Stop Guessing. Start Getting Funded.
Approvals go to the businesses whose numbers already answer the questions a credit desk is going to ask. Capital OS shows you exactly where your financials stand against what lenders require, and puts an account manager and a working underwriter on the file with you until the gaps are closed.
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.
You will need capital more than once.
Across the files this desk sees, a growing business needs three serious financings inside five years. Equipment, a building, a payroll gap, an opportunity that will not wait.
The businesses that arrive prepared get a term sheet. The ones that arrive with six months of messy statements and an unexplained coverage ratio take a decline, and then take money at advance pricing because it is the only thing on the table.
That second outcome is expensive twice. The advance costs a multiple of what a term loan would have, and the daily remittances suppress the very coverage ratio that would have qualified them for the next round. It is a preparation problem, and preparation is what the subscription buys.
Already carrying advances? See what refinancing them looks like.
That pattern reflects this desk’s own book rather than published research, and your business may look nothing like it.
Software finds the problem. People fix it with you.
Every subscription comes with an account manager and a working underwriter. They read your file, set the targets it needs to hit, and hand you a ranked list of what to do next in the order that moves your numbers fastest.
One or two sessions a month
Booked in the app with a join link, so nothing lives in your inbox. We go through what moved since last time, what the statements now show, and which item on the plan is next.
A ranked plan, not a report
Each action names an owner, a target date, and the metric it moves. You can accept it, or decline it with a reason and we will find another route. Your answers change the model, so the forecast tracks what you actually agreed to do.
Targets set to your file
The thresholds are calculated from your own trailing numbers and your stated funding goal, and each one carries a written reason. Your underwriter can override any of them, and that override is permanent.
A person reviews everything before it reaches you. The system drafts, your underwriter edits and approves, and only then is the plan published to your file.
Your coverage ratio, with the lid off.
Coverage decides most credit decisions, and owners are almost never shown how theirs was built. Here is the whole calculation: earnings on one side, every obligation on the other. Switch a row off and watch the ratio move.
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.
Try the state tax line. It is recurring and debt-shaped, so it was drafted into the schedule automatically, but a tax remittance belongs with operating expenses. A file can sit under a lender’s floor for months because of one row like that, and nobody goes looking for it inside a PDF.
The chain a lender actually walks.
The specific figures, in the order they get read, each with the gap between where you are and where the programme needs you to be.
Earnings, three ways
Reported EBITDA, then adjusted with add-backs that carry evidence, then bankable after the haircut a lender applies. Most owners quote the first number and get underwritten on the third.
Coverage
Earnings against every real obligation, itemised. Observed remittances win over what a contract states, because a daily-remittance advance rarely costs what the paperwork says.
Average daily balance
What you actually held, day by day, rather than the balance that happened to be there on statement day. Banks weight it heavily and owners track it least.
Liquidity floors
Operating, banking, debt reserve and strategic, measured against what you hold, so a shortfall arrives as a number you can act on.
Returned items
NSFs and overdrafts counted the way an underwriter counts them, because a single cluster can end a file that is otherwise strong.
Score, ladder and paths
One Banking Foundation Score, your rung on the credit ladder, and readiness across seven capital paths with the requirement each one is still missing.
Send what you already have. That is the whole setup.
No templates, no data entry, no month of onboarding before anything is useful.
Upload your documents
PDFs, CSVs, spreadsheets, photos of statements, or a ZIP with all of it inside. Drag it in and the system reads and classifies it for you.
Or connect your bank
A read-only, statements-only connection through Plaid. Your statements then refresh themselves every 30 days, so the file stays current without you remembering to send anything.
The file builds itself
Everything recomputes the moment new documents land, and every figure stays traceable back to the exact rows that produced it.
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
Better options, at better pricing.
The point of a clean file is the menu it opens. Your file is graded automatically against seven capital paths, and every gap comes back named, with your number beside the required one.
Graded automatically
- SBA 7(a)
- Conventional term loan
- Business line of credit
- Equipment financing
- Working capital
- Commercial real estate
- Floorplan line
Each one returns a readiness percentage and the requirements still outstanding, written out plainly. Something like “coverage 1.12x against a 1.25x minimum”, so you know what to fix rather than guessing at it.
