Reef - Your always-on expert financial analyst team

What is Reef: Your Always-On Expert Analyst Team

Every financial team has a nightmare scenario: the senior analyst who built your most critical models hands in their resignation. Suddenly, years of institutional knowledge walks out the door, and the rest of the team is left staring at spreadsheets they didn't create and can't fully understand. This is called Key Man Risk—and it's one of the most underappreciated threats in finance today.

Reef solves this problem by becoming your "always-on expert analyst team." Think of it as AI technology that permanently captures and preserves the expertise of your best financial minds. When you work with Reef, you're not getting a basic automation tool—you're getting a system that builds, validates, and explains financial models the way a senior analyst from a top investment bank would.

Whether you're in corporate finance, investment banking, asset management, or private equity, Reef adapts to your workflow. Leading companies like Paytrack, Jefferies, and NPC already trust Reef to handle their most critical financial modeling needs. The platform doesn't just crunch numbers—it understands context, validates logic, and explains its reasoning in plain English.

What makes Reef different from generic AI tools? It was built specifically for financial modeling, with deep understanding of accounting principles, valuation methodologies, and Excel intricacies. When Reef analyzes your model, it sees the entire workbook—the formulas, the links, the dependencies—not just the numbers on a single sheet.

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Reef's Core Features

You can use Reef to transform how your team approaches financial modeling. Instead of spending hours building models from scratch or hunting through spreadsheet errors, you simply describe what you need—and Reef handles the heavy lifting.

AI Build Models lets you send your ideas through chat and receive fully validated financial models in return. Describe a business scenario, specify your assumptions, and Reef generates a complete model with triple-checked calculations. This means you go from concept to analysis-ready model in minutes instead of days.

Email Edit Models changes the game for busy professionals. Simply forward any spreadsheet and explain what needs changing. Reef updates the numbers and formulas, then emails you back the revised file. You never need to log into another platform—just use the email tool you're already using.

When it comes to quality control, Analyze & Fix Errors works like having a senior analyst review every worksheet. Reef reads each tab, identifies errors, and explains them the way a human expert would—not just flagging problems, but explaining why they matter and how to fix them.

The Audio Briefings (Narrate) feature turns your models into spoken explanations. Need to prepare for a management meeting or client call? Listen to Reef walk through the model in clear English. It's perfect for commutes or quick prep sessions.

For extracting data from external sources, PDF Data Extraction handles messy reports and pitch decks that would otherwise require manual data entry. Reef cleanly pulls tables from any document, getting you from source material to analysis-ready data in seconds.

Behind the scenes, Full Workbook Context analyzes your entire Excel file—every formula, every link, every dependency—creating a detailed map of how your model works. Sandbox Environment ensures every edit is tested in an isolated environment before being applied to your real files, catching errors before they cause problems. Finally, Centralized Repository keeps all your original and updated files in one secure location with full version control.

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Who Uses Reef

Reef serves financial professionals across multiple verticals, each with distinct challenges that the platform addresses.

If you're dealing with Key Man Risk, you know the pain of watching institutional knowledge walk out the door. Reef permanently captures how your best analysts build and validate models. New team members can understand and modify models created by predecessors because Reef documents the logic and reasoning, not just the formulas. Your team's collective intelligence stays in the system regardless of personnel changes.

For Financial Planning & Analysis teams, manual model building consumes enormous time and introduces errors. You describe what you need in plain language, and Reef generates a model with built-in validation. Rather than spending hours checking formulas, you review an already triple-checked model. The time savings compound across every project.

Investment Banking deal teams face relentless pressure to turn around analysis quickly. Whether it's transaction analysis, valuation models, or due diligence support, Reef provides instant expert assistance. You meet tighter deadlines without sacrificing accuracy—and your team handles more deals simultaneously.

Asset Managers need real-time portfolio analysis and risk assessment to make informed investment decisions. Reef's AI-driven insights help you evaluate opportunities faster and with more confidence. The platform handles the number-crunching so you focus on strategic decisions.

Private Equity professionals managing deal flow benefit from AI-assisted optimization across the entire investment lifecycle—from sourcing through due diligence to portfolio company analysis. Screening and evaluation become more efficient, letting your team cover more opportunities without expanding headcount.

For Model Audit & Compliance, the complete audit trail and reproducibility features satisfy regulatory requirements that traditional spreadsheets struggle to meet. You demonstrate controls and maintain documentation without the manual effort.

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Technical Features

Reef's architecture was built specifically for the demanding requirements of financial modeling, with safety and accuracy as foundational principles.

The Full Workbook Context system represents a fundamental advance over traditional spreadsheet tools. Rather than analyzing individual cells or sheets in isolation, Reef reads your entire Excel workbook and generates a comprehensive map of formulas, links, and dependencies. When you ask why a specific number is what it is, Reef can trace back through every calculation path to explain the logic. This is impossible with basic Excel functions or generic AI assistants.

The Sandbox Environment creates an isolated testing ground for every modification. Before any change reaches your actual files, it runs through real-time testing that captures errors, broken formulas, or unexpected results. Only after validation does Reef apply changes to your production files. This approach eliminates the risk of model corruption during iteration—a common nightmare in financial modeling.

AI Error Detection combines pattern recognition with financial domain expertise. Reef doesn't just look for formula errors—it understands accounting logic and financial relationships. When something looks wrong, it explains the issue the way a senior analyst would: pointing out the specific problem, why it matters for your analysis, and what the likely fix should be.

The PDF Data Extraction engine handles the messy reality of real-world financial documents. Pitch decks, annual reports, and third-party analyses often have tables embedded in complex layouts. Reef intelligently identifies and extracts tabular data, converting it to structured formats you can immediately use in your models.

Audio Briefings use text-to-speech technology combined with deep understanding of financial model semantics. When Reef explains your model, it doesn't just read labels—it understands what the numbers mean in context and presents them in a logical narrative flow.

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Pricing Plans

Reef offers three tiers designed to match your team's needs—from individual analysts to large financial institutions. All plans include a 14-day free trial so you can experience the full capabilities before committing.

Plan Comparison

The Free plan is ideal if you're evaluating Reef personally or need basic model building and analysis capabilities. You get enough capacity to understand the platform's value before scaling up.

The Professional plan represents the sweet spot for most finance teams. With up to 20 team members, 200 monthly projects, and unlimited email assistance, it handles demanding workloads. Priority support ensures you get answers when you need them, while API access enables custom integrations with your existing tools.

The Enterprise plan provides everything large organizations need: unlimited everything, dedicated support, service level agreements, and advanced security features including private cloud deployment options. If you have compliance requirements or need guaranteed response times, this is your choice.

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Frequently Asked Questions