Working capital
is staying power.
See it build.

Netcase shows how working capital builds, year by year — and identifies the decision behind every change.

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  • 30-day free trial
  • No credit card required
Built for bankers, CPAs, and CFOs
What built Yr 1
Net income+$313K
Depreciation+$68K
Distributions−$243K
Capex + principal−$77K
Net change  +$61K
8Complete financial statements
31Banker-grade ratios, auto-computed
5 yrsForward-looking forecast, chained
~5 minTo import financials via Caseload AI
The measure at the center of the model

Every structural decision
lands in the cushion.

Working capital accumulates. Years of retained earnings, capital the owners put in, and long-term debt raised and held build it up; distributions, capital spending, and principal draw it down. What you are looking at is the residue of every structural decision a business has ever made — which is why a lender reads it as staying power, and why the covenant is written against it. Netcase is the model that shows it being built, line by line, five years out.

Sources & UsesWhat builds the cushion
Beginning Working Capital757
Sources
Net Income+313
Depreciation & Amortization+68
Uses
Distributions Paid(243)
Fixed Asset Purchases(25)
Long-Term Debt Reduction(52)
Ending Working Capital818
Net change in working capital+61 ✓

These sources and uses connect operating results and noncurrent balance-sheet activity to the current section. Those are the movements that change the cushion.

The bad-year testWhy the cushion is lendable
The same bad year drains each of them(180)
Company A — a real cushion
Working capital before818
After the loss638
Still above the covenant floorLendable ✓
Company B — a thin cushion
Working capital before140
After the loss(40)
Current liabilities now exceed current assetsDifferent conversation

Same setback, same dollars. The balance sheet is the only thing separating a strong company having a tough year from one with nothing underneath to absorb it — and that separation is the whole reason the cushion is what gets underwritten.

See the cushion.
Understand the staying power.

Netcase models working capital five years out and traces every movement to the operating, financing, investment, or owner decision behind it.

Change one thing. Watch which measure moves.

Profit and long-term borrowing build the cushion. Distributions and capital spending draw it down. And the operating cycle — receivables, inventory, payables — moves cash hard while leaving the cushion exactly where it was.

That last one is the distinction most tools lose, and it decides which lever fixes your problem. Pick a scenario and see both answers at once.

Read the full explainer — Understand working capitalFree to read. No account needed.
Live modelWhat changes?
Fully tied
Change the assumptionNet income $313K + depreciation $68K

The business earns a profit and charges depreciation against it.

Cash / LOC
Cash rises

Earnings convert to cash as receivables collect.

Working-capital cushion
Cushion rises

Profit and depreciation are both sources.

Why

Earnings land in the current section without a matching current obligation, so the cushion grows. Depreciation adds back on top: it reduced net income but consumed no current asset when it was charged, so the working capital it built is real. This is the ordinary way a company accumulates staying power.

Cash measures liquidity.Working capital measures staying power.
The gap in the market

Most tools show you what happened.
This one shows you what's coming.

Most reporting tools are built to explain what already happened. Netcase AI is built around the question your client is asking next.

Traditional reporting
  • ✗Starts with historical reporting
  • ✗Forecasts live in separate workflows
  • ✗What-if analysis takes manual setup
  • ✗AI summarizes but cannot work the model
  • ✗Goal-seek requires spreadsheet work
  • ✗Import and mapping take time
  • ✗Working capital and cash collapsed into one number
Netcase AI
  • ✓Forward-looking forecast model
  • ✓8 statements, fully tied
  • ✓Any variable, instant cascade
  • ✓AI writes back to the model
  • ✓Set Target — reverse any output
  • ✓Caseload: ~5 min import
  • ✓Working capital and cash, modeled separately
See it live

Excel-style familiarity. AI-powered depth.

The rows, columns, and structure CPAs and bankers already know — with projected columns color-coded by year, all statements always in sync.

netcase.ai / dashboard / balance-sheet
Dashboard
Companies
Reports
Settings
AI Chat
Balance Sheet
▲ Collapse All
Columns
View
Loans
◎ Set Target
↺ Reset
Cash
$435$681$924$1,168$1,411
Working Capital
$818$1,064$1,307$1,551$1,794
DSCR (NI)
4.8x4.8x4.9x4.9x4.9x
A/R Turn Days
3333333333
Caseload
Balance Sheet
Income Statement
Equity
Cash Flow
Sources & Uses
CCA
Funds Flow
Ratios
KPI Dashboard
in thousands (000s)
Accrual Basis
2024$ Act
2025$ Act
2026$ Proj
2027$ Proj
2028$ Proj
2029$ Proj
2030$ Proj
Assets
Current Assets
Cash AI1904356819241,1681,4111,654
Trade Accounts Receivable268268268268268268268
Inventory412412412412412412412
Total Current Assets8921,1371,3831,6261,8702,1132,356
Fixed Assets
Gross Fixed Assets510510510510510510510
Accumulated Depreciation (−)(160)(220)(280)(340)(400)(460)(520)
Total Assets1,2581,4351,6211,8041,9882,1712,354
Core capabilities

Any variable.
Every statement.
Instant answers.

