AnalyzeCash flow & behavior

What the business earns. How the owner handles it.

Know what the business can really carry and how its owner behaves, from bank statements.

Cash flow

What the business really brings in.

True revenueTransfers, funding, owner injections and refunds come out of deposits. What's left is true revenue.

Revenue sourcesWho pays the business, and how concentrated it is.

Deposit consistencyHow steady revenue is month to month, and which way it's heading.

Debt and capacity

Positions and stackingEvery funder's debits tied to its funding by pattern, declared or not, across every account and entity.

CapacityWhat the account can carry after everything it already owes, against your holdback ceiling. The offer is sized to fit the room left.

Account activity

Daily balancesNinety days of balances, with every dip below zero marked.

NSFs and overdraftsEvery NSF and negative day, counted against your limits.

Behavioral signals

Owner behaviorHabits too subtle to catch by eye, each flagged with the transactions behind it.

Revenue paddingMoney that looks like revenue but isn't: injections, transfers from affiliates and refunds.

Operating patternsPayroll, rent and utilities on schedule confirm it's the real operating account.

Where it fits

Send us three recent files. We'll show you what cash flow & behavior finds in each.

Priced per capability. Use one, or the whole file.