FinTech for SMBs

We make companies bankable.

Messy books? Non-standard categories? Mixed personal and business?We auto-reclassify to US GAAP and generate bank-ready financials that lenders actually understand.

Your messy books
AMZN*123ABC???
SQ *COFFEE SHOPFood?
PAYPAL *FREELANCRIncome?
UBER TRIPTravel?
GAAP-compliant
6200 Office SuppliesIRS
6310 M&E (50%)IRS
4100 Service Revenue
6400 TravelIRS

From messy to bank-ready in 3 steps

Connect your data, let our AI reclassify, and export bank-ready packages.

1

Connect

OAuth to QuickBooks, Xero, or upload CSV. Connect banks via Plaid.

2

Auto-Reclassify

Our rules + ML engine maps to GAAP, flags IRS issues, routes exceptions for review.

3

Export

1-click exports: GAAP statements, IRS pack, and Banking Package with DSCR & covenants.

Built for bankability

Not just bookkeeping. Continuous US GAAP + IRS alignment that banks and investors understand.

US GAAP Auto-Reclassifier

Hybrid rules + ML engine that auto-maps transactions to GAAP categories.

IRS-Aware Rules

Section 179, M&E limits, de minimis safe harbor, with complete audit trail.

Banking Package

DSCR, covenants, KPIs, and ratios that lenders can evaluate immediately.

Real-time Pipeline

Continuous classification, not just periodic clean-ups before funding events.

Bank-ready outputs

Everything lenders need to evaluate your business—standardized and ready to submit.

GAAP Financials

  • Balance Sheet
  • P&L Statement
  • Cash Flow
  • Key Schedules

Banking Package

  • DSCR Calculation
  • Covenant Checks
  • Leverage Ratios
  • Trend Charts

IRS Pack

  • Deduction Limits
  • Method Flags
  • Audit Trail
  • Compliance Notes

Export formats:

PDFXLSXCSVLender Portal

24 mo

Backfill coverage

SOC 2

Ready controls

Higher approval rates

100%

Audit trail

Ready to become bankable?

Join SMBs who stopped getting rejected and started getting funded. 24-month backfill included.

GAAP FinanceGAAP Finance

We make companies bankable. AI-driven platform that standardizes books to US GAAP and speaks the language of banks and investors.

“We make companies bankable.”

For

  • Solo Operators (0-5 FTE)
  • Growing SMBs (6-50 FTE)
  • Ops-Heavy Businesses
  • CPA Firms & Lenders

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