading, GCF & third-party risk support.
US Tax Spreading & Entity Financial Spreading
- 1120, 1120-S, 1065, 1040 Schedule C/E/F — 3-year spread
- K-1 & 5471 linkage, intercompany elimination
- QuickBooks / Xero to bank format conversion
Global Cash Flow (GCF) Reconstruction
- Personal + business cash flow combined, contingent liabilities
- Rental, W2, 1099, business distributions — consolidated view
- Moody's style GCF template with sensitivity
Outsourced Offshore Credit Underwriting
- White-label underwriting for US private credit & CRE lenders
- Dedicated analyst pod — NDA, SOC2 aligned process
- Slack / Teams integration, 12-hr overlap available
Start Free. Scale When Ready.
No retainer. No subscription. Built for MSME/DSA entry — pay only when you need bank-grade delivery.
Initial Credit Health Review
15-Min Consultation
- Quick health check of existing financials & banking conduct
- Expert guidance on facility structuring & bankability gaps
- No obligation — clarity before you pay
Response in 2 hours • No spam
Custom Pricing per File / Project
For CAM / CMA / International Spreading. Transparent file-based pricing — no retainer.
- CAM, CMA Data, Bank Spreading, LAP/CRE structuring
- International: 1120 / 1065 / GCF / Offshore underwriting
- Pay per project • No retainer • Scalable for teams
- Editable Word + Excel + PDF • 24-48hr delivery