Most loan agreements require a compliance certificate on a schedule. Our platform builds it from your closed books, inside a bank-ready package. It will not report a pass on a covenant nobody has defined.
You keep the accounting software you use today. The platform works from its standard reports.
We record each covenant requirement from your loan agreement once, at onboarding.
Each month the platform calculates the ratios from your closed, tied-out statements and compares each one to its requirement.
The certificate, capital structure page, and transmittal letter go into one package. You review and sign it. The bank gets a complete package.
Your books show what happened. We tell your banker you’re in compliance, and prove it.
A compliance certificate is a signed statement to your bank. A wrong PASS can do more damage than a late report, so the platform is built to never produce one.
A sample page from a client package. The company and figures are fictional.
| Covenant | Requirement | Actual | Result |
|---|---|---|---|
| Current ratio | At least 1.25x | 1.62x | Pass |
| Tangible net worth | At least $1,500,000 | $3,840,000 | Pass |
| Debt service coverage | At least 1.20x | 1.58x | Pass |
| Liabilities to tangible net worth | No more than 3.00x | 1.40x | Pass |
| Fixed charge coverage | No requirement in loan agreement | Shown for reference | Not tested |
| Eligible receivables at 80% | $1,640,000 |
| Eligible inventory at 50% | $650,000 |
| Borrowing base | $2,290,000 |
| Line limit | $2,000,000 |
| Drawn | $450,000 |
| Available to borrow | $1,550,000 |
All four covenants pass with room to spare. Fixed charge coverage is calculated for reference only, because the loan agreement sets no requirement for it.
Comparisons describe the standard features of widely used small-business accounting software, as published by their makers in October 2026. Those products change often; we review this page every quarter.
A 30-minute call at no cost: how you get your numbers today, what you wish you knew sooner, and whether an engagement makes sense.