I lend to or invest in businesses

Stop retyping their deckin your own spreadsheet.

A model you can take apart: month by month, reconciled, every assumption stated and every sector figure sourced.

Any trade
217 countries, each with its own tax and payroll rates
Month by month, up to five years

See what arrives See what a plan contains →

The problem

The numbers arrive as a story, not as a model.

A deck with a hockey stick and no cash flow behind it. If you are backing it yourself, that is your Sunday evening retyping it into a spreadsheet. If you run a fund, it is an analyst you could have pointed at a better deal. Or it is a pass you never looked at properly.

What arrives

A model you can take apart.

Profit and loss, cash flow and balance sheet, month by month across the whole projection. Each reconciled to the other, with the schedules behind every line. No figure appears without the assumption it rests on. Every sector figure carries its source, its year and the countries it was drawn from. The Basis of Preparation sets out each accounting treatment against its IFRS for SMEs section. You can pull at any line without asking anybody for the workings.

Basic financial reports

Statements

Schedules

Assumptions & Inputs

Summary & Story

Advanced analysis reports

Viability

Risk & Sensitivity

Funding & Valuation

Interrogation

Ask the question, then move the lever.

Revenue, cost of sales, payroll and start date move together or one at a time. The effect on ending cash, runway, break-even and debt cover is reported against the base case. Save one as a named scenario — up to ten per plan.

Monthly, not annual
The whole projection, month by month, not four year-end columns.
Nothing flattered
A loss-making or balance-sheet-insolvent plan is reported as such, on the face of it.
The founder's own words
Read the plan as prose to see what they believe, then as figures to see whether it holds.

The cost

Buy one, or buy licences for your pipeline.

€250 for a single plan. Bundles from €200 down to €100 each. Seven reports come with the plan. Health check, break-even, funding ask, risk, recurring revenue, what-if, and valuation and exit. Buy one plan and you get all seven.

See the full price list →

What investors say

People who look at plans for a living.

“I stopped retyping decks into Excel.”
Angel, Dublin
“Monthly, not four year-end columns. That is where the problems live.”
Seed fund partner
“It says when the plan is insolvent. A deck never does.”
Syndicate lead, Cork
“I still do my own diligence. This just means I start from a model instead of a story.”
Angel, Galway

What it does not do

It does not model share ownership, funding rounds or dilution — there is no cap table.
It does not export to a spreadsheet. You get a PDF, or you print it.
It does not verify history, bank statements or filings.
And it is a projection prepared to a stated basis, not audited accounts. Every page says so.

Questions

Questions investors ask.

What if the plans are no use to me?: Whoever paid gets the money back. Usually that is the founder. It is you, if you asked applicants to use the app and paid for it. The test is the app, not the business. If what it produced is not up to standard, say so and we refund it. A plan that is honest about a weak business is the app doing its job.
Do I need an account to read a plan?: No. A founder sends you a link and you read the whole thing in your browser. Commenting inside the plan is different — that one needs an account.
Does the founder know I have opened it?: Yes. Whoever owns the plan sees who has opened it and when, and that includes somebody reading through a link. It is worth knowing before you open one on a Sunday night.
How current are the figures you compare against?: Every figure carries the year it was published, on the page it is used. Official figures always run a year or two behind. So the plan tells you which year it stands on, instead of leaving you to guess.
On what basis are the projections prepared?: Accruals rather than cash, with all three statements tied to each other. Every treatment is set out against its IFRS for SMEs section — 23 for revenue, 20 for leases, 21 for provisions, 27 for impairment, 29 for income tax and 30 for foreign currency — with the reasoning recorded rather than assumed.
Monthly or annual?: Monthly, across the whole projection, with annual totals. Up to five years.
Where do the sector comparisons come from?: Official structural business statistics — OECD and Eurostat, UNIDO, the ILO and the World Bank. Each figure carries its source, its year and the countries it was drawn from. That sits on the page where it is used. 217 countries are covered.
Can I stress it?: Four levers — revenue, cost of sales, payroll, start date. Together or one at a time, reported against the base case, and saveable as named scenarios.
Is there a cap table?: No. Share ownership, rounds and dilution are not modelled. If that matters to you, this sits alongside your own model rather than replacing it.
Can I export to Excel?: No. The output is a PDF, or print. That is a real limit and we would rather you knew now.
Will a weak plan look strong?: No. A plan that loses money, runs out of cash or shows negative net worth is reported as such. It shows on the face of the report — a standing rule, not a setting.
Does this replace diligence?: No. It removes the reconstruction, not the diligence. It does not verify history, bank statements or filings.
Who owns the founder's plan?: The founder. It stays theirs whether you invest or not.
How is AI used, and is it disclosed?: The written summaries are drafted by AI from the figures, and we say so on the page — the EU AI Act asks us to. The sums are worked out by code, so they carry no such mark.