Flagship · Agentic Finance

Fund the asset, not the balance sheet.

Growth in an asset-heavy business is gated by capital, not demand. You've won the work — you just can't fund the units to deliver it. Because Allometry already scores your revenue against executed work, you become underwritable, and capital lands in days instead of quarters.

Request capital → See what it unlocks Lending partners engaged; first pilot ahead
POST /v1/capital/request200 OK · 31ms
Facility request · MTL-E
12-site charger rollout
$1.4Mcapital sought
Signed backlogverified$2.1M
Asset collateral312 units$0.9M
Realized margin24 mo avg34.2%
Advanceable ARledger$232K
9 dTo funded
Diligence is a data feed, not a document request
Priced on demonstrated margin
Every drawdown traced to an address
Underwritable · AA−
Days
Not quarters —
the design target
Predicates
Proven — the books
never leave you
Per address
Every drawdown traceable
to a job
100%
Traceable to
executed work
Agentic Finance · answers "can you fund this?"
Equipment finance Vendor terms Ledger · AR advance Capital Request
The stakes · Growth gated by cash

You won the work. You can't fund the units.

Every unit is paid for before the invoice clears. That gap — not demand — is the real constraint, and it persists because lenders can't see what you've actually executed. They underwrite stale financials and price for their own uncertainty. The spine makes the work visible, so the price of capital falls.

✗ Traditional asset finance
  • Underwritten on stale financials, quarters behind
  • Diligence measured in weeks, per facility
  • Priced for opacity — you pay for their uncertainty
  • Personal guarantees on work that's already contracted
✓ With Agentic Finance
  • Underwritten on executed work, scored per address
  • Diligence is a live data feed, refreshed daily
  • Priced on demonstrated margin, not a category average
  • Collateral is the asset and the backlog behind it
Step 01 · Underwritable

The packet builds itself.

A lender wants four things: verified backlog, real cost, asset collateral, and payment history. All four already live on the spine. So the underwriting packet is a query, not a three-week document scramble.

  • Backlog verified against signed contracts, not a pipeline report
  • Collateral valued from the installed asset register
  • Margin history per address, 24 months deep
See the Ledger →
Underwriting packet · auto-builtrefreshed daily
ContractVerified backlog$2.1M
AssetCollateral value · 312 units$0.9M
PulseRealized margin · 24 mo34.2%
ERPDSO · trailing41 d
LedgerAdvanceable AR$232K
AA−
Internal grade
lender-readable
Step 02 · Structure

The right instrument for the right gap.

Not every shortfall is a loan. A capex gap wants equipment finance; a working-capital gap wants a receivable advance; a supply gap wants vendor terms. Allometry knows which gap you actually have, because it can see the cash cycle.

  • Matched to the gap — capex, working capital, or supply
  • Facility sized to scored backlog, refreshed daily
  • We don't lend — we make you underwritable to partners
See Capital Request →
Capital stack · 12-site rollout$1.4M
Your equityRetained$280K
Equipment financeAsset-secured · 48 mo$630K
Vendor termsNet 90 · supply$350K
AR advanceLedger$140K
Funded · equity at 20%$1,400,000
The primitive · Same equity, more asset

The point isn't cheaper debt. It's more deployments.

Paying cash for units sinks your working capital into steel and waits two years to recover it. Financing keeps the curve shallow — and the capital you didn't sink becomes the next three sites.

Break-even Cash purchase With asset finance ◂ CAPITAL FREED mo 0mo 12 mo 24mo 36
⚡ equity not sunk in receivables — redeployable as growth in the same period
Capex gap

Equipment finance

Asset-secured term debt against the units themselves, 36–60 months.

Use when buying units
Working capital

Receivable advance

Draw against invoices already raised on completed work. Ledger sizes it daily.

Use when DSO bites
Supply gap

Vendor terms

Extended payment terms negotiated on your verified backlog, not your age.

Use when stock gates you
Growth capital

Capital Request

A facility sized to predictable RevOps demand, refreshed as the book grows.

Use when scaling territories
How it actually works

We don't lend. We make you legible.

Allometry is not a lender and takes no credit risk. We build the underwriting packet from your own operating data and put it in front of financing partners who compete for the facility. You keep the relationship; we keep the data honest. Terms, rates, and approval remain entirely with the lender.

DimensionTraditional routeThrough Allometry
Basis of underwritingTrailing financialsExecuted work, per address
DiligenceDocument request, weeksLive data feed, daily
Time to fundedOne or two quartersdays, not quarters — the design target
CollateralCompany + guaranteesAsset + verified backlog
Facility sizingFixed at signingRefreshed as the book grows
Who carries riskYou and the bankLending partner · not Allometry
The operating system · six flagships, one asset lifecycle
Now · in pilot

Find out what your book is worth today.

Send us a quarter of closed jobs, your asset register, and your open backlog. We'll build the underwriting packet, tell you the grade it earns, and what a partner would fund against it.

Request capital → Estimate your leak first No obligation · read-only