Eliza - SigmaCore FP
Your Business Plan, Financial Model, and Loan Package - Done in One Conversation.
Whether you are launching a new business, growing an existing one, or walking into a bank to apply for a loan - Eliza gives you the financial clarity and professional documentation to move forward with confidence. Built for small and medium business owners. Trusted by investors. Respected by lenders.
She tries to start with a spreadsheet template she found online, but nothing fits her business. The template assumes a retail store, not a bakery. It asks for inventory turnover and shrinkage, but not food cost percentage or labor-to-revenue ratios. When she tries to adjust the formulas, the entire sheet breaks. She turns to ChatGPT for help, but the numbers it generates change every time she asks a follow up question. It confidently invents margins that don’t match her actual costs and produces projections that feel more like guesses than a financial plan. Maria knows she can/’t walk into a bank meeting with numbers she can’t defend.
At 11:30 PM, exhausted and frustrated, she opens Eliza. Instead of handing her a blank spreadsheet, Eliza starts a conversation. It asks her how many pastries she sells on an average weekday, what her ingredient costs look like, how many hours her staff works, and how her sales fluctuate between summer tourists and winter locals. Maria answers in plain English — no formulas, no jargon. She uploads her actual P&L and balance sheet, and Eliza instantly recognizes her real margins, her true cost structure, and her seasonal patterns. Within minutes, Eliza builds a three year financial model grounded in her actual numbers, not guesses. Every figure is mathematically guaranteed, traceable, and defensible.
Then Eliza goes further. It generates a complete business plan narrative that matches the financials perfectly — an executive summary that sounds like Maria, a market analysis that reflects her neighborhood, and a financial overview that explains exactly how her expansion will pay for itself. It produces a startup cost schedule for the new location, a use of funds breakdown that reconciles to the dollar, and a full SBA ready loan package organized in the exact format lenders expect. Maria reads through it and feels something she hasn’t felt in weeks: confidence.
Two days later, she sits across from her loan officer. Instead of apologizing for incomplete documents or stumbling through explanations, she hands over a clean, professional package. The officer flips through the projections, nodding as he sees the margins, the seasonality, the debt service coverage ratio — all calculated correctly, all consistent, all grounded in real data. When he asks how she arrived at a particular revenue figure, Maria opens Eliza’s assumption sheet and shows him the exact logic behind it. The meeting is smooth, efficient, and — for the first time — she feels like she’s speaking the bank’s language.
A week later, she gets the call: approved.
Eliza didn’t just help Maria prepare a loan package. It turned her knowledge of her business into a professional financial plan, eliminated the guesswork, and gave her the clarity and credibility she needed to grow. Her second location opens six months later.
Eliza didn’t just help her plan the future. It helped her reach it.
.On a Tuesday morning, Daniel receives a pitch from a local HVAC services company looking for a $600,000 growth investment. He expects the usual: a spreadsheet with mismatched formulas, a business plan copied from a template, and projections that grow by magic rather than math. Instead, the founder sends a clean, organized package labeled “Prepared with Eliza — SigmaCore FP.” Curious, Daniel opens it.
The first thing he notices is the structure. The financial model isn’t a spreadsheet at all — it’s a fully reconciled three year P&L, cash flow statement, and balance sheet that actually tie together. Every number is traceable. Every assumption is documented. The revenue model reflects the realities of a trades business: billable hours, utilization rates, technician capacity, seasonal demand, and subcontractor costs. It’s the first time in months he’s seen a small business projection that actually mirrors how the industry works.
Then he checks the math. Normally, this is where things fall apart — formulas overwritten, margins inconsistent, cash flow disconnected from the P&L. But Eliza’s model is deterministic. Every figure is mathematically guaranteed, and Daniel can click into any line item and see the exact assumption that produced it. When he tests the debt service coverage ratio, it matches the cash flow statement perfectly. When he checks the use of funds schedule, it reconciles to the dollar with the capital request. There are no hallucinated figures, no “plug numbers,” no hidden errors waiting to explode during diligence.
The narrative plan is equally tight. Instead of generic filler text, the business plan reads like it was written by someone who understands the company — because it was built directly from the founder’s inputs and the model Eliza generated. The story and the numbers align. The market analysis matches the revenue assumptions. The staffing plan matches the labor model. The expansion timeline matches the capital needs. Daniel doesn’t have to guess whether the founder knows their business. It’s obvious.
By the time he finishes reviewing the package, Daniel realizes something unusual: he hasn’t found a single structural flaw. No broken formulas. No contradictory assumptions. No invented numbers. No red flags that would normally kill a deal before the first meeting. Instead, he has a clear, credible, defensible financial picture — the kind he usually only sees when a company has hired a $5,000 to $10,000 CPA or fractional CFO.
