Analysts rekey P&L, BAS and balance sheets into Excel — 2–4 hours per deal before any analysis begins.
Does revenue match the BAS? Do wages reconcile with the tax return? Easy to miss, and hard to prove later.
Credit policy applied differently by each analyst, with the audit trail scattered across spreadsheets and email.
Your documents go in. A fully traced credit assessment comes out.
P&L, BAS, balance sheets, tax returns — classified and extracted automatically.
20+ ratios, DSCR, stressed scenarios and multi-year trends, instantly.
Every mismatch across documents flagged, with the sources side by side.
Your policy applied automatically; findings grouped by the 5 C’s.
A committee-ready credit memo — every number traceable.
Configured to your policy. Traceable to the source. Built for Australia.
Every ratio, finding and figure traces back to the source document and line item it came from. Analysts trust what they can see — and can defend it in committee.
Every threshold, limit and tolerance is set per product — Prime, Near-Prime and Specialist tiers with their own LVR limits, credit tolerance and ABN rules. Change it once; it applies to every new assessment.
ABN/GST verification via ABR, BAS cross-checks and credit-impairment tiers by product — built for Australian commercial regulation, not adapted from offshore.
What takes your team days, Ragsha does in minutes — with a full audit trail.
See Ragsha assess a real commercial deal in 10 minutes. Bring your own P&L and BAS — we'll run it live.
Request a DemoNo commitment. 30-minute walkthrough. Bring your own documents.