See how Plutus analyzes complex applications in minutes, not days.
Property Holdings
A real estate firm with complex existing debt structure across 28 positions. Plutus identified this as a strong consolidation opportunity despite the apparent complexity.
Despite 28 existing MCA positions, Plutus analysis revealed strong underlying fundamentals: $90K monthly deposits, consistent revenue patterns, and no missed payments. The consolidation reduced their total withhold from 226% to 36%, dramatically improving cash flow.
Equipment & Maintenance
A growing equipment services business needed quick capital for expansion. Traditional lenders quoted 3-4 weeks. We delivered in under a day.
Plutus document analysis processed bank statements, contracts, and business filings in 12 minutes. Strong owner profile (credit 720+) and consistent B2B revenue patterns supported rapid approval with moderate terms.
General Contracting
Despite recent loan stacking that raised red flags in traditional underwriting, Plutus identified this as a conditionally approvable deal.
While $60K/mo hard debt service initially concerned reviewers, Plutus analysis revealed a dominant owner profile (95/100), flawless payment history, and debt-to-revenue of only 13%. The adjusted score of 82 supported conditional approval.
Diversified Portfolio
This application demonstrates why automated analysis matters. What might look like a growth opportunity was actually a debt spiral with near-certain default probability.
Plutus flagged critical red flags: attempting to layer a 4th MCA position just 17 days after a $582K loan, organic revenue unable to cover $105K weekly obligations, active NSFs, and 45 foreclosures rendering personal guarantees worthless. Declined at 100% confidence.