When he meets the founder later that week, the conversation is different from the start. They aren’t arguing about whether the numbers make sense. They’re discussing strategy, growth, and execution. Daniel asks how the founder arrived at a particular revenue assumption, and the founder pulls up Eliza’s assumption sheet — showing the exact logic behind the projection. For the first time in a long time, Daniel feels like he’s evaluating a business, not cleaning up someone else’s spreadsheet.
Two weeks later, he wires the investment.
Eliza didn’t just help the founder look professional. It helped Daniel trust the numbers — and trust the opportunity. In a world where most small business financials collapse under scrutiny, Eliza generated models stand up to it. For an investor, that changes everything.
That’s why Andrea’s application stopped me in my tracks.
I’ve worked with Andrea for years. She’s a strong operator, but like most small business owners, financial documentation has always been her weak spot. I expected the usual back and forth — missing schedules, inconsistent projections, a business plan that didn’t match the numbers. Instead, she handed me a package prepared with Eliza, and it was the cleanest, most complete submission I’ve ever received from a small business client.
Everything tied together. The P&L, cash flow, and balance sheet were fully reconciled. The revenue model actually reflected how her industry works — class capacity, utilization, seasonality — not some generic template. The debt service coverage ratio was calculated correctly the first time. The use of funds schedule reconciled to the dollar with the loan request. And every number was traceable back to a documented assumption. I didn’t have to guess what she meant. I could see it.
For once, I wasn’t fixing the application. I was evaluating the business.
The narrative sections were just as strong. The business plan read like Andrea wrote it herself, and it matched the financials perfectly. No contradictions. No filler. No red flags. When I asked how she arrived at a particular projection, she pulled up Eliza’s assumption sheet and walked me through it with confidence. I’ve never seen her so prepared.
From an underwriting standpoint, Eliza saved me hours. From a risk standpoint, it gave me clarity I rarely get. And from a relationship standpoint, it helped a long time client present her business the way it deserves to be seen.
I recommended approval without hesitation.
If every borrower submitted a package like this, our entire underwriting pipeline would move faster, cleaner, and with fewer surprises. Eliza didn’t just help Andrea. It helped me do my job.”< br/> - Joseph Callahan Senior SMB Loan Officer & Underwriter
Spreadsheets are a disaster waiting to happen.
Most founders start with Excel or Google Sheets. They find a template online, fill in some numbers, and hope for the best. The problem? Nearly 90% of spreadsheets contain errors — and one wrong formula can cascade through your entire financial model without you ever knowing. Investors spot these errors immediately. Loan officers have seen them thousands of times. And when they find one, the meeting is over.
Generic AI tools make up numbers.
ChatGPT and other AI assistants sound confident — but they are not built for financial modeling. They perform calculations probabilistically, meaning the same question can produce different answers on different days. They fabricate figures, misapply formulae, and present invented numbers with complete confidence. Using an AI chatbot to build your financial plan is like asking someone to guess your future revenue and then betting your business on their answer.
Generic templates do not know your industry.
A restaurant operates nothing like a retail store. A consulting firm has an entirely different cost structure from a landscaping company. Fill-in-the-blank templates ignore these differences entirely — producing plans that look like every other plan, answer none of the questions specific to your business, and fall apart the moment someone asks a real question.
Starting from scratch is the wrong place to start.
If you are already operating a business, you have real numbers — actual sales, actual costs, actual cash flow. The last thing you should have to do is throw those out and guess at a new model. Most tools force you to start from zero even when you have 12 months of real financial history to build from.
Hiring an accountant or CFO is too slow and too expensive.
A good financial model from a qualified accountant can cost $2,000 to $10,000 and take two to four weeks — by which time your investor meeting has passed or your bank appointment has been rescheduled. Most small business owners simply cannot afford it, and even when they can, the back-and-forth revisions eat up weeks of valuable time.
SBA and other loan packages are a mystery to most business owners.
An SBA 7(a) loan application requires a complete package: financial projections, personal financial statement, business plan narrative, startup cost schedule, use-of-funds breakdown, and more. Most applicants do not know what is required, do not prepare it correctly, and do not present it in the format loan officers actually expect. Applications get rejected not because the business is unviable — but because the package was incomplete.
Eliza was built specifically for small business owners who need to present their business professionally — to investors, to banks, and to themselves. It is not a spreadsheet. It is not a generic AI. It is not a template. It is a guided financial intelligence platform that learns about your specific business through conversation and produces output that is mathematically guaranteed to be correct.
