$0M+
Capital placed for small businesses
0+
Businesses served and growing
Instant–0 hrs
Median time to approval decision
0+
Industries funded nationwide
0.0/5
Average advisor rating

Netto · Budgets & Reporting

Know your margin before the month closes

Netto continuously normalizes transactions, builds a live P&L, and surfaces the signals that actually move your margins.

Live P&L · this month

Updated 2m ago
Revenue$412,880
Cost of revenue$186,300
Operating expense$97,140
Net margin31%

The platform

Everything the finance function needs, nothing it doesn't

Business banking

Operating and reserve accounts with same-day ACH, wires, and no monthly minimums.

Cards with real controls

Vendor-locked virtual cards and pre-authorization rules that block spend before it happens.

Working capital

Seasonal and inventory financing sized to your cycle, not a fixed calendar.

Business payments

AP, payroll funding, and fuel or fleet programs run through one payables workflow.

Reporting that reconciles

Close-ready exports to QuickBooks, Xero, and NetSuite with categorization already done.

Compliance built in

Approval trails, receipt capture, and audit-ready records on every transaction.

We replaced three tools and a spreadsheet. The live P&L alone changed how we price jobs.
Dana Whitfield · CFO, Ridgeline Mechanical
Approved for a line of credit in a day and a half, and the advisor actually explained the cost.
Marcus Ellery · Owner, Ellery Logistics
Equipment financing closed before our supplier's price hold expired. That was the whole ballgame.
Priya Raman · COO, Northgate Fabrication

What does your business need to thrive?

Tell us the outcome you're funding. We'll structure the capital and the controls around it.

Apply now