Grant Guardian Financial Analyzer

What this tool does: This simulates what a Grant Guardian report looks like, using PJMF's three publicly documented financial ratios (Current Ratio, Cash Reserve Ratio, Donor-Restricted Net Assets Ratio). Individual foundations configure their own thresholds and weights — this tool uses documented examples. Grant Guardian itself uses Claude AI to extract these numbers from uploaded PDFs; here you enter them manually. Sources: Official Product Page · PJMF Medium (Social Responsibility) · Anthropic Case Study

🏛️ Organization Information

Organization Name

Fiscal Year End

Primary Document Source

Program Area

Currency ?Grant Guardian supports international organizations with currency conversion. Select the currency of your submitted financial documents.

Organization Type

📊 Statement of Financial Position (Balance Sheet)

These values feed the Current Ratio and Donor-Restricted Net Assets Ratio. In Grant Guardian, Claude AI extracts these from your uploaded PDFs and identifies the exact document and page where each number was found.

Current Assets ?Cash, receivables due within 12 months, prepaid expenses, and short-term investments. Form 990 Part X, or balance sheet current assets section. Form 990 Part X — or balance sheet current assets

Current Liabilities ?Obligations due within 12 months: accounts payable, accrued liabilities, deferred revenue, current portion of long-term debt. Form 990 Part X — or balance sheet current liabilities

Total Assets Form 990 Part X, Line 16

Total Liabilities Form 990 Part X, Line 26

Unrestricted Cash & Cash Equivalents ?Operating cash and money market funds NOT subject to donor restrictions. Exclude restricted cash held for specific purposes. Form 990 Part X, Lines 1–2 (unrestricted portion). Form 990 Part X, Lines 1–2 (unrestricted only)

Liquid Unrestricted Investments ?Marketable securities and investments liquidatable within 90 days without material penalty, NOT donor-restricted. Enter 0 if none. Form 990 Part X, Lines 3–4 (unrestricted, short-term). Form 990 Part X, Lines 3–4 (unrestricted short-term)

Donor-Restricted Net Assets ?Net assets subject to donor-imposed restrictions — both purpose-restricted (temporarily) and endowment (permanently). Form 990 Part X, Lines 28–29 (with donor restrictions). Form 990 Part X, Lines 28–29 (with donor restrictions)

Net Assets Without Donor Restrictions Form 990 Part X, Line 27 (without donor restrictions)

📈 Statement of Activities (Income Statement)

These values feed the Cash Reserve Ratio (via average monthly expenses) and provide context for the AI-generated narrative summary and revenue concentration flags.

Total Annual Expenses ?Total functional expenses for the fiscal year — program services + management & general + fundraising. Divided by 12 to produce average monthly expenses for the Cash Reserve Ratio. Form 990 Part IX, Line 25 Column A (Total functional expenses)

Total Annual Revenue Form 990 Part VIII, Line 12 (Total revenue)

Government Grants / Contracts Form 990 Part VIII, Lines 1c + 2

Foundation / Private Grants Form 990 Part VIII, Line 1b

Program Service Revenue Form 990 Part VIII, Line 2 (earned revenue)

Individual Contributions Form 990 Part VIII, Line 1a (individual donors)

⚙️ Funder Risk Profile Configuration

In Grant Guardian, each foundation configures its own risk profile — choosing which indicators to use, what thresholds trigger review, and how heavily to weight each factor. Select a preset below or customize the thresholds and weights directly.

🏦 Established Orgs Large, stable organizations with predictable revenue. Higher liquidity expectations.

🌱 Emerging / Early-Stage Newer or growing organizations. Lower thresholds to avoid penalizing healthy risk.

🏘️ Community-Based Membership-funded or grassroots orgs with unconventional revenue models.

Current Ratio Threshold ?PJMF example: 1.0 for large established orgs; 0.5 for early-stage orgs. Below this threshold, the ratio is flagged for program officer review. Flag when Current Ratio falls below this

Cash Reserve Min (months) ?How many months of liquid, unrestricted operating expenses the org should hold. Industry standard: 3 months. Below 1 month is generally considered critical. Flag when reserve falls below this many months

Max Restriction Ratio (%) ?Maximum acceptable proportion of donor-restricted net assets to total net assets. Higher restriction means less operational flexibility. Flag when donor-restricted % exceeds this

Current Ratio Weight (%)

Cash Reserve Weight (%)

Restriction Ratio Weight (%)

⚠️ Weights must total 100%. Currently: %

🔍 Human-in-the-Loop: Review & Verify Extracted Values

In Grant Guardian, Claude AI extracts each value and identifies exactly which document and page number it came from. Program officers review and can accept or override any extracted value before the analysis runs. This is how the tool keeps humans in the loop at every step.
Below are the values you entered. Edit any field to simulate the override functionality, then run the analysis.

Data Field	Value (AI-Extracted / User Entered)	Document Source & Page Reference	Used In Ratio	Status

✏️ In Grant Guardian, users can hover over any ratio to see how it was calculated. All extracted values link back to the source document and page number. Program officers may override any AI-extracted value before finalizing the analysis.

⚠️ Weights must total 100%. Go back to Step 4 to fix.

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📅 FY: — 📄 — 🏷️ — 💱 — 🕐 Generated: —

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/ 100

Composite Financial Health Score (weighted across 3 indicators)

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Program Officer Note: Per PJMF's design philosophy, "We're not trying to spit out a single composite score that says yes or no. We're trying to standardize the process of identifying areas where you need to clarify or have deeper conversations with the nonprofit." — Nick Cain, VP of Strategy & Innovation, PJMF. The score below is a conversation-starting input, not a funding recommendation.

① Current Ratio

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Current Assets ÷ Current Liabilities
Source: Statement of Financial Position

② Cash Reserve Ratio

— mo

(Unrestr. Cash + Liquid Investments) ÷ Avg. Monthly Expenses
Source: Statement of Financial Position + Statement of Activities

③ Donor-Restricted Net Assets

—%

Donor-Restricted Net Assets ÷ (Total Assets − Total Liabilities)
Source: Statement of Financial Position

🤖 AI-Generated Financial Narrative Summary

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🚩 Items for Program Officer Review

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📋 Extracted Data Log (with Document Source References)

Data Field	Value	Document Reference & Page	Used In	Verified By

In Grant Guardian, each extracted value links to the exact page of the submitted document. Program officers can accept, edit, or flag any value. This audit trail supports compliance and accountability.

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