Any variable.
Every statement.
Instant answers.

Change any input — a loan, a distribution, turn days, margins — and watch the full result cascade instantly through every statement, every ratio, and every KPI.

Start Free Trial →See how it works
Built for bankers, CPAs, and CFOs
Yr 1$435K
Yr 2$681K
Yr 3$924K
Yr 4$1.2M
Yr 5$1.4M
Live KPIs · 5-yr forecast
Working Capital↑ $1,794K
DSCR (NI)4.9× in Yr 4
Net Income↑ $341K
A/R Turn Days33 days
8Complete financial statements
31Banker-grade ratios, auto-computed
5 yrsForward-looking forecast, chained
~5 minTo import financials via Caseload AI
The gap in the market

Most tools show you what happened.
This one shows you what's coming.

Every competing tool is built around historical reporting. Netcase AI is built around the question your client is actually asking in the room.

Other tools
  • ✗Historical reporting only
  • ✗Disconnected statements
  • ✗Manual what-if analysis
  • ✗AI bolted on as a chatbot
  • ✗No goal-seek or reverse solve
  • ✗Import takes hours
Netcase AI
  • ✓Forward-looking forecast model
  • ✓8 statements, fully tied
  • ✓Any variable, instant cascade
  • ✓AI writes back to the model
  • ✓Set Target — reverse any output
  • ✓Caseload: ~5 min import
See it live

Excel-style familiarity. AI-powered depth.

The rows, columns, and structure CPAs and bankers already know — with forward-looking forecast columns color-coded by year, all statements always in sync.

netcase.ai / dashboard / balance-sheet
Dashboard
Companies
Reports
Settings
AI Chat
Balance Sheet
▲ Collapse All
Columns
View
Loans
◎ Set Target
↺ Reset
Cash
$435$681$924$1,168$1,411
Working Capital
$818$1,064$1,307$1,551$1,794
DSCR (NI)
4.8x4.8x4.9x4.9x4.9x
A/R Turn Days
3333333333
Caseload
Balance Sheet
Income Statement
Equity
Cash Flow
Sources & Uses
CCA
Funds Flow
Ratios
Goal Dashboard
in thousands (000s)
Accrual Basis
2024$ Act
2025$ Act
2026$ Fct
2027$ Fct
2028$ Fct
2029$ Fct
2030$ Fct
Assets
Current Assets
Cash AI1904356819241,1681,4111,654
Trade Accounts Receivable268268268268268268268
Inventory412412412412412412412
Total Current Assets8921,1371,3831,6261,8702,1132,356
Fixed Assets
Gross Fixed Assets510510510510510510510
Accumulated Depreciation (−)(160)(220)(280)(340)(400)(460)(520)
Total Assets1,2581,4351,6211,8041,9882,1712,354
Core capabilities

Everything a credit file actually needs

Not another P&L template. A complete, tied financial model — built the way bankers and CPAs actually think.

01

Complete pro-forma financials

IS + BS + CF (Indirect & UCA) + Equity + Sources & Uses + Funds Flow + CCA. All tied. All chained year-over-year.

02

Set Target — reverse the model

Enter any output target. Pick any driver. The bisection solver finds the exact input that gets you there — cross-page, cross-year.

03

Loans & financing integrated

Add any loan. Payment schedules, interest, and debt service propagate automatically through every statement and all coverage ratios.

04

Distributions & estimated payments

Model owner distributions and estimated tax payments. Every dollar flows through working capital, equity, and cash exactly as it should.

05

Caseload: AI extraction

Upload PDFs, QuickBooks exports, or images. Three parallel AI calls extract IS, BS, and equity in about five minutes — validated and mapped.

06

AI throughout — with write-back

AI reads every statement, ratio, and driver. Proposes driver changes and goal-seek targets via chat. One click applies them and cascades through the full model.

How it works

From financial statements to full forecast in minutes

Import with Caseload AI

Upload PDFs, QuickBooks exports, or images. AI extracts and validates IS, BS, and equity in ~5 minutes. You walk in ready.

Model your forecast

Adjust growth rates, margins, AR/AP days, loans, distributions, and capex. Every change cascades through all 8 statements automatically.

Answer any question

Use AI chat to analyze on the fly. Set targets and reverse-solve. Export to Markdown or HTML for your own AI models or client deliverables.

No documents required

Start from any public company or nonprofit

Skip the file hunt. Pull years of official financials straight from the source in seconds — then forecast forward with the same tied model.

SEC EDGAR · 10-K

Public companies

Type a ticker or company name. Netcase pulls the last several years of audited 10-K financials straight from SEC EDGAR — fully deterministic, no AI.

AAPL
AAPLApple Inc.FYE Sep · NASDAQ
MSFTMicrosoft Corp.FYE Jun
FY2022FY2023FY2024✓ Audited · deterministic
IRS e-file · Form 990

Nonprofits

Type an organization name. Netcase pulls the last several years of Form 990 financials straight from IRS e-file data — fully deterministic, no AI.