Change any input — a loan, a distribution, turn days, margins — and the full result cascades instantly through every statement, every ratio, and every KPI. Not another P&L template: a complete, tied financial model, built the way bankers and CPAs actually think.

01

Complete pro-forma financials

IS + BS + CF (Indirect & UCA) + Equity + Funds Flow + CCA — plus Sources & Uses, the statement that shows working capital building line by line. All tied. All chained year-over-year.

02

Set Target — reverse the model

Enter any output target. Pick any driver. The bisection solver finds the exact input that gets you there — cross-page, cross-year.

03

Loans & leases integrated

Add any loan or capitalized lease. Payment schedules, interest, and ASC 842 treatment propagate automatically through every statement — and into EBITDAR, FCCR, and every coverage ratio.

04

Distributions & estimated payments

Model owner distributions and estimated tax payments. Every dollar flows through working capital, equity, and cash exactly as it should.

05

Caseload: AI extraction

Upload PDFs, QuickBooks exports, or images. Three parallel AI calls extract IS, BS, and equity in about five minutes — validated and mapped.

06

AI throughout — with write-back

AI reads every statement, ratio, and driver. Proposes driver changes and goal-seek targets via chat. One click applies them and cascades through the full model.

How it works

From financial statements to full forecast in minutes

Import with Caseload AI

Upload PDFs, QuickBooks exports, or images. AI extracts and validates IS, BS, and equity in ~5 minutes. You walk in ready.

Model your forecast

Adjust growth rates, margins, AR/AP days, loans, distributions, and capex. Every change cascades through all 8 statements automatically.

Answer any question

Use AI chat to analyze on the fly. Set targets and reverse-solve. Export to Markdown or HTML for your own AI models or client deliverables.

Live accounting sync

Already on QuickBooks? Skip the upload entirely.

Connect QuickBooks once. Netcase pulls your Income Statement and Balance Sheet straight from the source — and refreshes on demand as your books change. No exports, no PDFs, no re-keying.

QuickBooks Online

Secure · OAuth

Authorize once through Intuit. Netcase reads your Profit & Loss and Balance Sheet directly — mapped into the same tied model every other import feeds. Read-only; nothing leaves your books but the numbers.

Review how Netcase protects connected financial data →Connect to QuickBooks
Live report dataOne-click refresh✓ Deterministic
Blue Ridge Hardware, LLCsynced 2 min ago
✓Profit & Loss3 yrs pulled
✓Balance Sheet3 yrs pulled
Connected in one click→5-year forecast, every statement tied, every ratio live — the same model, whether the data came from a live sync, a PDF, EDGAR, or the IRS.
No documents required

Start from any public company or nonprofit

Skip the file hunt. Pull years of official financials straight from the source in seconds — then forecast forward with the same tied model.

SEC EDGAR · 10-K

Public companies

Type a ticker or company name. Netcase pulls the last several years of audited 10-K financials straight from SEC EDGAR — fully deterministic, no AI.

AAPL
AAPLApple Inc.FYE Sep · NASDAQ
MSFTMicrosoft Corp.FYE Jun
FY2022FY2023FY2024✓ Audited · deterministic
IRS e-file · Form 990

Nonprofits

Type an organization name. Netcase pulls the last several years of Form 990 financials straight from IRS e-file data — fully deterministic, no AI.

American Red Cross
990American National Red Cross501(c)(3)
990Habitat for Humanity Intl.501(c)(3)
FY2022FY2023FY2024✓ E-filed · deterministic
Imported in seconds→5-year forecast, every statement tied, every ratio live — same model, whether the data came from a PDF, EDGAR, or the IRS.
Why Netcase AI

The forecast is the product — not an afterthought

Most tools report the past and leave the future to a side spreadsheet. Netcase AI is one tied model where every statement, ratio, and KPI moves the moment you change an assumption.

