The lender and investor model.
In an hour.

Vextor® produces a multi-year working financial model — the same output a corporate finance advisor would charge thousands and several weeks to build. It includes a three-year forward model and an AI-generated lender and investor narrative. All produced automatically from your live Xero data. Not a report of last month. The model a lender, investor or buyer is already running on you.

Most reporting tools show you what happened last month. Vextor® shows the next three years — and keeps that model live as your business performs. Reporting tools are built for looking back. Vextor® is built for what comes next: the lending or investment conversation, the sale, the raise. And unlike a one-time model, it updates automatically every month as your trading data changes. The longer you are on Vextor®, the stronger your lender and investor story.

Every month, you can bring your latest trading data in from Xero to update the model. After six months, it reflects six months of actual performance against your projections. After two years, you have a two-year validated narrative. When you go to a lender, investor or buyer, you're not handing them a document someone built last spring — you're handing them a model that has tracked your business in real time. No one else does this.

No — and that's exactly the point. The founders and owner-managers who get the most from Vextor® start before they need it. The model compounds over time. If you start now and go to lenders or investors in 18 months, you'll have 18 months of real performance built into your story. If you start the week before a conversation, you have a model with no track record behind it.

Most founder models are built once and go stale within 90 days. Vextor® replaces the manual update cycle — your model stays current automatically as your trading data changes. If your existing model was built by an advisor, Vextor® can replace the ongoing maintenance cost while keeping the output at the same institutional standard. If your accounting is handled by a Xero-connected accountancy firm, they can review and validate the Vextor® output alongside you as part of preparing for a lending or investment conversation — giving you an adviser-backed model without the bespoke build cost.

Yes — and many accountants and M&A advisors use Vextor® themselves. Accountants use it to give clients a lender-and-investor-ready view without the manual model-build. M&A advisors use the white-label version to deliver sell-side work faster. Lenders and working-capital providers use it to get a lender-and-investor-ready cashflow and forecast view without building their own model. If your accountant is already connected to your Xero, Vextor® sits on top of that existing relationship — it doesn't replace it. If your Xero-connected accounting firm handles your books, they can use Vextor® directly alongside you to review and present the output to a lender or investor — the firm's familiarity with your numbers becomes part of the credibility of the model.

Yes. The lender and investor narrative is written in plain English by AI — you review a draft, you don't write from scratch. The model is presented in a format built for owner-managers first, investors second. If you can read a P&L, you can read a Vextor® output. Vextor® is free to get started — explore with no time limit, and upgrade to Vextor® Pro when you're ready to download. If your accountant is a Xero-connected firm, they can walk through the Vextor® output with you as part of preparing for a lending or investment conversation — you don't need to be the finance expert in the room, they can be.

Connect your Xero in under two minutes via OAuth. No download, no implementation, no consultant. Your first model is generated automatically once connected. Most users have a complete Vextor® output within the first session.

Vextor® connects to your accounting software via OAuth — the same secure authorisation standard used by your bank. We read your data to generate the model. We store account-level GL balances (monthly totals, not individual transactions), your chart of accounts mapping, and your forecast assumptions — never raw transaction or invoice detail, which stays in your accounting platform. What Vextor® holds is: your account and contact details, OAuth access tokens (revocable at any time from within your accounting software), your licence record, GL data and session data for the duration of your active subscription, and your generated Vextor® output — both handled in accordance with UK GDPR. You can revoke Vextor®'s access to your accounting software at any time from within your accounting system. We do not sell, share or use your data for any purpose other than generating your Vextor® output.

Simply disconnect your accounting system connection — either from within Vextor (Settings → Disconnect) or directly in your accounting system's own connected-apps settings. Once disconnected, your data is automatically and permanently deleted within 30 days. If you reconnect before the 30 days is up, the scheduled deletion is cancelled and your data is retained as normal.