Built for Your Industry — Not Every Industry
Eliza does not ask every business the same generic questions. It knows that a restaurant needs to think about covers per service, average check size, and food cost percentage. It knows that a retail store needs to model inventory turnover, shrinkage, and seasonal traffic patterns. It knows that a service business needs to capture billable hours, utilisation rates, and subcontractor costs. When you tell Eliza what kind of business you run, it asks exactly the right questions for that business — and builds a model that reflects how your industry actually works, not how a generic template assumes it does. Currently supporting: Restaurants and food-and-beverage businesses · Retail stores · Professional services · Trades and contracting · Health and personal services · And more verticals launching throughout 2026.
Already Operating? Start With Your Real Numbers — Not a Blank Slate
If you have been in business for a year or more, you already have the most valuable asset in financial planning: actual data. Upload your current P&L and balance sheet and Eliza uses your real financials as the foundation for your forward projections. Your historical revenue trends, actual cost structure, and real margins become the starting point — not a guess. The result is a three-year forward model that is grounded in reality, not built on assumptions. This is exactly what bank loan officers and investors want to see: a projection that grows credibly from a verified base.
Every Number Is Mathematically Guaranteed
This is the most important thing Eliza does differently. Under the hood, Eliza uses a deterministic computation engine — not an AI guessing at your numbers, but a precision calculation system that produces the same correct result every single time. Your P&L, your cash flow, your balance sheet — every figure is exact, reproducible, and traceable back to the assumption that drove it. When your loan officer asks how you arrived at that revenue figure, you can show them exactly.
Eliza Talks to You — Not at You
Instead of handing you a blank spreadsheet, Eliza asks you questions in plain English. What do you sell? What does it cost you to deliver it? How many customers do you expect in your first month? What are your fixed monthly costs? You answer in your own words. Eliza handles the rest — no finance background required, no spreadsheet formulas to learn, no confusion about what goes where.
Your Complete Financial Plan — Built Around Your Business
Eliza generates a full three-year financial model customised to your specific business — your pricing, your costs, your growth rate, your seasonality. Not a generic template. Your plan, with your numbers, in a format that investors and banks immediately recognise and trust. • Profit & Loss Statement — monthly for three years, with annual summaries • Cash Flow Statement — showing exactly when money comes in and when it goes out • Balance Sheet — a complete snapshot of what your business owns and owes • Startup Cost Schedule — every pre-opening expense itemised and totalled • Use-of-Funds Breakdown — showing exactly where loan or investment money will go • KPI Dashboard — gross margin, breakeven point, debt service coverage ratio, and more
A Business Plan Written Around Your Numbers
Eliza writes the narrative sections of your business plan — the executive summary, company description, market analysis, and financial summary — drawing directly from the information you provided and the model it built. The result is a coherent, professional business plan where the story and the numbers are perfectly aligned.
Your SBA Loan Package — Organised, Complete, and Ready to Submit
Eliza knows what bank loan officers need to see. It organises your entire application package in the format SBA lenders expect — financial projections, business plan, startup cost schedule, use-of-funds statement, and supporting summaries — giving you the best possible chance of walking into that appointment prepared and walking out with an answer.
For Small Business Owners
You know your business. You know your customers, your costs, and your potential. What you need is a way to put that knowledge into a format that investors and banks can act on — without spending weeks and thousands of dollars on an accountant. Whether you are launching your first location or planning your next expansion, Eliza gets you there.
For Investors
When a founder presents financials built with Eliza, you are looking at a model where every number is mathematically verified, every assumption is documented, and every projection is traceable. No hidden formulae. No inconsistent logic. No hallucinated figures. Eliza-generated financials are designed to withstand scrutiny — because they are built on a computation engine, not a spreadsheet or an AI chatbot.
For Bank Loan Officers and SBA Lenders
Eliza-prepared applications arrive complete. The financial projections follow a standard, SBA-compatible format. The assumptions are documented. The debt service coverage ratio is computed correctly. The use-of-funds statement reconciles with the loan request. Eliza does not just help borrowers feel ready — it helps them actually be ready, reducing the back-and-forth that delays approvals and the gaps that lead to rejections.
| What Eliza Produces | What It Replaces |
|---|---|
| Industry-specific financial model for your business | Generic templates that miss how your industry works |
| Projections built from your actual P&L and balance sheet | Starting from scratch when you already have real data |
| Three-year P&L, cash flow, and balance sheet | Weeks with an accountant |
| Startup cost schedule and use-of-funds | Guesswork on a napkin |
| Business plan narrative | Fill-in-the-blank online template |
| SBA-ready loan package | Incomplete application |
| KPI dashboard with industry benchmarks | Hope that the numbers make sense |
Your Business Plan, Financial Model, and Loan Package - in One Conversation. No spreadsheet. No guesswork. No hallucinations. Just your plan, done right. Get started with Eliza - free.*
*Coming Soon