  • ✓
    Every statement ties, automaticallyIS, BS, cash flow, equity, and funds flow always reconcile. Change one driver and the entire model re-solves — no re-linking, no broken references.
  • ✓
    Reverse the model with Set TargetName the output you need to hit — a DSCR, a cash balance, a ratio — and the solver finds the exact driver input without rebuilding formulas or maintaining a separate spreadsheet.
  • ✓
    Banker-grade accuracy you can defendEvery engine output is automatically parity-tested against a production credit-analysis model, so the numbers hold up in front of a credit committee.
  • ✓
    Built for the client meetingNot a back-office reporting tool. A live decision-support tool — designed to answer difficult questions on the fly, in the room.

Live output — auto-calculated

Total Funds Flowin thousands (000s)
Sources
Net Income2025 Actual313
Depreciation & Amortization68
Other Sources—
Total Sources381
Uses
Distributions Paid(243)
Net Fixed Asset Purchases(25)
Long-Term Debt Reduction(52)
Total Uses(320)
Net Change in Working Capital61 ✓
Derived from IS, BS & Equity — always in sync
AI throughout the application

Not a chatbot beside the model.
An analyst that works it.

AI reads every statement, ratio, and driver — then does the work. Ask a question, hand it a goal, or turn it loose in a safe sandbox. You always decide what actually lands in your forecast.

You set how much rope it gets

Plan: the AI drafts the complete multi-step plan — 10 to 20 changes if the task needs it — then stops for a single Apply All. (Ask = one card per change; Auto = it works in a cloned scratch case, your real forecast untouched.)

Plan the work
Breaks a request into an ordered, previewable set of proposals — one Apply All, no click-by-click.
Safe sandbox
In Auto, it clones your case and works there. Delete the copy to undo everything — the Base case is never at risk.
Model scenarios
“Model a buyout or ESOP,” “stress-test a downturn” — it asks for the terms, then builds a new case.
Covenant-aware
Checks the forecast against your loan covenants and flags the years that break.
Compare cases
Diffs any two scenarios side by side and explains what moved and why.
Write the narrative
Drafts the board-report write-up straight from the live numbers.
AI Chat — ForecastPlan mode
Get DSCR to 1.25× in year 3 without adding debt. Show me the plan first.
Here's a 4-step plan that lands DSCR at 1.25× by year 3 — no new borrowing. It trims distributions and tightens A/R, then re-solves margin for the gap.
1Cut owner distributions−$60K/yr
2A/R turn days 42 → 35+$48K WC
3Solve gross margin for DSCR→ 34.1%
4Verify covenants Yr 1–5all pass ✓
DSCR Yr3 → 1.25×
Ask, or hand it a goal…
Who it's for

Built for every professional who answers financial questions

Bankers & Relationship Managers

Run loan scenarios, stress tests, and DSCR projections live in client meetings.

CPAs & Accountants

Import financials in minutes. Build credible multi-year forecasts for advisory clients.

Fractional & Full-Time CFOs

Board presentations, lender packages, and scenario planning. Full model depth at your fingertips.

Business Owners

See what your balance sheet and cash flow look like before any major decision.

Financial Analysts

Stress-test assumptions. Set targets and reverse-solve. Export to your own AI workflows.

Business Consultants

Answer difficult financial questions on the fly with a simple, professional interface.

Credit Analysts

UCA cash flow, Funds Flow, coverage ratios, and minimum working capital — the exact framework your credit committee runs.

Anyone who needs a number to hold up

If you've ever said “let me get back to you” in a financial meeting — this is built for that question.

Pricing

One plan. Every feature included.

No tiers, no add-ons, no feature gates — every feature for each full-access professional user. Month-to-month.

30-day free trial
Netcase AI Professional
$100
per full-access user / month · month-to-month
  • All 8 financial statements — IS, BS, Cash Flow (Indirect & UCA), Equity, Funds Flow, CCA & Sources & Uses (the working-capital statement)
  • 5-year forward forecast, fully tied and chained
  • 31 banker-grade ratios + KPI dashboard
  • Caseload AI import — PDFs, QuickBooks exports & images
  • AI chat with write-back on every page
  • Set Target — reverse-solve any output for any driver
  • Loans & debt service, fully integrated
  • Distributions & estimated tax payments
  • Export to Markdown, HTML & Excel-compatible copy
Start Free Trial

30-day free trial · No credit card required

“I built this with the goal and dream of providing financial professionals a way to answer difficult questions with a simple interface — and to walk into any client meeting with a credible, forward-looking answer ready.”

— Casey Yoshihara, CPA · Founder, Netcase AI

Stop saying “let me get back to you.”

Netcase AI is built for bankers, CPAs, fractional CFOs, financial analysts, and consultants — anyone who needs a credible, forward-looking answer in the room.

Start Free Trial →Schedule a demo

30-day free trial · No credit card required