Model Reef

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Inspiration

Our goal is empowering individuals, SME owners, and service providers with an institutional-grade, real-time financial modeling and valuation platform, at a fraction of the cost and time of traditional corporate finance service providers. Having spent a decade in corporate finance and M&A, the sheer volume of manual spreadsheet plumbing and repetitive model rebuilding we encountered was staggering. We realized that if we could strip away the manual cell-linking, finance leaders could focus entirely on strategy, capital management, and growth.

What it does

Model Reef uses AI to instantly convert prompts, Excel spreadsheets, PDFs, accounting exports, and stock feeds into live, institutional-grade three-statement financial models in seconds, with zero manual work. It generates board-ready dashboards and allows users to run complex scenario analyses instantly.

How we built it

We architected Model Reef around a hybrid system: a multi-agent AI orchestration layer built on top of a deterministic financial logic engine. The AI layer parses unstructured data (like raw text prompts or PDFs) and maps it to structured accounting inputs. We leveraged rapid SaaS deployment frameworks to build out the frontend and user infrastructure, while our backend calculation engine handles the complex rules of multi-entity consolidations and dynamic scenario modeling in real-time.

Challenges we ran into

The most significant hurdle was bridging the gap between probabilistic AI models and deterministic financial accounting. An LLM can perfectly extract revenue targets from a prompt, but a financial model must balance perfectly every time:

$$ \text{Assets} = \text{Liabilities} + \text{Equity} $$

If the AI hallucinates even a single variable, the entire three-statement model breaks. We solved this by strictly isolating the AI's role to data extraction and intent recognition, passing those structured outputs into a rigid, math-based calculation engine that guarantees accounting and financial modelling principles are maintained.

Accomplishments that we're proud of

We are incredibly proud of reducing the time it takes to build a fully linked, board-ready financial model from weeks down to seconds. We're also proud of our "CEO and CFO Mode," which successfully abstracts complex corporate finance mechanics into clear, digestible growth levers and cash flow risks that non-finance stakeholders can intuitively grasp.

Model Reef has been used successfully for various capital raising and M&A transactions and is being used by some large MNCs.

What we learned

We learned that finance professionals don't just want automation; they demand transparency. Black-box AI does not work for M&A advisors or CFOs. We had to ensure that every output generated by the AI had a clear, traceable audit trail back to the source data, giving users complete confidence in the numbers.

What's next for Model Reef

We are finalising the design of a CEO and CFO dashboard, which should go live in Q3.

Built With

• amazon-web-services
• chatgpt
• claude
• codex
• google
• python
• quickbooks
• xero
• yahoo