And what we can route you to
Once the file supports it, your account manager takes it to the programmes that fit. Structured, priced financing rather than whatever will say yes fastest.
- EZ Term LoanFixed payment, 3 to 5 years
- MicroCap working capital10 years, no collateral
- Lines of creditRevolving, draw as needed
- Equipment financingAgainst the asset itself
- SBA 7(a)Expansion and owner-occupied property
- SBA 504Long fixed rates on major assets
- SBA GrocerySector programme
- SBA Made in AmericaDomestic manufacturing
- Jumbo term loansLarger structures
- Hybrid term and lineBoth in one facility
- Transportation financeFleet and vehicles
- MCA refinanceIf advances are already in place
Readiness thresholds are this desk’s working parameters and vary by lender and by file. Availability, pricing and terms are subject to underwriting, documentation and lender approval, and nothing here is an offer or a commitment to lend.
“What if I paid this one off?”
The question every owner with an advance asks, and a genuinely hard one to answer in your head, because retiring an advance moves three numbers at once in different directions.
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.
Built to be argued with.
A number you cannot interrogate is a number you cannot act on, and certainly not one you can defend to a credit officer.
Every figure traces to its source rows
Each metric records which statements, months and add-backs produced it. When a lender asks where a number came from, you open it instead of reconstructing it.
It will not help you dress up a statement
No timing money around statement dates, no temporary transfers, no tax figures massaged toward bank activity. The platform is built to refuse it, so anything it recommends is something you could explain to a lender with a straight face.
One price, one business, everything in it.
Less than a month of the wrong advance, and considerably less than another year of not knowing.
Save $3,801 (49%) against $7,800 billed monthly. That works out to $333 a month, billed once a year.
One business file. There is no self-serve signup on purpose: we open the file with you on the call, so nothing is charged before you have seen your own numbers in it.
Everything is in the one price.
No per-document fees, no per-seat pricing, and no module that turns out to cost extra.
- 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.
The same reading, written out.
Everything the platform measures, explained in plain language, free, and worth reading before you talk to anyone about money.
- 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 you book.
Is this a loan?
No. Capital OS is a subscription to your own financial file. It measures your business the way a lender will read it, and your account manager and underwriter work with you to close the gaps. When the file is ready you can take it to any lender you like, including us.
What do the monthly meetings actually cover?
Your numbers since the last session, what moved, and what comes next. The plan is ranked, so each meeting works the item at the top: the add-back that needs a document behind it, the obligation that is misclassified, the balance that needs to hold higher before you apply. Sessions are booked in the app with a join link, and typically run once or twice a month.
Do I have to switch banks or move money?
No. Nothing about your banking changes. The platform reads your statements, and it will never suggest moving money around to make a statement look better than the business is.
Is the bank connection safe?
It is read-only and covers statements only. The connection can retrieve your bank statements and nothing besides. It cannot move money, cannot initiate a payment, and never sees your banking credentials. You can also skip it and send statements yourself.
My bookkeeping is a mess. Is that a problem?
It is the normal starting condition, and reading it is our job rather than yours. Send what exists: statements, returns, whatever your accountant produced, in whatever format. Where something is ambiguous the system drafts an answer and flags it, your underwriter reviews it, and your correction sticks permanently.
How long before I see anything useful?
The file is built from your trailing six months, which is the window a lender reads. Once those statements are in, the score, the coverage math and the ranked plan are all there. The walkthrough call is where we open the file with you and go through it together.
What happens on the walkthrough call?
We look at your actual numbers rather than a demo. You will see where your coverage sits, what is dragging it, and what a realistic path to approval looks like. Terms, billing and cancellation are agreed there before anything is signed, which is why there is no self-serve checkout.
See your own file, then decide.
Bring six months of statements to the call. We will open the file with you, show you where your coverage actually sits, and you can judge from there whether the rest is worth paying for.
Every figure shown on this page comes from a sample file and is illustrative. Capital OS measures your business and plans against it. It does not lend, it is not a loan application, and it is not a guarantee of funding, terms or approval by anyone. Coverage floors and programme requirements shown are this desk’s working parameters and vary by lender and by file. Third-party costs, where they apply, are passed through at cost with your authorisation.