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.
Across 4 of your 7 debts · Updated today
follows you into bankruptcy.$174,600 not personally guaranteed.
Total debt
$487,000
7 instruments
Monthly service
$11,840
all-in
DSCR
1.42×
over 1.25 benchmark
“I have eight debts and I couldn’t tell you the total without opening Excel.”
“Two of my five 0 % APR cards expire in the next 90 days. I’m not totally sure which two.”
“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.
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.
$312,400
personally guaranteed across 4 debts.
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.”
Some store cards and “special financing” offers backdate every dollarof interest if you don't pay off in time. We detect and flag these.
Chase Ink Unlimited
24.49 % APR after Jul 22
Citi Custom Cash
Deferred ·Backdates 18 mo of interest
Amex Blue Business
21.99 % APR after Oct 2026
Capital One Spark
22.74 % APR after Jun 24
U.S. Bank Triple Cash
23.49 % APR after Dec 2026
Consumer trackers don't model factor rates. Treasury tools cost $2,500+ a month. We're the calm middle.
We translate it to an effective APR you can compare against your other debts. Origination fees and holdback rates included.
Effective APR
47.8 %
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.
Different rates. Different expiries. Different post-promo APRs. All tracked separately, per card.
Cards we model
120 +
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
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.
For credit cards, mortgages, and auto loans. Opt-in, preview before saving.
For MCAs, equipment, vendor financing, SBA. Smart-default forms — pick "MCA" → factor rate appears.
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.
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.