American Red Cross
990American National Red Cross501(c)(3)
990Habitat for Humanity Intl.501(c)(3)
FY2022FY2023FY2024✓ E-filed · deterministic
Imported in seconds→5-year forecast, every statement tied, every ratio live — same model, whether the data came from a PDF, EDGAR, or the IRS.
Why Netcase AI

The forecast is the product — not an afterthought

Most tools report the past and leave the future to a side spreadsheet. Netcase AI is one tied model where every statement, ratio, and KPI moves the moment you change an assumption.

  • ✓
    Every statement ties, automaticallyIS, BS, cash flow, equity, and funds flow always reconcile. Change one driver and the entire model re-solves — no re-linking, no broken references.
  • ✓
    Reverse the model with Set TargetName the output you need to hit — a DSCR, a cash balance, a ratio — pick any driver, and the solver finds the exact input. No competing tool does this.
  • ✓
    Banker-grade accuracy you can defendEvery engine output is automatically parity-tested against a production credit-analysis model, so the numbers hold up in front of a credit committee.
  • ✓
    Built for the client meetingNot a back-office reporting tool. A live decision-support tool — designed to answer difficult questions on the fly, in the room.

Live output — auto-calculated

Total Funds Flowin thousands (000s)
Sources
Net Income2025 Actual313
Depreciation & Amortization68
Other Sources—
Total Sources381
Uses
Distributions Paid(243)
Net Fixed Asset Purchases(25)
Long-Term Debt Reduction(52)
Total Uses(320)
Net Change in Working Capital61 ✓
Derived from IS, BS & Equity — always in sync
AI throughout the application

Ask. Propose.
Apply. Done.

AI is embedded in every page — not a chatbot beside the model. It reads every statement, ratio, and driver. You review every change before anything saves.

Analysis
Summarize any statement, ratio, or KPI in plain English — in context, instantly.
Write-back
Propose driver changes or cell overrides via chat. One click applies and cascades.
Goal-seek
“Get DSCR to 1.25 in year 3” — AI triggers the Set Target solver from conversation.
Audit trail
Every change is timestamped. Chat history is your assumption log for the credit file.
AI Chat — Balance Sheet
What happens to working capital if we add a $500K equipment loan at 6.5% over 5 years?
Adding a $500K loan increases long-term debt but the $113K annual debt service reduces operating cash flow and pressures working capital in years 1–2. By year 3, net income growth more than covers the service cost.
Proposed change · Loan Schedule
Loan amount$500,000
Rate / Term6.5% / 60 mo.
WC impact yr 1↓ $113K
Ask about any forecast variable…
Who it's for

Built for every professional who answers financial questions

Bankers & Relationship Managers

Run loan scenarios, stress tests, and DSCR projections live in client meetings.

CPAs & Accountants

Import financials in minutes. Build credible multi-year forecasts for advisory clients.

Fractional & Full-Time CFOs

Board presentations, lender packages, and scenario planning. Full model depth at your fingertips.

Business Owners

See what your balance sheet and cash flow look like before any major decision.

Financial Analysts

Stress-test assumptions. Set targets and reverse-solve. Export to your own AI workflows.

Business Consultants

Answer difficult financial questions on the fly with a simple, professional interface.

Credit Analysts

UCA cash flow, Funds Flow, coverage ratios — the exact framework your credit committee runs.

Anyone who needs a number to hold up

If you've ever said “let me get back to you” in a financial meeting — this is built for that question.

Pricing

One plan. Every feature included.

No tiers, no add-ons, no feature gates — everything in Netcase AI, for one flat monthly price. Month-to-month.

30-day free trial
Netcase AI Professional
$100
per month · month-to-month
  • All 8 financial statements — IS, BS, Cash Flow (Indirect & UCA), Equity, Sources & Uses, Funds Flow & CCA
  • 5-year forward forecast, fully tied and chained
  • 31 banker-grade ratios + KPI dashboard
  • Caseload AI import — PDFs, QuickBooks exports & images
  • AI chat with write-back on every page
  • Set Target — reverse-solve any output for any driver
  • Loans & debt service, fully integrated
  • Distributions & estimated tax payments
  • Export to Markdown, HTML & Excel-compatible copy
Start Free Trial

30-day free trial · No credit card required

“I built this with the goal and dream of providing financial professionals a way to answer difficult questions with a simple interface — and to walk into any client meeting with a credible, forward-looking answer ready.”

— Casey Yoshihara, CPA · Founder, Netcase AI

Stop saying “let me get back to you.”

Netcase AI is built for bankers, CPAs, fractional CFOs, financial analysts, and consultants — anyone who needs a credible, forward-looking answer in the room.

Start Free Trial →Schedule a demo

No credit card required · Nothing else like it