For counterparties
Query verified financials.
DSCR, WIP, owner-dependency. Live.
Surety agents, lenders, and M&A buyers query business financials directly via scoped token. Every figure traces to its source document. No stale binders. No back-and-forth.
Live pilot: a commercial HVAC contractor (Kapolei, HI) with bonding queries running live. Operator AI LLC, Honolulu.
Built for your deal type
Each counterparty type gets a scoped token with access to the metrics relevant to their transaction. Nothing beyond scope is visible.
Surety underwriters
Verify working capital, net worth, and WIP without a document binder. Owner-dependency and backlog queryable in real time. Our first bonding pilot - a commercial HVAC contractor in Kapolei, HI - renewed its bonding line faster after switching to live query.
- Working capital
- Net worth
- WIP schedule
- Owner dependency
- Backlog
Lenders
Pull DSCR, cash flow coverage, and collateral coverage on demand. No spreadsheet requests. No stale PDFs. Credit decisions run on current data, not last quarter's binder.
- DSCR
- Cash flow coverage
- Collateral coverage
- Loan fitness score
M&A buyers
Verify adjusted EBITDA, revenue quality, and customer retention before making an offer. Owner-dependency scored before you negotiate. Every figure traces to source.
- Adjusted EBITDA
- Revenue quality
- Customer retention
- Owner dependency
How it works
Owner connects financial sources
The business owner links accounting software, bank feeds, and tax records. Operator ingests each document and builds a provenance-backed record. Working capital, DSCR, and WIP are computed from verified source data.
Owner issues you a scoped token
When you need to verify financials, the owner issues a counterparty token scoped to your deal type: surety, lender, or buyer. Your token gives you query access to the metrics in scope. Nothing beyond that is visible.
You query. Every figure cites its source.
Pull DSCR, net worth, WIP, or owner-dependency via API or web portal. Each value shows the source document, ingestion date, and provenance hash. You can verify without requesting the underlying file.
Available metrics
Each metric is queryable individually. Scope determines which set you can access.
Working capital
Current assets minus current liabilities. Source-traced to balance sheet. Updated as new statements are ingested.
Net worth
Total assets minus liabilities. Provenance-chained from audited or reviewed statements. Timestamped.
DSCR
Debt service coverage ratio. EBITDA over total annual debt service. Computed live from verified income and loan data.
WIP schedule
Work-in-progress for contractors. Over/underbilled positions, contract values, and completion dates. Sourced from project records.
Owner dependency
Revenue and relationship concentration in the principal owner. Key-person risk signal for bonding and acquisition decisions.
Collateral coverage
Collateral value over total debt. Updated from verified appraisals, book values, or NOI cap-rate estimates.
Revenue quality
Recurring revenue as a fraction of total revenue. Identifies contract concentration and customer dependency.
Retention rate
Period-over-period revenue retention. Sourced from accounting records. Flags customer churn risk before a deal closes.
Request access
We'll confirm your counterparty type and issue credentials within one business day.