BalanceSheet AI

BalanceSheet AI helps Indian small businesses, consultants and loan professionals prepare structured financial projections for MSME loan appraisal. Create Indian-style financial statements from practical business inputs such as monthly sales, expenses, stock, debtors, creditors, capital, drawings and the requested loan amount. Key features • Separate Trading and Profit & Loss Account and Balance Sheet • CMA and banking-indicator calculations • Cash Credit, Term Loan and Composite Loan proposals • Five-year projections and DSCR for eligible term-loan cases • Current ratio, TOL/TNW, net working capital and permissible bank finance • Loan Sanction Simulator for testing realistic business assumptions • Business templates with figures that scale to the selected loan requirement and monthly sales • Benchmark warnings and relevant corrective suggestions • Page-wise PDF preview with pinch-to-zoom • My Financials for saving, reopening and deleting drafts or completed reports • Loan-appraisal tutorial explaining banking and commercial terms • Optional AI-generated credit commentary based on the calculated report Pricing Creating and previewing a report is free. PDF sharing or export costs ₹100 for each financial year included in the report. Payment is required only when the user chooses to share or export. Important The app prepares projections from information and assumptions entered by the user. Results are intended to assist documentation and appraisal discussions; they do not guarantee loan eligibility, approval or sanction. Final figures, tax treatment, banking norms and supporting documents should be verified by the borrower and the relevant professional or lender.