Describe the business. Get the model.
Ledgerly turns a paragraph into start-up costs, twenty-four months of cash-flow and a projected income statement. Then you argue with it in plain language and watch every month move.
No account, and nothing is uploaded: the projection is built and kept in this browser. Export the workbook or the memo whenever you want a copy you control.
The four steps a lender already accepts
Ledgerly keeps the structure of the 24-month cash-flow workbook that small-business lenders hand out. What changes is who fills it in.
Start-up costs
Equipment, leaseholds, licences and opening stock, each matched to a funding source — owner contribution, loan, other capital — with the balance check kept honest.
Year 1 cash-flow
Sales assumptions per product or service line, average sale value, cost of inventory, the expense lines and debt service. Twelve months of inflow against outflow.
Year 2 cash-flow
Months 13 to 24, carrying cumulative cash forward and switching the loan from interest-only to principal repayment in the month it actually happens.
Projected income
Gross margin, total expenses and net profit before and after tax for both years — calculated, never typed, so the statement and the cash-flow cannot disagree.
What the model does that a spreadsheet cannot
A template gives you cells. Ledgerly gives you a position on your own numbers — and tells you which of them it made up.
Builds itself from a description
Say what you sell and roughly what it costs. Ledgerly proposes the sales categories, unit price, cost of sales and growth curve, and shows where each figure came from.
Labels what it guessed
Every assumption says whether it came from you, from a file you attached, or from a benchmark. The ones still on a benchmark are the ones to fix before this goes anywhere.
Argues with you
Flags what is unrealistic, what is missing and what a lender will question first — the balance check, the absent replacement reserve, the owner draw before break-even.
Answers what-if in one line
Double the ad spend, raise prices ten percent, hire in month four. Ask in the chat and the model forks into a new version beside the old one, so you can compare rather than undo.
Ranks the strategies
Base, aggressive and conservative are compared on what actually decides a business: the month it funds itself, the lowest cash point, and profit after tax.
Writes the memo
The narrative a loan officer reads, generated from the numbers in front of you and re-generated the moment they change. Export it as a PDF with its assumptions ledger attached.
What it is not
- Accounting. It projects; it does not record what happened, reconcile a bank feed or file anything.
- Advice. Every figure it supplies is a benchmark until you replace it, and it says so on each one.
- A promise about tax. The rates are estimates you can change, and carry-forward losses are not modelled.
- Stored on our servers. Your projection is in this browser only, which is also why you should export it.
Already started one? Open your workspace.