Your financial file. Your targets. Your next move.
More than a report: a workspace to understand your numbers, monitor banking health and follow a plan with measurable goals. Evidence-backed software with a team working alongside you.
Looking for the new roadmap and diagnostic? Explore the Capital Readiness site →
Deposits vs withdrawals
Trailing six months, the window lenders readMoney moves, but almost none of it stays. Last month brought in $1,151,000 and sent out $1,109,000. Lenders price on what the volume leaves behind, which is why this file reads 1.02x today and 1.19x once the debt schedule is put right.
Interactive demonstration using sample data—not client data or a credit decision.
Progress needs a baseline and a target.
The platform brings your metrics, priorities and follow-through into one shared file. The plan does not end when the report is delivered.
Monthly strategic reviews
Review what changed with your team: balances, margins, debt and documents. Sessions and the next step stay connected to your file.
Measurable goals, not vague advice
Each action records a baseline, target, owner, due date, dependencies and completion evidence. See what is outstanding and what improved.
A human-reviewed plan
AI helps organize and explain. QC reviews source facts and potential adjustments; credit decisions remain with the lender.
Your coverage, obligation by obligation.
See the earnings and payments that build DSCR. In this demonstration, switch a row on or off to understand how classification changes the result.
The file as the system first drafted it. One of these obligations does not belong here.
What it earns
- Reported EBITDA
- $632,000
- + Owner vehicle lease, personal useGL detail
- $18,000
- + One-time legal settlementSettlement agreement
- $31,000
- + Owner health premium above marketPayroll register
- $14,000
- Adjusted
- $695,000
- × 0.96 lender haircut
- −$27,800
- Bankable EBITDA
- $667,200
What it owes
- $14,800Dealership buildingCRE noteReal estate$14,800/mo observed · From contract
- $18,375Forward FinancingadvanceLoan$18,375/mo observed ($875 daily) · $17,900/mo stated · From contract
Remits daily, and the statements show more than the contract states.
- $10,392Everest Business FundingadvanceLoan$10,392/mo observed ($2,400 weekly) · $10,100/mo stated · From contract
Second position, stacked on the first.
- $3,150Equipment notelift and alignment rackLoan$3,150/mo observed · From contract
- $7,720State of CT DRSBusDirPayTax$7,720/mo observed · Drafted from statements
Recurring and debt-shaped, so it was drafted in automatically. A tax remittance belongs with operating expenses. Take it out.
- $7,677American Expresspaid in full monthlyCredit card$7,677/mo observed · Drafted from statements
Paid off every month, so the balance is operating spend rather than debt service. Excluded unless a carried balance is confirmed.
Sample file, illustrative figures. Observed amounts win over stated ones because the statements are the primary source. The 1.25× floor shown is this sample desk’s conventional-program setting, not a credit policy or an indication of what any lender will require.
A scenario does not remove actual debt. File corrections require evidence and review; the illustrated threshold is not a universal approval rule.
Numbers you can understand and track.
Each finding connects to a source and an action. Financial metrics and targets stay visible as new evidence arrives.
Revenue and margins
Revenue, gross profit and net income from compatible periods. See the calculation, trend and source without turning missing values into zero.
EBITDA and adjustments
Separate reported results from evidenced adjustments. Candidates are not treated as QC-verified or lender-accepted add-backs.
Debt coverage
See earnings and every obligation that builds DSCR. Compare today's position with the target applicable to your file.
Average daily balance
Monitor cash held throughout the period, deposits and their trends—not just the balance on statement day.
Liquidity and alerts
Identify low balances, overdrafts, NSFs and insufficient reserves. Turn findings into measurable actions.
Program readiness
Compare reviewed facts with published requirements and see verified gaps. A readiness indicator is not a loan approval.
Start with what you already have.
Documents, an optional bank connection and a file with traceable sources. No retyping your numbers into a template.
Upload your documents
Send bank statements, tax returns, P&Ls and debt schedules. Extraction identifies source facts and flags what needs review.
Optionally connect your bank
The evidence connection is read-only and requires consent. It does not authorize debits or transfers; manual document upload remains available.
Track the file and your goals
New evidence updates the relevant metrics. Review coverage, confidence and review status alongside progress on your action plan.
Whatever you already have
No templates, no spreadsheets to fill in, no re-keying. Or connect the bank and skip the sending entirely.
- Bank statements (PDF)
- Tax returns
- P&L / balance sheet
- Debt schedule
- CSV / XLSX exports
- A ZIP of all of it
Every month, every line
The same documents an underwriter would read, parsed and classified for you instead of summarised by hand.
