For owners
Your CPA builds a binder once a year.
Operator keeps it queryable every day.
When your surety agent needs working capital, they pull it directly. No call to the CPA. No wait. No binder.
No monthly fee. Operator charges only when a transaction closes. Connecting your records is free.
Before Operator. After Operator.
Built for the transactions that matter
Bonding
Our first bonding pilot is a commercial HVAC contractor in Kapolei, HI. They used to assemble a renewal binder every year. After Operator, the surety agent queries live. The renewal process is faster. They pay only on the additional bonding capacity unlocked.
Lending
Lenders evaluate DSCR and cash flow coverage. Operator surfaces these live so credit decisions happen on current data. You pay only when the loan funds.
Succession
Buyers want clean financials before making an offer. Operator gives them a verified picture without a document request. You pay a percentage of the transaction value at closing.
How it works
Connect your financial sources
Link QuickBooks, bank feeds, or tax returns. Operator ingests each document, verifies its source hash, and builds your provenance-backed record. Takes minutes, not days.
Your records stay current automatically
Every time a new statement arrives, Operator ingests and verifies it. Working capital, DSCR, net worth, and WIP are recomputed from the latest source data. No stale numbers.
Issue a scoped token when you need it
When your surety agent, lender, or buyer needs to verify financials, issue a counterparty token. They query directly via API or portal. No binder. No spreadsheet. No back-and-forth.
Get your business counterparty-ready
Tell us what you're working toward. We'll respond within one business day.