Skip to content
MirianAI
How the platform works The three layers, approvals and the audit trailMirian Helix The consolidated financial data platformMirian Pulse Ask any number, get its sourceMirian Labs Your workflows, built on the platform by our teamMirian Capital Working capital that finds you
Invoice-to-Cash Collections and cash applicationInvoice-to-Pay Bills captured, coded and approvedTreasury & Cash The 13-week cash flow forecastFinancial Close Prepared by agents, certified by youReporting & Insights Board packs and KPIs, with sources
AboutSecurityCareersFAQ
Sign inBook a working session
PlatformHow the platform worksMirian HelixMirian PulseMirian LabsMirian CapitalAgentsInvoice-to-CashInvoice-to-PayTreasury & CashFinancial CloseReporting & InsightsCompanyAboutSecurityCareersFAQSign inBook a working session
Back to home/Capital
Mirian Capital · embedded financing

Working capital that finds you.

Embedded financing inside the operating system: facilities underwritten from your cash flow, funded by partner lenders.

Book a working sessionSee how it works
  • Ledger
  • Bank feeds
  • 13-week forecast
13-week cash forecastTreasury & Cash agent
Forecast dips below the minimum buffer in weeks 6 to 8A 13-week cash forecast line stays above a dashed minimum buffer line except in weeks 6, 7 and 8, where it falls below. The shortfall is shaded.Minimum bufferW1W2W3W4W5W6W7W8W9W10W11W12W13
CapitalDemo data
Receivables facility sizedCovers weeks 6–8
Forecast cashMinimum bufferGap

Why the ledger matters

Two ways to see a business.

Payments platforms

They lend against the sales they can see.

  • Card salesVolume through their checkout
  • Settlement accountPayouts into the one account they settle to
  • Invoices on termsOut of view
  • Cash held elsewhereOut of view
  • PayablesOut of view
  • Customer payment historyOut of view
  • 13-week forecastOut of view
2 of 7 in view

Mirian

Mirian reads your whole ledger.

  • Card salesRead with everything else
  • Settlement accountOne of every account it reads
  • Open invoicesEvery invoice still unpaid
  • Cash in every bankRead from your bank feeds
  • PayablesWhat is due out, and when
  • How customers payPayment habits, customer by customer
  • 13-week forecastTies it all together
7 of 7 in view

So the companies they cannot serve are the ones we serve best.

The underwriting position

What the underwriting position holds.

Mirian already runs your receivables, payables and cash. The same records become the case a lender reads.

  • Receivables, invoice by invoice

    Each open invoice with its age, its customer and how that customer has paid before. Eligibility is set line by line.

    Source · Invoice-to-Cash

  • Cash position and the forecast

    Balances from your bank feeds and the 13-week forecast, kept current every morning.

    Source · Treasury & Cash

  • Payables and timing

    What is due out and when. A facility is sized to the real gap, with nothing added for comfort.

    Source · Invoice-to-Pay

  • History that compounds

    Every cycle Mirian runs adds to the record. The position gets sharper the longer you run on it.

    Source · Financial Close
  • Underwritten from your ledger, bank feeds and 13-week forecast
  • Funded by partner lenders
  • Mirian is not a lender and never holds a loan
The launch menu

Eight ways to close a gap.

The agent matches the gap to the facility that fits it. Sizes are typical ranges; each lender sets its own terms.

Mirian Capital launch menu: financing types, what each solves, typical duration and size band
FacilityWhat it solvesTypical durationSize band
Receivables facilityRevolving funding against eligible receivables, sized to the forecast gap.Revolving$250K–$10M
Invoice factoringCash now for specific invoices; the factor collects from the customer.30–90 days per invoice$50K–$5M
Invoice financingBorrow against open invoices while you keep collecting from customers.30–90 days per invoice$50K–$5M
Line of creditA standing buffer for timing gaps between paying out and getting paid.Revolving, 12-month renewal$50K–$5M
Term loanOne-time funding for a planned investment, repaid on a fixed schedule.1–5 years$100K–$5M
Equipment financingBuy machinery, vehicles or hardware; the equipment secures the facility.2–7 years$25K–$5M
SBA 7(a) and ExpressLonger, government-backed terms for growth, acquisitions and working capital.Up to 10 yearsUp to $5M (7(a))
Inventory financingFund stock ahead of a selling season and repay as it sells through.6–12 months$100K–$5M
The borrower journey

Ten steps from Signal to Funded.

