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Prototype · FinancingSolutionsAI.com

Multi-channel capital matcher.

Enter a company's trading position and how much capital it needs. The prototype sizes borrowing capacity across five funding channels, ranks them against the balance sheet, and structures a blended capital stack with indicative pricing, dilution and monthly service cost.

A working prototype for demonstration. It models standard leverage and advance-rate conventions on the figures you supply — it does not quote real lenders or constitute financial advice.

Company position

EBITDA $1,176,000 · net debt $350,000 · leverage 0.30x

Channel capacity

ChannelCapacityPricingTermDilution
Senior bank debt — Covenant-friendly at this margin; cheapest capital available.$2,590,0007.6%5 years, amortisingNone
Revenue-based financing — Strong recurring base — repayments flex with collections.$1,848,00011.8% effective12–24 months, revenue shareNone
Private credit / unitranche — Takes leverage a bank will not, in exchange for pricing and a tighter reporting pack.$4,354,00010.8%4–6 years, bulletWarrants 0.5–2%
Asset-backed line — Secured against the asset base; fastest path to working capital.$1,365,0008.3%Revolving, 65% LTVNone
Growth equity — Growth rate supports a venture or growth round if you accept dilution.$4,000,000No couponPermanent16% est.
Recommended structure for $4,000,000

$2,590,000 — Senior bank debt at 7.6%

$1,410,000 — Revenue-based financing at 11.8% effective

Indicative monthly service across the stack: $113,602 over 48 months.

This is the product concept behind FinancingSolutionsAI.com.

Acquire the asset, build your own version on Lovable, or commission the studio to deliver it in production with live lender data, credit policy and underwriting controls.

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