● Autumn 2026 pilot now open
Spot financial distress and earnings manipulation up to 18 months early.
FinGuard AI reads financial statements the way a forensic accountant would, then shows you exactly why a company is at risk. Explainable AI, built on peer-reviewed research.
Risk report
Sample Co. · FY2025
Illustrative sample
Distress risk
72
High · review now
Manipulation risk
48
Moderate · monitor
Why this score
Interest coverage fell to 1.1×
High impact
Accruals 2.4× industry median
High impact
Receivable days up 38 year over year
Medium
Sound familiar?
You’re a forensic accountant or financial analyst trusted to catch risk before it’s too late — but financial distress can stay hidden until a crisis hits.
The problem
Traditional methods are manual, reactive, and slow. By the time distress is visible, the damage is done.
Your guide
FinGuard AI finds the warning signs early
FinGuard AI analyzes financial statement data using peer-reviewed machine learning models to surface early warning signals — up to 18 months before crises manifest.
Your plan
01
Upload financial statements or data.
02
Receive a Risk Score and key warning indicators.
03
Make confident decisions with explainable AI insights.
18 months
Early warning before distress surfaces
20 years
Of NYSE & NASDAQ filings behind our models
Peer-reviewed
Methods published in academic journals
Explainable
Every score traced to specific disclosures
Our mission
To make financial reporting more trustworthy by giving the people who oversee it an early, explainable warning of distress and manipulation, before investors, employees and the public pay the price.
Who it’s for
Built for the people who protect financial integrity
Auditors & accountants
Sharpen risk assessments and focus audit planning where it matters.
Forensic accountants & financial crime analysts
Spot earnings manipulation and fraud red flags faster.
Regulators
Identify the firms that need a closer look.
Lenders, investors & corporate leaders
Assess credit and portfolio risk, and monitor your own company’s financial health.
Why teams trust FinGuard
Early warning
Flags distress up to 18 months before a crisis becomes public.
Not a black box
Every score maps back to the ratios and disclosures that drive it, so you can defend it to a client, board or regulator.
Grounded in research
Models developed and tested on two decades of NYSE and NASDAQ filings, published in peer-reviewed journals.
Built by researchers who have investigated fraud firsthand
Dr. Sana Ramzan, DBA
Co-Founder & Chief Research Officer
Doctoral research at Royal Roads University on explainable AI for predicting financial distress and earnings manipulation.
Dr. Mark Lokanan, PhD
Co-Founder & Chief Scientific Advisor
Professor of Accounting at Royal Roads University; former fraud investigator with Ontario’s Ministry of the Attorney General.
Ready to see FinGuard AI in action?
Join the Autumn 2026 pilot. Pilot partners get full platform access at no cost in exchange for feedback. Spaces are limited.