What problem does it solve? Founders facing a funding need often default to whatever financing is easiest to find rather than the instrument that best fits the amount, use, time horizon, and their ownership preferences. This Skill compares term loans, lines of credit, guaranteed small-business loans, equity, grants, and self-funding on cost, requirements, and feasibility, then produces a ranked recommendation with a clear repayment or investor-exit story. ## Core Features & Use Cases - Instrument Matching: Screens options by horizon and use of funds, applying debt-vs-equity and self-funding tests so long-term assets are never funded with short-term credit. - Cost & Feasibility Analysis: Computes pro-forma DSCR, amortizing loan payments, owner equity percentage, and per-option annual costs, cross-checking requirements against the company's forecast, collateral, and credit. - Use Case: A founder wants to buy a $100k packaging line without giving up equity. The Skill computes a project DSCR of ~2.7, recommends a $75k term loan with $25k owner equity, drafts the application narrative, and holds actual submission for founder approval. ## Quick Start Ask the AI to analyze how to fund a specific amount for a stated purpose, providing your cash position, forecast, and ownership preference, and receive a ranked financing recommendation.
