Wave Capital · Pre-Decision Financial Intelligence
See Your
Business
How Lenders
See It
Before you borrow. Before you expand. Before you make the call.
ReadyCap+ gives SMB operators the institutional-grade financial intelligence that large
companies pay CFO teams to produce.
The Problem
The modern SMB stack records activity.
It does not deliver decisions.
Large companies have CFO teams and institutional financial modeling. Small businesses are left with bank balances and reactive advice — after the decision has already been made.
| Tool | Records History | Decision Intelligence |
|---|---|---|
| Bookkeeping (QuickBooks) | Yes | None |
| Annual tax return | Yes | None |
| Bank balance | Yes | None |
| Health scoring tools (Nav) | Partial | Shallow |
| FP&A platforms (Mosaic, etc.) | Yes | CFO-level only |
| ReadyCap+ | Yes | Full model |
What It Delivers
Five outputs. One clear picture.
ReadyCap+ transforms bank statements, bookkeeping exports, and tax returns into lender-grade intelligence. Not dashboards — answers.
01
Lender Readiness Score
The lender's view of your business — debt service coverage, position load, asset
coverage — before you walk into the room. Know if you're ready, and exactly what to fix if you're not.
New Category
02
Financial Health Score
A single 0–100 score with five sub-components benchmarked against RMA industry data
for your exact revenue tier and NAICS category. In owner language, not banker language.
03
3-Statement Financial Model
Income statement, balance sheet, and cash flow built from classified transactions
and tax return data. The same model a Fortune 500 CFO produces — automated for a $2M business.
04
Capital Deployment Intelligence
Idle cash identified, quantified, and matched to specific deployment strategies with
projected returns. From "money sitting there" to "here's exactly what to do with it."
05
12-Month Decision Forecast
Three scenarios — conservative, base, optimistic — specific to this business, this
industry, this revenue tier. Built to answer one question: can I afford this decision?
Why Now
Three converging conditions.
The product has always been needed. Now it's possible.
The Data Already Exists
Every SMB already generates the inputs required for institutional financial analysis — bank statements, tax returns, and bookkeeping exports. No new systems or integrations required.
AI Collapsed the Cost Structure
Financial modeling that once required junior analysts at $150K+ can now be automated at scale. The economics that kept this product out of the SMB market no longer exist.
SMB Financial Anxiety Is Rising
Higher rates, tighter lending standards, and cash advance proliferation have made capital decisions materially more consequential. Willingness-to-pay spikes at exactly the moments ReadyCap+ serves.
Custom Sample Report
See your numbers in the report.
Upload a Tally CSV export from your intake form and a personalized benchmark report will be generated instantly from your submission data.
ReadyCap+ · Benchmark Report Generator
Generate a Sample Report
Upload your CSV export from Tally, or paste a single row below. Your report will auto-populate with the respondent's answers.
Click to upload or drag & drop your CSV
Accepts .csv files from Tally form exports
or paste manually
Expected columns: Submission Date · Industry · Annual Revenue · Time in Business · Biggest Challenge
01
Financial Health Score
0–100 score benchmarked against RMA data for your industry and revenue tier
02
Industry Benchmarks
Your key metrics compared against industry norms with on-track / monitor / risk
flags
03
Key Signals
What capital decision-makers will look at first when they evaluate your business
04
12-Month Forecast
Conservative, base, and optimistic revenue scenarios for your sector and stage
Know Before You Go
Know exactly how lenders see your business.
Before you borrow. Before you expand. Before you make the decision.
Not financial advice. For informational purposes only. · Wave Capital · ReadyCap+
ReadyCap+ · Industry Benchmark Report
Your Business
Benchmark
Confidential · For recipient only
—
Primary challenge
—
Financial Health Score
—
Benchmarked against RMA industry data for your sector and revenue tier
Decision-Maker Readiness
—
How capital allocators and decision-makers are likely to evaluate your business today
Growth Trajectory
—
YoY growth potential based on your industry, revenue stage, and time in business
Industry benchmark comparison
Key signals for your profile
12-month outlook · Three scenarios
Conservative
—
Flat market conditions, no new capital deployed, current trajectory sustained.
Base Case
—
Moderate reinvestment, one capital event, performance in line with industry median.
Optimistic
—
Strategic capital deployment, above-median execution, 5%+ growth trajectory achieved.
This is your benchmark.
Your personalized report goes deeper.
ReadyCap+ builds a full 3-statement financial model, debt service coverage ratio analysis, and capital deployment plan from your actual numbers — not industry averages.