🏦 Financial Intelligence Platform

Catch the red flags
others miss.

FlagLedger runs a forensic diagnostic on any set of financial statements in minutes — 47 checks including Beneish M-Score and Benford's Law. Catch the misstatements and manipulation risk manual review misses, white-labeled as your own.

Try free preview →Financial Diagnostic — $39Loan Readiness — $29
0
Diagnostic checks
Beneish M-Score · Benford
0
Loan readiness factors
Across 8 assessment tiers
<60s
Analysis time
Instant background processing
25+
Years CFO expertise
Built into every analysis
Sample Reports

See exactly what you get

Real report output for Acme Distribution Inc — generated from a single P&L statement.

📋 Financial Diagnostic
Acme Distribution Inc
Distribution / Wholesale · FY2024
62
out of 100
MEDIUM RISK
"P&L shows strong margins but contains an implausibly low operating expense figure that cannot be verified without a Balance Sheet or second period."
0
Critical
3
High
3
Medium
2
Low
Sample findings
Operating expenses of $28,000 are implausibly low for a $4.25M revenue distribution businessHIGH
OpEx at 0.66% of revenue is far below the 15–30% industry norm, suggesting missing expense categories or misclassification.
No Balance Sheet provided — equity, debt, and working capital cannot be assessedHIGH
Without a Balance Sheet, liquidity, solvency, and leverage ratios cannot be computed.
Gross margin of 32% is above the distribution sector benchmark of 25%MEDIUM
While positive, unusually high margins relative to peers may indicate COGS understatement or non-standard classification.
🔒+ 5 more findings including Beneish M-Score, ratio analysis, and priority actions
🏦 Loan Readiness
Acme Distribution Inc
S-Corporation · $150,000 SBA 7(a)
68
out of 100
PROBABLE
"Strong DSCR of 5.81× — income covers this loan request nearly six times over. Primary blocker is missing Balance Sheet and single-period financials."
5.81×
Business DSCR
$400,590
Adjusted NOI
$68,895
Debt Service
Loan eligibility matrix
SBA 7(a)★ RECOMMENDED
DSCR of 5.81× far exceeds SBA minimum of 1.25×
Likely Eligible$150,000
SBA Express
Same 5.81× coverage qualifies; faster decisioning and lighter documentation, though a Balance Sheet is still requested at this amount.
Likely Eligible$150,000
Conventional Term
Strong DSCR but balance sheet absence is a harder stop
Borderline$125,000
Line of Credit
Revenue scale supports LOC; AR aging data required
Borderline$100,000
🔒+ Full action plan, collateral analysis, entity-specific DSCR add-backs, and 30-day approval roadmap

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Financial Diagnostic

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$39
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✓47 checks including Beneish M-Score
✓Benford's Law & GL pattern analysis
✓Cross-statement reconciliation
✓Related party transaction detection
✓Expert CFO review add-on ($599)
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Loan Readiness

See exactly how a bank will assess your business before you apply. Know your score, fix your gaps.

$29
per report
✓52 bank assessment factors across 8 tiers
✓DSCR analysis adjusted for your entity type
✓Loan eligibility matrix — SBA, conventional, LOC
✓Quantified action plan with exact metrics
✓Expert CFO lender strategy review ($599)
Check Loan Readiness →
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Try free preview →Financial Diagnostic — $39Loan Readiness — $29