CHAPTER 01 // DASHBOARD & CORE METRICS
Executive Loan Readiness & Underwriting Dashboard
The Executive Dashboard provides founders, CFOs, and commercial bank underwriters with real-time solvency ratios, liquidity positions, and debt capacity evaluations.
📊 Debt Service Coverage Ratio (DSCR)
Calculated as EBITDA ÷ Total Annual Debt Service. Banks require $\ge 1.25\times$ for commercial loan approval. A ratio $> 1.50\times$ provides strong creditworthiness.
🧪 Demo Mode vs. Live Account
Toggle seamlessly between Demo Data (sample publishing agency contracts, Plaid sandbox feeds) and Live Account to connect your actual business banks and general ledger.
⚡ Commercial Loan Simulator
Test desired loan amounts ($10k to $1.5M), interest rates, and loan terms (3 to 10 years) to preview projected monthly debt service and resulting post-loan DSCR.
📈 Trajectory Visualizations
Dual-line charts plotting invoiced deals against actual bank inflows and operating disbursements over a 6-month historical timeline.
CHAPTER 02 // CONTRACTS & RECEIVABLES
Document Maker Deals & Accounts Receivable
Track multi-page client deals, retainer agreements, and publication sponsorships generated from the Document Maker studio with direct payment reconciliation.
1
Create or Ingest Client Contracts
Click + New Deal Contract or import deals from your CRM. Set client name, contract value, deal type, and payment status (Invoiced, Retainer, Paid, or Defaulted).
2
Monitor Uncollected Accounts Receivable (AR)
Invoiced deals automatically tally into Uncollected AR in the top header and populate the GAAP Balance Sheet under Current Assets.
3
Match to Bank Cleared Deposits
When client wire or ACH payments arrive in the bank feed, match them directly to the open deal contract to mark as PAID & RECONCILED.
CHAPTER 03 // BANKING & PARSERS
Bank Feeds, Plaid & Universal File Ingestion
Seamlessly aggregate transaction streams from major institutions (Chase, BofA, Wells Fargo, SVB), investment brokerages (Vanguard, Robinhood), and property portals (AppFolio).
🔗 Plaid Institutional Connect
Connect bank and credit card feeds securely. In Demo mode, test sandbox credentials; in Live mode, authorize direct OAuth bank links.
📑 Universal Excel Ingestion (.xlsx, .xls)
Drag and drop standard bank statement spreadsheets. The auto-column mapper detects Date, Payee/Memo, Debit, Credit, and Category.
💼 QuickBooks Support (.QBO, .IIF, .CSV)
Full support for QuickBooks Web Connect (.qbo), Intuit Interchange Format (.iif), and QuickBooks Transaction Detail CSV exports.
🧾 Receipt Linking Directly in Ledger
Click 🧾 Receipt ✓ to open the verified document, or click 📎 Attach Doc to pair any bank line with an invoice or receipt.
CHAPTER 04 // RECEIPTS & OCR AUDIT
Document Vault & Automated OCR Extractions
Store, organize, and audit all financial receipts, vendor invoices, tax returns, and legal entity filings required for lender due diligence.
1
Upload Receipts & Invoices
Drop PDF, PNG, or JPEG files into the Document Vault. Automatic OCR scans payee, date, total amount, and category tax classification.
2
Review OCR Confidence & Metadata
Inspect extraction accuracy (e.g. Demo OCR (99.4%)) and edit metadata directly before confirming verification.
3
Audit Backing for Bank Loans
All verified documents automatically compile into the audit repository attached to the Bank Loan Application Package.
CHAPTER 05 // REAL ESTATE & AVM
Real Estate Assets & Tri-Source AVM Valuations
Track commercial and residential properties with automated multi-source Automated Valuation Models (AVM) from Redfin, Zillow, and Realtor.com.
🏢 Tri-Source Market Consensus
Averages valuations from Zillow (Zestimate), Redfin (Estimate), and Realtor.com / CoreLogic (RealAVM) to calculate an unbiased consensus mean.
