Give the small businesses you serve the tools to thrive.
Bags helps financial institutions, lenders and non profits deliver financial tools, capital readiness, and portfolio insight across the businesses they serve.
Why it works
Built for the owner first. That's why it works.
Most technical assistance tools ask business owners to do work that mainly benefits someone else, so it doesn't happen. Bags flips that: the clean books, the AI CFO, and the funding support are things an owner actually needs. They engage because it helps them scale, and everything downstream depends on it. Nobody has to chase anyone for a spreadsheet.
Three layers of support. Built to give small businesses the financial department they deserve.
Clean books.
Bags audits books and flags what to fix, in plain language.
They get their books in shape.
You get consistent data across every business you serve.
Financial review
Riverside Bakery LLC
Profit & Loss · 2025 · Synced from QuickBooks
Rules
0/9 passing
Revenue & Cost Classification
Expense Management & Quality
Data Quality & Cleanliness
TA at the scale you actually serve.
An AI CFO turns each business's numbers into answers, on demand.
Your TA budget stops capping how many businesses you can help, and you can see who's struggling while there's still time.
Happy to analyze your revenue growth. Which time period are you most interested in?
Capital.
Bags gets businesses funding-ready before they apply and tools to track repayment, once approved.
They get a smarter path to the money.
You get cleaner applications, higher approvals, and more capital deployed where you meant it to go.
Debt strategy
Find the lenders who will back your business
Pick how you want to borrow. Payment and cost update automatically.
Loan amount
$25,000
Term loan · 60 months · 10.5% APR
Monthly payment
$537
Total interest
$7,241
Debt coverage (DSCR)
1.62x→1.52xHealthy
Lenders who'd back you
Small Business Term Loan
Specialist pickCommunity Capital Partners
Growth Term Loan
Capital Access Coalition
Georgia Small Business Loan
Community Development Capital
The product
One continuous data layer.
From a single business's books all the way to portfolio performance.
Clean financials.
Standardized books built from live data, in the same shape for every business you serve.
Portfolio performance.
Revenue, cash flow, and financial health, tracked over time and across your whole network.
A shared data model.
The same definitions and metrics across the ecosystem, so you and your capital partners are working from one view instead of five versions of the truth.
For lenders.
Underwrite from consistent, current financials instead of a PDF someone exported last quarter. Less manual reconciliation, standardized inputs, and a clear view of how a business is doing after the money goes out.
For funds and investors.
Evaluate portfolios with comparable, transparent data. Compare performance across originators, understand each portfolio at the business level, and see how it's tracking without waiting on a quarterly report.
The scoreboard
5x
faster to funding
4.5x
higher approval rates with equitable lenders
250%
YoY revenue growth
Better tools lead to businesses that thrive, and impact you can stand behind.
Partnership model
Launch a program for your network. Live today.
Bags deploys co-branded or fully white-labeled for CDFIs, foundations, banks, lenders, and funds. Bundled technical assistance, financial tools your businesses will actually open, custom reporting, and portfolio insight, all under your brand.
Built for
What's included
- Bundled technical assistance
- Financial tools your businesses will actually open
- Custom reporting
- Portfolio insight