FinReady - Finance Kit
Banks don't lend to guesswork. FinReady turns your daily records into the statements they actually ask for.
Log sales, expenses, and stock the way you already think about them. FinReady builds your income statement, balance sheet, and cash flow - then tells you if a loan is within reach.
- Bank-ready reports, generated on demand
- 6Bank-ready reports, generated on demand
- Financial statements built from daily entries
- 3Financial statements built from daily entries
- Of cash positions tracked month by month
- 12 moOf cash positions tracked month by month
- Bankability score lenders can read at a glance
- 1Bankability score lenders can read at a glance
Figures illustrative. Every bar is built from your own ledger entries.
A connected finance workflow
From daily activity to a lender-readable business.
One record should do more than sit in a spreadsheet. FinReady carries it through your operational ledgers, statements, and loan-planning tools.
Record the day as it happens.
Enter sales, expenses, stock purchases, customer payments, and opening balances in familiar business language.
Let the ledgers stay connected.
FinReady updates cash, inventory, debtors, COGS, profit, and balance-sheet positions from the same entries.
Walk into the bank prepared.
Review your readiness, test repayment capacity, and export consistent lender-facing reports when they are needed.
The ledgers
Six ledgers that mirror how your business actually runs.
You shouldn't need an accountant to record a sale. Each ledger is shaped around a physical action in your business — sell something, buy stock, pay an expense — and FinReady handles the accounting behind it.
- 01
Sales ledger
Itemized sales with support for part-payments and credit customers, so debtors never slip through.
- 02
Expenses ledger
Overheads categorized for tax and profit-and-loss reporting from the moment you enter them.
- 03
Inventory ledger
Stock on hand, restock quantities, unit costs, opening values, and reorder levels in one place.
- 04
Customers & debtors
Customer records with full transaction histories and aging on every outstanding balance.
- 05
Cost of goods sold
COGS generated automatically from your sales entries using product unit costs. No manual math.
- 06
Stock purchases
Batch restock orders with payments, expected quantities, and arrivals tracked to the unit.
- Revenue
- ₦4,820,000
- Cost of goods sold
- (₦2,610,000)
- Gross profit
- ₦2,210,000
- Operating expenses
- (₦1,340,000)
- Net profit
- ₦870,000
Generated by FinReady · Unaudited · Fictional figures
The paperwork
Reports that follow the same records you use every day.
Produce consistent statements, lending outputs, operating registers, and stock documents without exposing tax IDs or bank-account details.
Financial statements
Income statement · Balance sheet · Cashflow statement
Lending and collections
Loan readiness · Loan planning · Debtor aging
Operational registers
Sales register · Expense register · COGS register
Stock documents
Purchase orders · Goods received notes
Loan readiness
Know your answer before you ask the bank.
FinReady scores your bankability from the same numbers a lender would examine, and gives a plain verdict — not a maybe. Then the loan planner simulates the loan you want: it measures your real monthly repayment capacity and lays out the full reducing-balance schedule, period by period.
- 01Profit margins over the last twelve months
- 02Liquidity and month-end cash positions
- 03Trading history and record consistency
- 04Business compliance and registration answers
Amortization schedule — first 4 of 18 periods
| Per. | Payment | Interest | Balance |
|---|---|---|---|
| 01 | 182,300 | 45,000 | 2,862,700 |
| 02 | 182,300 | 42,940 | 2,723,340 |
| 03 | 182,300 | 40,850 | 2,581,890 |
| 04 | 182,300 | 38,728 | 2,438,318 |
Figures illustrative. Computed from your actual cash capacity.
Security and data control
Your books are your business.
Sensible account controls, user-scoped records, and exports designed to disclose the financial evidence a lender needs, not every detail you store.
- SEC 01
Optional authenticator MFA
Add a time-based authenticator code to strengthen password sign-in when your business needs it.
- SEC 02
Your rows, only yours
Database row-level security scopes business records to the signed-in account.
- SEC 03
Your data stays portable
Export your account data as an archive or request permanent account deletion from Settings.
- SEC 04
Private by default in print
PDFs omit bank-account details, routing codes, and tax identifiers.