Platform & Transparency
How the platform works — and what it's doing.
We think you should know what you're getting into before handing over your financials. Here's the real picture: what we've built, what we're measuring, and how we make money.
Our platform (updated every 10 min)
59
Documents AI-analyzed
Tax returns, P&Ls, balance sheets, PFS.
13
Businesses pre-qualified
Unique owners with at least one application.
17
Active applications
Currently in submitted, review, or approved status.
5
Prescreen reports generated
Full DSCR + global cash flow analysis delivered.
What our analysis actually covers
EBITDA & add-backs
Net income + interest + depreciation + amortization from business tax returns (1120/1120S/1065). Plus SBA-allowable owner comp add-backs — a step many borrowers miss that materially increases borrowing power.
DSCR (Debt Service Coverage Ratio)
Annual EBITDA ÷ annual debt service at the SBA 7(a) rate. SBA requires ≥1.15×. We show your DSCR at the requested loan amount plus the maximum loan supported by your cash flow.
Global cash flow
Business EBITDA combined with personal income (1040, Schedule E, K-1s) and existing debt service from your PFS and credit report — the full lender-facing picture.
Cross-document validation
Revenue trends, officer comp vs. personal wages, business losses vs. personal AGI — the exact anomalies SBA underwriters flag. You see them before the lender does.
SBA 7(a) — the lay of the land
$5M
Max loan amount
SBA 7(a) program ceiling.
1.15×
Min DSCR required
Typical SBA 7(a) minimum.
30–60 days
Typical time to fund
From full application to disbursement.
50–85%
SBA guarantee
Portion the SBA guarantees to the lender.
Source: U.S. Small Business Administration 7(a) Loan Program.
How we get paid
Pre-qualification is 100% free to you. We never charge application, consultation, or subscription fees.
If you choose to move forward with a lender we introduced, that lender pays us a referral fee at closing. It's the same model referral brokers have used for decades — we just productize the pre-screen so you aren't flying blind into the lender conversation.
Security & data handling
AES-256-GCM document encryption
Every file you upload is encrypted with a per-file initialization vector before it touches storage. The same standard used by major financial institutions.
Row-level security (RLS)
All production database tables have RLS enabled. Your data is cryptographically isolated at the database layer — not just application-logic-gated.
Audit trail
Every document access, analysis run, and admin action is logged against the authenticated user, IP, and user-agent. Logs retained per SOC 2 CC7.2.
Your data, your call
Export your full data at any time as JSON. Request deletion (subject to federal 7-year retention for loan records). Go to data rights →
See your own numbers
Upload your financials, get the same DSCR + global cash flow analysis a lender runs. Free, no credit check.
Get Pre-Qualified in 2 MinutesLive metrics refreshed at Apr 25, 2026, 3:11 PM.