ZAF Tools v4.0 is a Windows Excel add-in built for finance and M&A professionals — analysts, CA firms, and FDD teams. Built by a Big 4 FDD veteran with 15+ years in transaction advisory. What's inside: → 3-Statement Financial Model Builder (IS, BS, CF, Dashboard) → Multi-provider AI engine (OpenAI, Claude, Gemini, Kimi, OpenRouter, Groq) → EBITDA Bridge analysis → Cover Page & Index navigator → 25+ finance productivity tools BYOK model.