Capital readiness intelligence

Most businesses are priced on what they cannot evidence.

Our proprietory App produces a structured capital readiness memo for Australian owner-operated businesses, calibrated to what lenders, acquirers and investors actually price. Not a score. A position, and what moves it.


Closed beta. Accounts are reviewed and issued individually.
The position

Capital is priced against evidence, not performance.

A lender assessing a facility, an acquirer building a bid, and an investor sizing a raise are all doing the same thing: converting what a business can demonstrate into a number. Trading performance sets the ceiling. Evidence determines how much of that ceiling is reachable.

Owner-operated businesses between $2M and $200M in revenue systematically under-evidence. Not because the underlying business is weak, but because the functions that produce evidence — management reporting, contracted revenue visibility, documented governance, succession depth — are the functions an internal CFO or controller would own, and there isn't one. The gap shows up as a discount, a tighter covenant, a longer diligence period, or a deal that doesn't close.

That gap is measurable, and most of it is closeable in months rather than years. Danalytic quantifies it against sector benchmarks and lender-side thresholds, then sets out which items move the position furthest for the least effort.

How it works

Three steps. Roughly 30 minutes.

1 2 3 Financials in Structured assessment Capital memo

About 12 minutes

Financials in
Two years of P&L and balance sheet, plus a short business profile. Figures a founder already knows or can pull from their accounting file. No integrations, no upload, no accountant required.

18 questions

Structured assessment
Qualitative questions on revenue durability, governance, owner dependency and succession — sector-specific, and drawn from what capital providers actually ask in diligence.

About 12 minutes

Financials in
Two years of P&L and balance sheet, plus a short business profile. Figures a founder already knows or can pull from their accounting file. No integrations, no upload, no accountant required.

Sample output

What a capital memo looks like.

An excerpt from a Capital Assessment. Illustrative business, real output format.

Kestrel Field Services
Field services  ·  $21.4M revenue  ·  Objective: exit preparation
Illustrative — excerpt
The business trades well and carries a stronger asset position than most in its sector. The constraint is neither performance nor capitalisation. It is that 52% of revenue sits with a single head contractor on rolling 12-month terms, and that agreement — not the fleet, not the margin — will set the structure of any offer received.
Capital readiness
62
/ 100
Developing — conditionally fundable
Transaction ready
0ConstrainedDevelopingReady100
DimensionScoreSector
Balance sheet strength
7870
Earnings quality
7267
Governance and reporting
5861
Owner dependency
5659
Revenue durability
4662
Risks identified
Critical
Customer concentration — 52% of revenue with a single counterparty on rolling 12-month terms
The agreement carries no renewal right and expires inside a normal diligence window. An acquirer will price that revenue at risk rather than at run-rate and will structure consideration against renewal, typically through deferred payment tied to the extension. Threshold for unstructured treatment in this sector is below 30%.
Moderate
Estimating and tendering sit entirely with the managing director
All work above $250k is priced by one person against no documented methodology. Margin continuity cannot be underwritten without it, so a buyer will either hold the owner through an extended earn-out or discount for the risk that win rates fall after completion.
Priority actions
Ranked by score impact against effort required. The concentration finding carries the largest single movement available — securing a term extension or a renewal option on the head contractor agreement before going to market is estimated to move overall readiness by 11 points, and removes the principal reason a buyer would structure consideration rather than pay it. The second action documents estimating methodology and transfers pricing authority under $500k to the operations manager, which is lower impact at 5 points but runs in parallel and requires no counterparty contact. Third, the plant register carries 14 items at written-down values that no longer reflect
The full memo continues with quantified score uplift per action, valuation range, debt capacity and exit readiness.
Kestrel Field Services is a fictional business created to demonstrate output format. Figures, findings and benchmarks shown are illustrative and are not advice.
What's included

The snapshot establishes the position. The assessment sets out what to do about it.

Capital Snapshot

$0

Free

Where does the business stand?

A readiness position benchmarked against sector, with every risk that triggers shown in full and grouped by severity. Complete on its own terms — nothing is withheld to create an upsell.

  • Overall readiness score and tier
  • Five benchmarked dimension scores
  • Sector context: margin, growth, leverage, coverage, concentration
  • All triggered risks, severity-grouped

Capital Assessment

$249

One-off

What moves it, and by how much?

The full advisory memo. Every finding carries a quantified action, ranked by impact against effort, with the valuation and debt consequences set out alongside.

  • 18-question diagnostic with written commentary
  • Priority actions with quantified score uplift
  • Indicative Valuation range and earnings quality overlay
  • Debt capacity and serviceability position
  • Transaction readiness checklist — 25 items
  • Advisor brief, ready for a lender, investor and buyer
Fit

Who this is built for.

Danalytic is calibrated to a specific business. Outside that range the benchmarks stop being meaningful, and it is better to say so.

  • Revenue:  $2M to $200M
  • Users Profile: Business Owners, Board, Senior Management, Accountant and Advisor
  • Sectors: Professional services, healthcare, trades and field services, industrial and manufacturing, logistics
  • Ownership: Owner-operated or closely held
  • Situation: Planning or approaching a capital event — sale, raise, refinance, buyout or succession
  • Jurisdiction: Strictly Australia only. Benchmarks reflect Australian lender and acquirer pricing.
beta access

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