Free Tools
Two tools. Totally free.
Actually useful.
No fluff, no paywalls. Just download, open in Excel, and start seeing your numbers clearly.
Clarity Ledger™
Income vs. expenses — finally in one place.
At its core, Clarity Ledger is a monthly income and expense tracker — but one that actually does something with the data. Log what came in, log what went out, and the dashboard automatically calculates the things you've been guessing at: how much profit you made, what your margins look like, how long your cash would last if revenue stopped, and what's actually safe to pay yourself.
No accounting background needed. It explains your numbers in plain English every month.
- Track income and expenses by month — one row per transaction
- See your profit margin vs. your personal target
- Cash runway: how many months you can operate at zero revenue
- Safe owner pay — after reserves and buffer are protected
- Tax reserve auto-calculated so it's never a surprise
- Recurring commitments tracker with 30-day renewal alerts
Loan-Ready OS™
Know your numbers before the bank does.
Most loan denials aren't credit problems — they're preparation problems. This workbook walks you through building the exact package SBA lenders and bank underwriters expect to see: 3-year P&L, cash flow projections, debt coverage ratio, and a guided loan narrative.
Know where you stand before you walk in — not after you get a letter.
- P&L builder in lender-ready format (3 years)
- 12-month forward cash flow projections
- DSCR calculator — SBA requires ≥ 1.25x
- 12-point Loan Readiness Score with exact fixes
- Document checklist by loan type (SBA 7(a), conventional)
- Guided narrative builder for your loan purpose statement