Each step has one owner and a typical time. The agent prepares. Your team decides. The lender funds.

PHASE 1Mirian preparesPHASE 2You decidePHASE 3Lender fundsAgentYour teamLender01SignalSame morning02SizingMinutes03SurfaceSame day04ConsentOne click05Pre-qualify1–2 days06Offers2–5 days07AcceptYour call08Sign1 day09Funded1–3 days10RepayOngoing
01
Phase 1 · Mirian preparesSignalForecast agent sees weeks under the minimum buffer
AgentSame morning

Step 1: Signal. Phase 1 · Mirian prepares. Forecast agent sees weeks under the minimum buffer. Agent. Same morning.

Select any step. The moving dot is one facility travelling the journey.

Phase 1 Mirian prepares

  1. 01SignalForecast agent sees weeks under the minimum bufferAgentSame morning
  2. 02SizingFacility sized against eligible receivablesAgentMinutes
  3. 03SurfaceOption shown to the CFO with the gap it coversAgent prepares, approver confirmsSame day

Phase 2 You decide

  1. 04ConsentExplicit consent before any data goes to a lenderYour teamOne click
  2. 05Pre-qualifySoft inquiry only; no effect on creditAgent prepares, approver confirms1–2 days
  3. 06OffersPartner offers compared side by side, disclosures shownLenders2–5 days
  4. 07AcceptOffer accepted; hard inquiry happens only nowYour team · human-only, dual approval above thresholdYour call
  5. 08SignDocuments signedYour team · human-only1 day

Phase 3 Lender funds

  1. 09FundedFunds land in your own accountLender1–3 days
  2. 10RepayRepayment tracked against the forecastYour team approves draws and repaymentsOngoing
  • Agent
  • Your team
  • Lender
Controls

The agent prepares. Your team decides.

Capital runs on the same approval rules as the rest of Mirian. Every step that commits the company waits for a person.

Agent-prepared · approver-confirmed

The agent does the work. An approver confirms it.

  • Surfacing an optionApprover confirms
  • Pre-qualifyingApprover confirms

Nothing leaves Mirian until your team gives explicit consent.

Approval
gate

Human-only · dual-approved above a threshold

Only people commit the company.

  • Accepting an offerHuman-only
  • Signing documentsHuman-only
  • Drawing fundsHuman-only
  • RepayingHuman-only

Above the threshold you set, two approvers sign off.

Nothing in Capital is autonomous.

Same approval rules as the rest of Mirian.

Compliance

  • 01

    Commercial financing only

    Capital serves businesses. It offers no consumer products.

  • 02

    Disclosure before acceptance

    Every offer shows its full disclosures before anyone can accept it.

  • 03

    Soft first, hard last

    A soft inquiry at pre-qualification. A hard inquiry only when an offer is accepted.

  • 04

    Consent before data moves

    Client data goes to lenders only after an explicit consent step.

  • 05

    Referral and orchestration

    Mirian is a referral and orchestration platform. It is not a lender, broker-dealer or money transmitter.

Questions

What finance teams ask first.

Bring the rest to a working session.

Is Mirian a lender?

No. Mirian is a referral and orchestration platform. Partner lenders fund every facility, and Mirian never holds a loan.

Who makes the credit decision?

The lender. Mirian prepares the underwriting position from your ledger, bank feeds and forecast. Each lender reviews it and makes its own decision.

What does it cost us?

Pricing is set by the lender and disclosed in full before you accept. Nothing is drawn without your approval.

What data leaves Mirian?

Nothing until your team gives explicit consent. After consent, lenders receive the underwriting position they need to make an offer. You see what is shared before it goes.

Will checking affect our credit score?

Pre-qualification uses a soft inquiry, which has no effect on credit. A hard inquiry happens only when you accept an offer.

Free 60-minute working session

Finance and operations that run themselves. Your team approves.

Bring one recurring cycle. We show the work prepared end to end on your own data.

or write to demo@mirianai.com
MirianAI

The agentic operating system for finance and operations.

Platform

How the platform worksMirian HelixMirian PulseMirian LabsMirian Capital

Agents

Invoice-to-CashInvoice-to-PayTreasury & CashFinancial CloseReporting & Insights

Company

MARSAboutSecurityCareersContact

Resources

FAQSecurity overviewPrivacy policyTerms of service
© 2026 Mirian AI, Inc.PrivacyTermsSecurity