RiskPulse ingests financial statements and accounting data to surface risk ratios, liquidity signals, and early-warning flags — so your team acts on evidence, not instinct.
Upload PDFs, CSVs, or connect via API to QuickBooks, Xero, or NetSuite. Our engine extracts and normalizes balance sheets, income statements, and cash flow statements automatically.
Forty-plus financial ratios computed in real time — from current ratio and Altman Z-Score to debt coverage and days sales outstanding. Industry benchmarks included.
Machine-learning models trained on thousands of credit events flag early warning signs: covenant proximity, margin erosion, unusual working capital swings, and revenue quality deterioration.
Export polished risk intelligence reports to PDF or PowerPoint in one click. Pre-formatted for credit committees, investor presentations, and audit review.
Set custom thresholds per client or portfolio. RiskPulse fires Slack, email, or webhook alerts the moment a ratio breaches your defined parameters.
Track an entire portfolio of entities side by side. Rank by composite risk score, drill into any single entity, and export cohort-level summaries for portfolio review meetings.
No manual entry. No spreadsheet gymnastics. No waiting for your analyst to finish the model.
Drag in a PDF financial statement or connect directly to your accounting system via our pre-built integrations.
Our parser identifies line items, maps them to standardized GAAP or IFRS categories, and validates completeness automatically.
40+ ratios are calculated, benchmarked against industry peers, and fed into our composite risk scoring model.
Review findings in the dashboard, export a report, or trigger downstream workflows via webhook or API.
RiskPulse is the only platform that takes raw financial statements — the messy, inconsistent PDFs your team deals with every day — and turns them into a live, actionable risk picture.
Our risk computation engine covers liquidity, leverage, profitability, efficiency, and coverage ratios. Each ratio is automatically benchmarked against SIC-code-level industry medians so you know whether a 1.4× current ratio is fine or alarming for that specific business.
| Ratio | Value | Industry Median | Signal |
|---|---|---|---|
| Current Ratio | 2.14 | 1.60 | Normal |
| Quick Ratio | 1.38 | 1.10 | Normal |
| Debt / Equity | 0.83 | 1.20 | Low |
| Interest Coverage | 5.8× | 4.0× | Strong |
| Operating Margin | 14.2% | 15.8% | Watch |
| DSO | 48 days | 38 days | Elevated |
| Altman Z-Score | 2.94 | — | Safe Zone |
Financial statements arrive in every format imaginable — scanned PDFs, bank-exported CSVs, ERP exports, and hand-formatted Excel sheets. RiskPulse's extraction layer normalizes all of them into a single structured schema without manual mapping.
All plans include a 14-day free trial. No credit card required to start.
For independent advisors and small credit teams running up to 25 analyses per month.
For active lenders, PE firms, and CFO offices managing ongoing portfolio risk monitoring.
For banks, large advisory firms, and fund administrators requiring unlimited scale and custom SLAs.
RiskPulse was founded after one of our co-founders, then a credit analyst at a regional bank, approved a loan based on financial ratios calculated in a spreadsheet that contained a three-year-old formula error. The company defaulted six months later.
That experience — a preventable loss traced back to manual spreadsheet work — became the founding premise for RiskPulse. If the ratios had been computed by a dedicated, tested system rather than copy-pasted formulas, the red flags were there. The current ratio was 0.92. The interest coverage had been trending down for three quarters. Nobody caught it because nobody had a system that was designed to catch it.
We spent eighteen months talking to credit analysts, CFOs, private equity associates, and controllers before writing a line of code. The consistent theme: everyone was doing the same manual ratio work, everyone knew it was error-prone, and no one had a product purpose-built for the intersection of financial statements and risk analysis.
RiskPulse launched its first public version in early 2023. Today we process over 2,400 financial reports a month for clients ranging from independent financial advisors to mid-market lending desks.
To make rigorous financial risk analysis accessible to every organization that extends credit, makes investments, or manages financial exposure — not just the ones that can afford a team of analysts.
Former credit analyst at First Abu Dhabi Bank. 2 years in commercial lending before helping found RiskPulse.
Ex-finance-analyst at a mid-market bank. MS Finance, NYU.
A risk score is only useful if it's right. We maintain rigorous test suites against known financial datasets and publish our model methodology openly.
Every flag, every score, every ratio comes with an explanation. We don't do black boxes. Analysts need to understand and defend their conclusions.
Fast analysis only matters if the analysis is right. We optimize for speed as a secondary objective — thoroughness is never sacrificed to hit a timer.
Our roadmap is driven entirely by working finance professionals. If it doesn't solve a real workflow problem, we don't build it.
Whether you're evaluating RiskPulse for a single team or an enterprise rollout, we're happy to walk you through a live demo on your own data.
Tell us about your organization, your current risk workflow, and what you're hoping to solve. If you're ready to run a live demo, mention that and we'll come prepared with your industry's benchmark data.