From policy wording to financial impact.
Know your cash-flow risks and protection gaps before a loss hits. SBFinance combines your financial export, an insurance-policy PDF and a short risk questionnaire to show where you may be financially exposed, what coverage may apply, and how an uncovered event could create a cash gap.
Built to help close the SME protection gap · All demo data is synthetic and clearly labelled
Local-first analysis · Deterministic calculations · Evidence from the numbers and the policy wording.
Most SMEs are underinsured — and can't see it
Small businesses rarely have the time, data or specialist knowledge to connect their own numbers to their policy wording. So they don't know where an uninsured event — a cyber outage, a key supplier failing, property loss, or an interruption — would actually hurt, or how it would hit cash flow.
Three inputs you already have
Financial export
Upload a CSV/XLSX. SBFinance runs its deterministic analysis (revenue, expenses, cash, runway, supplier concentration).
Insurance policy PDF
Upload a text-based policy. SBFinance extracts limits, sub-limits, deductibles and exclusions with page-level evidence — scanned PDFs are safely unsupported.
Short risk questionnaire
A few fields (industry, digital dependency, key-supplier dependency, tolerable downtime, and any asset value you choose to enter).
Your numbers meet your policy
SBFinance derives daily revenue and fixed-cost burden from your verified financials and reads limits and deductibles straight from your policy — then models what an event would cost and how much of it your coverage would actually pay.
Cyber, supply-chain, asset & business interruption
Cyber disruption
Cost of a selected outage = downtime × daily fixed-cost burden + your recovery cost. No invented breach probabilities.
Supply-chain interruption
Spend-concentration signals plus an interruption scenario. We flag that high spend isn't automatically business-critical until you confirm it.
Asset / property loss
Uses the asset value you provide — never inferred from your expense transactions.
Business interruption
Days × daily revenue × contribution margin + unavoidable fixed costs, shown against your available cash buffer.
See exactly where coverage may fall short
An illustrative example (synthetic). Statuses stay honest — under ambiguity we show a range, not a false number.
| Risk | Status | Impact | Limit | Uncovered |
|---|---|---|---|---|
| Cyber | No matching coverage found | USD 21,000 | — | USD 21,000 |
| Supply-chain | No matching coverage found | USD 31,667 | — | USD 31,667 |
| Business interruption | Possible partial gap | USD 33,333 | USD 25,000 (sub-limit) | USD 9,333 |
| Asset / property | Covered — subject to verification | USD 150,000 | USD 200,000 | USD 2,500 (deductible) |
Indicative only. Actual coverage depends on the full policy wording, endorsements, exclusions and the insurer's decision. Not a coverage determination.
How a loss hits your runway
The scenario simulator recomputes deterministically as you change downtime, supplier disruption, recovery costs, deductibles, limits or available cash — showing covered vs uncovered amounts and your runway before and after the event. In the example above, an uncovered supply-chain event takes cash from USD 50,000 to USD 18,333 and runway from 6 months to 2.2.
Every result shows its work
Policy facts link back to the page and the exact snippet they came from. Financial inputs show their derivations. The readiness score exposes its components, weights and missing-data penalty. Raw extracted statements, normalized facts and inferred interpretations are kept separate — an inference is never shown as a stated policy fact.
Runs on your machine
Ingestion, extraction, calculation and reporting run on-device — no cloud dependency. The uploaded policy is treated as untrusted input: SBFinance extracts data only and ignores any instructions embedded in the document. Policy identifiers are masked in the UI and logs, and derived exports can exclude raw transactions and policy identifiers entirely.
For SMEs
See your exposure, gaps and the cash impact of a loss in minutes, from files you already have. Generate a professional PDF SME Risk & Protection Readiness Report to take to your broker — with a risk register, coverage-gap matrix, evidence citations, assumptions and discussion points.
For brokers & insurers
A structured, evidence-linked risk-and-gap view of an SME derived from real financials and the client's own policy — a conversation starter and a potential data feed, not a replacement for underwriting. SBFinance does not sell or recommend a specific product and makes no eligibility or actuarial determination.
Design-partner ready
A versioned Protection Assessment Export API produces a documented JSON export with explicit consent, redaction controls (derived risk facts only, or full) and an audit trail — so a future broker/insurer pilot can integrate the derived risk view without raw financial or policy data leaving the SME unless they choose. No insurer-specific endpoints are fabricated.
Frequently asked questions
Is this an insurance quote or a coverage decision?
No. It is indicative decision-support. Actual coverage depends on the full policy wording, endorsements, exclusions and the insurer's decision. Always verify with a qualified insurance professional.
Where does the analysis run?
Locally, on your machine. There is no cloud dependency for the analysis, and the policy PDF never has to leave your device.
What files do you support?
CSV/XLSX financial exports and text-based insurance-policy PDFs. Scanned (image-only) PDFs are detected and safely marked unsupported — we never fabricate coverage from an unreadable document.
Do you estimate breach probabilities or asset values?
No. Loss scenarios are explicit "what if" calculations you control, and asset values are only ever the ones you enter — never inferred from your transactions.
Are the numbers reproducible?
Yes. The engine is deterministic and versioned — the same inputs always produce the same outputs.
Important notices
Results are indicative and for decision-support only. SBFinance is not a broker, underwriter, legal adviser, claims handler or authoritative coverage engine. Policy interpretation requires human verification; actual coverage depends on the full policy wording, endorsements, exclusions and the insurer's decision. Estimated losses are scenarios, not actuarial predictions. SBFinance does not recommend or sell a specific insurance product. Consult a qualified insurance professional before purchasing, changing or relying on coverage. All examples on this page use synthetic data and an illustrative policy.
Run the Protection Gap demo
The one-click demo loads a synthetic SME, an illustrative policy and a risk profile, then runs the full assessment — locally in the SBFinance desktop app. Download the app to try it on your own (private) data.