🛡️ Pledged Collateral Toggle
Toggle the "Pledged Collateral" badge on any property to immediately include its equity in the Bank Loan Collateral Coverage Ratio (CCR).
📉 Loan-to-Value (LTV %) & Net Equity
Automatically calculates active LTV %, Net Tangible Equity (Value − Mortgage Balance), and Gross Rental Yield %.
📍 Instant Address Appraisal Lookup
Click + Add Property Asset and enter any property address to simulate or pull instant multi-source automated valuations.
CHAPTER 06 // PROJECTIONS & SCENARIOS
Monthly Inflows/Outflows & 12-Month Projections
Analyze micro cost-center expenditures, macro revenue streams, and test forward-looking 12-month and 3-year growth and recession scenarios.
1
Micro Cost-Center Donut Chart
Breaks down disbursements across COGS (Paper/Print), Payroll, Facilities Rent, SaaS, USPS Postage, and Debt Service.
2
Dynamic Growth & Inflation Sliders
Adjust Revenue Growth (-20% to +50%), Inflation (0% to 15%), and Capital Loan Injections to model cash runway in real time.
3
Export Structured Financial Artifact (.json)
Download structured executive projection models for board review, venture partners, and commercial loan officers.
CHAPTER 07 // GAAP ACCOUNTING
GAAP-Compliant Financial Statements
Generate standardized Balance Sheet, Profit & Loss (Income Statement), and Statement of Cash Flows with real-time double-entry reconciliation.
📑 Balance Sheet (Statement of Financial Position)
Balances Assets = Liabilities + Equity. Includes Liquid Cash, Accounts Receivable, Fixed Real Estate Holdings, and Mortgage Debt.
📈 Profit & Loss (Income Statement)
Calculates Gross Revenue, Cost of Goods Sold (COGS), Gross Profit Margin %, Operating Expenses (OPEX), EBITDA, and Net Income.
💵 Statement of Cash Flows
Decomposes cash movements into Operating Activities, Investing Activities (CapEx & Real Estate), and Financing Activities (Debt & Capital).
🖨️ PDF & Print-Ready Formatting
Export clean, audited financial reports formatted specifically for bank credit committees and CPA reviews.
CHAPTER 08 // SBA & BANK UNDERWRITING
Bank Loan Application Package & Schedule D
Generate a complete, lender-ready underwriting package formatted for commercial bank credit committees and SBA 7(a) / 504 loan programs.
1
Executive Credit Memo & 5 C's Analysis
Automates analysis of Character, Capacity (DSCR 1.84x), Capital, Collateral (CCR 2.45x), and Conditions.
2
Schedule D: Real Estate Assets & Pledged Collateral
Presents full property schedule with Redfin, Zillow, and Realtor consensus AVM valuations, mortgage balances, and borrower equity.
3
Export / Print Loan Application Package
Click 🖨️ Export PDF / Print Package to generate the comprehensive underwriting binder complete with watermarks and disclosures.
CHAPTER 09 // CENTRAL ECOSYSTEM
Axios AI Media Ecosystem & Central Telemetry
Navigate seamlessly across the 9 applications of the Axios AI Media suite with unified Cloudflare Access authentication and central telemetry reporting.
🌐 9-App Switcher Dropdown
Click "Axios Suite ▾" in the top header to navigate to Metrics, Document Studio, Cyber SOC, OpsPlanner, ThreadCraft, NovelCraft, or GrantPulse.
📡 Axios Metrics Telemetry Integration
Automatically reports non-blocking session telemetry and underwriting events to https://metrics.axiosaimedia.com.
🔐 Cloudflare Zero Trust Access
Protected enterprise applications feature Single Sign-On (SSO) via Cloudflare Access App Launcher.
☁️ Production Cloud Hosting
Hosted at finance.axiosaimedia.com with automated edge deployment on Cloudflare Workers & Pages.
