FinRatio.ai

CFOs, bankers, and investors can predict profitability, liquidity, ROA, and cashflows, get expert corporate finance advice (perplexity-like), and automate decisions with financial agentic AI.

PRODUCT:
* (1) Predictive AI: backend (AI engine) and SME self-diagnostic front end SaaS coded and released Jan 2025 (www.cfodigital.ai).
* (1B) banking API: under development. Pilot with 3 banks to improve credit models and decisions + 1st contract signed with SME lender.
* (2) Business Guidance / Generative AI: under development - exploring with highly contextualised prompt engineering techniques and progressing product market fit with fractional CFOs
* (3) Agentic AI: progressing algorithm design
CLIENTS (early revenue, product launched Jan 2025)
SME Lender in UAE, 2-yr contract
Pilots under way with 3 banks - to infuse credit risk management with financial prognosis data
PMF with 3 fractional CFO companies
Partnership with Accounting SW Market Leader - to embed financial prognosis in accounting SW and reporting

- Enterprises (SMEs and large corporations)
- banks
- equity investors
Market size: US $32B, global $60B+

Alicia the banker, Sofia the CFO, Matteo the investor, have a problem: They need to ascertain the health of a company. They analyze financial statements to determine how it HAS PERFORMED, but they need to determine how it WILL PERFORM. They need financial prognosis. They also need take or enforce specific actions that are of higher probability to yield improved financial performance. They need Autonomous AI CFO Agents.

Introducing FinRatio: Predictive financial analysis and autonomous financial management, all powered by AI.

We are building a 3-tier AI tech stack to power a CFO / Corporate Finance Copilot, capable of predicting financial performance, solving complex financial questions via an intuitive NLP interface (perplexity-like) and automating event reporting and decision-making.
1 - Predictive AI for financial prognosis using proprietary deep learning FNNs that learn statistics of financial data, + proprietary engineered KPIs.
2 - Generative AI contextualised by our financial predictions, to allow CFO to query system, perplexity-like (without the hallucinations)
3 - Agentic AI, using SARSA-like algorithms to learn actions and policies that yield improved financial performance (measured by profitability, liquidity, ROA prognoses).

- Novel use of neural networks, trained to "think like a CFO"
- Proprietary KPIs engineered to assess company's quality of cashflows
- 1st agentic AI application for corporate finance

SaaS - subscription based. CFOdigital.ai: 1st product, just launched (Jan 2025)

Accelerating product development and hiring revenue growth team

IP rights over AI methods and proprietary financial KPIs - published here https://arxiv.org/abs/2311.05840 under licensing schema CC BY-NC-ND 4.0