GLIB.ai - Financial Statement Analyzer | Agentic AI Spreading

Stop the Excel back-and-forth

From messy statements to complete spreads in minutes

Financial statements are unstructured and messy. We handle the chaos—converting balance sheets, P&L statements, and cash flows into spreads, ratios, scorecards, decisions, and memos without the hours of manual Excel work.

No more Excel back-and-forth: Stop spending hours copying, pasting, and formatting data across spreadsheets. Our solution eliminates the manual grind and delivers complete spreads in minutes.
Complete outputs, automatically: Get spreads, financial ratios, credit scorecards, risk decisions, and credit memos—all generated automatically from raw financial statements. Everything you need for credit analysis in one place.
Batch processing at scale: Process hundreds of financial statements simultaneously with batch upload capabilities. What used to take days now takes minutes—freeing your team for higher-value analysis.

Intelligent & multilingual

Agentic AI that understands 25+ languages

Our latest agentic AI technology processes statements in English, Spanish, German, French, Italian, Chinese, Japanese, and more. It intelligently handles both public and private company financials, no matter how messy or unstructured.

Powered by agentic AI: Our latest technology uses agentic AI to intelligently navigate messy, unstructured financial statements. It understands context, handles variations, and adapts to different formats—just like a human analyst, but faster.
25+ languages supported: Process financial statements in English, Spanish, German, French, Italian, Chinese, Japanese, and 18+ more languages. No need for translation—our AI understands the original documents natively.
Public and private financials: Whether you're analyzing publicly traded companies or private SMEs, our solution handles both seamlessly. From audited annual reports to unaudited management accounts—we process them all.

Your rules, your control

Custom taxonomies with human-in-the-loop

Bring your own taxonomy or scorecard—we'll configure our solution to match your requirements. Built-in human-in-the-loop features and overrides ensure you're always in control of the final output.

Bring your own taxonomy: Use your proprietary chart of accounts, scoring models, or risk frameworks. We configure the solution to map and spread according to your exact requirements—no compromises.
Human-in-the-loop controls: AI handles the heavy lifting, but you stay in control. Built-in review workflows let analysts validate, override, and refine outputs before finalizing spreads and decisions.
Seamless API integration: Integrate with your existing loan origination systems, core banking platforms, or credit decisioning tools. Our RESTful APIs and webhooks make automation effortless.

Complete automation from document to decision

Spreads, ratios, scorecards, credit memos—everything you need for faster, smarter credit decisions.

Deep Data Extraction

Extract all tabular data and line items from main statements to notes and schedules buried deep in annual reports. Our AI navigates complex document structures to capture everything.

Adaptive Categorization

AI-powered categorization of line items that adapts to your standards and patterns. The system learns your taxonomy and applies it consistently across all statements.

1-Page Memo Generation

Generate executive summary memos grounded in accurate financial data derived from spreading. Transform raw numbers into actionable credit narratives automatically.

Custom Configuration

Configure ratios, formulae, and validation rules for tighter control. Bring your own scoring models, thresholds, and business logic to ensure outputs match your requirements.

Extract all tabular data and line items from main statements to notes and schedules buried deep in annual reports. Our AI navigates complex document structures to capture everything.

AI-powered categorization of line items that adapts to your standards and patterns. The system learns your taxonomy and applies it consistently across all statements.

Generate executive summary memos grounded in accurate financial data derived from spreading. Transform raw numbers into actionable credit narratives automatically.

Configure ratios, formulae, and validation rules for tighter control. Bring your own scoring models, thresholds, and business logic to ensure outputs match your requirements.

Turn Messy Financial Statements into Spreads in Minutes, Not Hours

Trusted by leading businesses

Stop the Excel back-and-forth

Intelligent & multilingual

Your rules, your control

Stop the Excel back-and-forth