- Deposits
- Withdrawals
- Ending balance
- Average ledger balance
- Low daily balance
- Returned items / NSF
- Every transaction, categorised
- Recurring lenders identified
The file as a desk sees it
Recomputed the moment anything new lands, with every figure traceable to the rows that produced it.
- EBITDA, from reported through to bankable
- DSCR, itemised line by line
- Average daily balance vs target
- Liquidity against your floors
- Banking Foundation Score
- Capital-path readiness
What changes if I refinance this debt?
Explore the illustrative effect on payments, coverage and liquidity before discussing a structure with your team. A simulation is not an offer and does not guarantee savings.
Today this file carries $46,717/mo of debt service against $667,200 of bankable earnings, a coverage ratio of 1.19x, under the 1.25× floor.
Sample file, illustrative figures. Running a scenario saves nothing: the real workbench models it read-only and leaves your file untouched. Structuring, pricing and payoff amounts are subject to underwriting, documentation and lender approval, and nothing here is an offer or a commitment to lend.
Every figure keeps its source
Periods, documents and review decisions travel with the results. Changes produce new versions; they do not rewrite history or filed tax results.
A strategy you can explain
We do not recommend temporary money movements to dress up liquidity. Legitimate adjustments need support; owner distributions are not automatic add-backs.
Software and follow-through in one service.
Review your file with the team and confirm scope, terms and billing before subscribing.
Starting at
Annual plans range from $4,999 to $25,000, based on business size and file complexity. Your scope and price are confirmed after a walkthrough.
Starting plan: save $1,249.76 (20%) against $6,248.76 billed monthly. That works out to $416.58 a month, billed once a year.
One business file. No self-serve signup: we review your file together and agree on the scope and quote before you authorize any charge.
A baseline plan, tailored to your file.
The starting plan includes the core tools and support below. Larger or more complex files receive a tailored quote, with the scope confirmed upfront.
- Your own account manager, and a working underwriter on the file
- One or two working sessions a month, scheduled with join links in the app
- A ranked plan of action with owners, target dates and the metric each step moves
- The full cockpit: score, EBITDA ladder, coverage, average daily balance, liquidity
- Unlimited document intake. Statements, returns, P&L, debt schedules, CSVs, ZIPs
- Read-only bank connection, statements refreshed every 30 days
- DSCR composition, with every obligation itemised and countable line by line
- Refinance workbench, so you can price retiring a lender before you commit
- Readiness across seven capital paths, plus the banking ladder
- Print-ready lender package whenever you need to hand the file to someone
Third-party costs (credit pulls, for example) are passed through at cost where they apply, and always with your authorisation first.
Understand what you are monitoring.
How a lender reads the business, how DSCR works and why average daily balance matters.
- Banking Readiness
Banking Readiness: How Lenders Actually Read Your Business
A credit desk decides most files in the first twenty minutes, using four numbers. Here is what those numbers are, how they are built, and how to fix them before you apply.
- Banking Readiness
Debt Service Coverage, Explained for Operators
Coverage decides how much you can borrow, not just whether you can. How the ratio is built, which obligations count, and why the denominator is the faster lever.
- Banking Readiness
Average Daily Balance: What It Measures and How to Raise It Legitimately
The single number an underwriter trusts most in your bank statements, why the month-end snapshot does not fool anyone, and the four levers that actually move it.
Before the walkthrough.
Is Capital OS a loan?
No. It is software and a service for your financial file. It helps organize evidence, monitor metrics and work toward goals. Any financing requires underwriting and a lender decision.
What do the working sessions cover?
What changed since the last review, the highest-priority blockers and the next action: a missing document, an obligation to reconcile or a liquidity target. Each step has an owner and a due date.
Can the bank connection move money?
The connection used for evidence and monitoring is read-only. It is not an ACH authorization; payments are a separate process with specific consent.
Does AI verify its own results?
No. Calculations use defined formulas and initial results remain provisional. QC reviews the sources; adjustments require evidence and each lender decides what it accepts.
Where is the Capital Readiness diagnostic?
It has a separate site at /capital-readiness. Explore the five phases and an educational diagnostic there. This page demonstrates Capital OS monitoring and goal-setting software.
See the file. Understand the next step.
See how the software connects your numbers, goals and team reviews. If you are looking for the Capital Readiness roadmap, it has its own dedicated space.
All demonstration figures are illustrative. Capital OS does not guarantee financing, pricing, terms or approval. Requirements and outcomes depend on the program, documentation and lender review.