Turn Financial Statements Into Credit Decisions

Upload any financial statement and extract key ratios, risk scores, and trend data — powered by Bectran AI trained on millions of B2B credit decisions.

Financial Statement Analyzer

Join the thousands of credit teams who've automated financial analysis with Bectran
What This Free Tool Does
Instantly calculates key financial ratios
Generates a financial health-based credit risk indicator
Extracts and standardizes data from any format or language
Digitizes balance sheet and income statement data in one step
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Extract Key Financial Data

When financial statements are uploaded, key fields are extracted automatically — no need to rekey or interpret scanned files. With Bectran, these data fields are fed directly into your scoring models, creating a pipeline from document intake that informs next steps and credit risk strategies.

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Real-time intelligence designed to prevent loss across the full O2C

Entity & Identity Verification

Confirm you're doing business with a legitimate, active entity. Automatically validate companies against authorative and global sources to detect inactive business, mismatches, and hidden risk before credit is extended.

Document Intelligence

Al-powered document analysis extracts and cross-checks critical data across documents to uncover inconsistencies, manipulating, and tampering that are often missed by the naked eye.

Behavioral & Anomaly Detection

Analyze behavioral signals and historical patterns over time to surface abnormal activity that commonly precedes fraud - giving your team early warning.

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Frequently Asked Questions

Everything you need to know about Financial Statement Analyzer by Bectran AI
What is Bectran's AI Financial Statement Analyzer?
It's a tool by Bectran AI that extracts data from uploaded financial statements—including PDFs, scanned documents, Excel files, and even handwritten documents up to 200+ pages—and populates key ratios, risk scores, and trend data directly into Bectran's balance sheet and income statement forms.
Does it provide ratio analysis or year-over-year comparisons?
Yes. For multi-year statements, it automatically generates year-over-year comparison charts. It also calculates key financial ratios (AR turnover, debt-to-EBITDA, etc.) that can be configured and integrated into Bectran's scoring models.
Can it handle different formats, languages, and currencies?
Yes. It processes a wide range of document formats and languages, and automatically converts foreign currencies.
How do users verify AI-extracted data?
After extraction, users can view the original document side-by-side with the populated data to verify accuracy and make any necessary edits.
Is there an additional cost?
No. The AI Financial Statement Analyzer is included with your Bectran subscription.
Can Bectran AI process paper credit applications?
Yes. You can upload scanned or PDF versions of completed paper applications—including handwritten ones—and Bectran AI will extract the data and populate your digital application form.

Ready to Stop Manual Financial Analysis?

Financial Statement Analysis is one of many manual workflows Bectran automates across the Order-to-Cash lifecycle. See what automated extraction, ratio calculation, and risk scoring can do for your company.

Faster Credit Decisions
Automated Risk Scoring
Instant Data Extraction

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