Built for SMB owners

Know what you owe.
Down to the last dollar —
and the last day.

MCAs, SBA loans, equipment financing, the line of credit your bank keeps re-pricing, and the 0 % APR cards you stacked across two years — in one place. With the one number nobody else shows you: how much of it is personally on your hook.

See your full exposure in 90 seconds. Already a Cashpian user — it's free with your subscription.

Plaid-securedRead-onlyReads statements, never moves money
Personal-guarantee exposureOn your hook

Across 4 of your 7 debts · Updated today

$312,400

follows you into bankruptcy.$174,600 not personally guaranteed.

PG · $312,400
Not PG · $174,600

Total debt

$487,000

7 instruments

Monthly service

$11,840

all-in

DSCR

1.42×

over 1.25 benchmark

0 % APR watchlist · 5 cards
2 expire < 90 d
Chase Ink Unlimited$8,40073 d
Citi Custom Cash$3,20022 d
Amex Blue Business$5,900184 d
Sound familiar?
  • 01

    “I have eight debts and I couldn’t tell you the total without opening Excel.”

  • 02

    “Two of my five 0 % APR cards expire in the next 90 days. I’m not totally sure which two.”

  • 03

    “My MCA has a factor rate of 1.32. I have no idea what that translates to in APR.”

If any of those felt familiar, keep scrolling.

The question nobody can answer
Most owners can't tell you how much of their business debt would follow them into bankruptcy.

We answer it on day one. Mark each debt as personally guaranteed, and the dashboard tells you total PG exposure across every loan, card, and line. It's the cheapest insight to compute and the rarest one to find.

One toggle per debtUpdates instantly
Personal-guarantee exposure4 of 7 debts

$312,400

personally guaranteed across 4 debts.

$174,600 not personally guaranteed.
SBA 7(a) loan$184,000PG
Equipment financing$72,400PG
Chase business LOC$36,000PG
Amex Business Platinum$20,000PG
MCA · BlueVine$94,600
Vendor financing · Net90$48,000
Square Capital$32,000
The 0 % APR stack

A great idea —
until the first one resets.

If you've spread balances across five 0 % intro-APR cards over two years, you're playing a game with no scoreboard. Different expiry dates. Different post-promo APRs. Some with deferred interest that backdate every penny if you don't pay off in time.

Cashpian is the scoreboard.

  • Per-card countdown

    Days-to-expiry and the exact monthly payment that clears it in time.

  • Traffic-light states

    Green: on pace. Amber: < 90 d, paying too slow. Red: < 30 d, or any deferred-interest card with a balance.

  • Alerts at 90 / 30 / 7 days

    “You’re paying $300/mo. You need $1,200/mo to clear $8,400 by July 22.” Not “your card expires soon.”

Deferred interest

Some store cards and “special financing” offers backdate every dollarof interest if you don't pay off in time. We detect and flag these.

0 % APR watchlist

5 cards · $33,950 promo balance

LenderBalanceDays leftRequired to clear

Chase Ink Unlimited

24.49 % APR after Jul 22

$8,40073 d$1,200/mo

Citi Custom Cash

Deferred ·Backdates 18 mo of interest

$3,20022 dPay $3,200 in full

Amex Blue Business

21.99 % APR after Oct 2026

$5,900184 d$320/mo

Capital One Spark

22.74 % APR after Jun 24

$12,10058 d$2,100/mo

U.S. Bank Triple Cash

23.49 % APR after Dec 2026

$4,350218 d$200/mo
Next alert: Citi Custom Cash, in 15 daysUpdated 6:00 AM
What we model that nobody else models

Built for the messy way
SMBs actually borrow.

Consumer trackers don't model factor rates. Treasury tools cost $2,500+ a month. We're the calm middle.

MCAs · factor rates

Daily debits. Factor rate 1.32.

We translate it to an effective APR you can compare against your other debts. Origination fees and holdback rates included.

Effective APR

47.8 %

SBA · equipment · vendor

Plaid won't see these.

We were built for that. Manual entry is a first-class path, not a fallback. Smart-default forms by debt type.

Time to add

~ 60 sec.

Promotional APRs

Purchases AND balance transfers.

Different rates. Different expiries. Different post-promo APRs. All tracked separately, per card.

Cards we model

120 +

What the dashboard answers

Five plain-English questions.
Five numbers.

What you're actually askingWhat lenders call itYours

How long can I keep paying my debts if revenue stops?

Current liquidity

4.2 mo

Am I taking on too much debt for the size of my business?

Debt-to-income

38 %

Am I making enough to cover debt service comfortably?

DSCR (1.25× benchmark)

1.42×

What goes out the door on debt every month?

Total monthly payment

$11,840

What's the next 12 months going to look like?

Next 12 mo. payable

$148,200

No bookkeeping in Cashpian yet?

Type a TTM revenue number, or upload a P&L PDF, and the dashboard lights up. The half-dead dashboard is a feature, not an apology.

Upload P&LType TTM
How it gets in here

Three paths in.
None of them painful.

Plaid import

For credit cards, mortgages, and auto loans. Opt-in, preview before saving.

Manual entry

For MCAs, equipment, vendor financing, SBA. Smart-default forms — pick "MCA" → factor rate appears.

Statement upload

Drop in a loan agreement. We extract the terms.

Read-only

We see your statements. We never move your money.

Bank-level encryption

Plaid pipeline, AES-256 at rest, SOC 2 in progress.

Your CPA still loves you

Interest categorization (Schedule C 16a/16b) flows automatically into your year-end numbers.

Built by operators

We were juggling six 0 % APR cards. We built this because we were terrified of forgetting one.

FAQ

The four objections that matter.

Business debt only — we'll keep your personal cards out of this. Mention them once in onboarding and you'll never see them in a report.

Manual entry is mandatory and designed for this. We model factor rates, daily debits, and origination fees natively.

Those are personal-finance tools. They don't know what a factor rate is, don't track personal-guarantee exposure, don't handle MCAs, and don't model 0 % APR expiry.

Yes. Interest charges flow into your existing Schedule C tax pipeline automatically.

Each balance shows when it was last updated. Statement upload (v1.1) will keep it current automatically.

One number. Ninety seconds.

Add your first debt.
See your full exposure in 90 seconds.

Plaid-securedCancel anytimeAlready a Cashpian user — it's free with your subscription.