Free banker-grade 3-statement financial model builder for accountants and SME founders. Fully linked IS + Balance Sheet + Cash Flow across 24 months. Actuals-anchored forecasting, live CAD/USD FX rates, Canada + USA (CRA/GAAP), custom OpEx lines, seasonality presets, and a 7-page banker-ready PDF export. Built from a real banker request: "We need monthly forecasts with working capital and long-term balance sheet elements." Free. Always. No account required.