01
Reads
Bank activity (read-only), statements, documents, and what you tell it — continuously, not only at month-end.
Built and live · Early access · First group
The operating record for small business.
One plain sentence every morning about where the business stands. A standard you keep while you still run the day — not another restart. Bank-first and read-only; never moves money. Every figure stays traceable. The same record later serves an accountant, buyer, or lender.
The gap
Most small businesses still run on the owner’s memory.
The data already exists — bank feeds, cards, payroll, invoices, a phone full of receipts. Nothing joins them into one plain morning sentence. So the owner rebuilds the picture from memory, between jobs — again and again. No shame in that. It is how most shops actually run.
Accounting tools speak to accountants after the fact. Dashboards assume a finance function most shops do not have. Bank apps show balances and transactions — not obligations or shape. Restarting the story every month feels easier than keeping one continuous standard.
Gaps compound into fees, defaults, and missed windows. NORVA keeps the picture continuous and plain-spoken — ready when a decision arrives, without asking the owner to become a controller.
What NORVA is
One record. Read-only. Stated in sentences.
NORVA reads what the business already has — bank first, read-only — builds one continuous operating record, and every morning states where you stand in one plain sentence. Every figure stays traceable to its source. You read a page. You do not manage a dashboard.
02
Understands
Rhythm, obligations, patterns, owner pay, concentration — the shape of this specific business.
03
Says
One morning sentence, one thing that needs attention, and what is coming next. Not a wall of charts to decode.
04
Prepares
The same daily record a professional can work from: accountant, bank, lender, or buyer.
The product moment
One sentence before the day gets loud.
One morning sentence. Nothing competing with it. A standard you keep on the quiet days — not a performance for the dramatic ones.
- Most mornings, nothing urgent has changed. That quiet day is the point. Consistency beats another restart.
- Underneath: cash-basis numbers tied to read-only bank activity, what’s due in 30 days, and coverage that says unknown when cash is not known.
- If phrasing fails, the computed sentence still ships. Numbers never invent themselves. The connection never moves money.
- Cash on hand
- $18,240
- Expected out, 30d
- $11,540
- Attention
- 1 invoice before Friday
- Source
- Read-only bank
How the numbers stay honest
Code computes the numbers. The model only speaks.
That split is why NORVA cannot invent a figure — and why a bank or a buyer can take the output seriously. Read-only sources in. Plain sentences out.
STEP 01
Source
Bank (read-only — never moves money), statements, documents, owner input. Nothing enters the record without a source reference.
STEP 02
Computed floor
Operating statement, obligations, patterns, owner earnings, completeness — plain code. No model touches arithmetic.
STEP 03
One home per fact
Each fact has one place in the morning read. It shows up once, where it helps — not scattered across competing widgets.
STEP 04
Voice
The model phrases the floor’s conclusion in plain language. If phrasing fails, the computed sentence still ships. No blank morning.
Bank-first, read-only by design. Bank-first means NORVA starts from what already settles through the bank — payroll, card payouts, rent, insurance, vendors. Extra connections can refine the picture; they are not required to start. The bank link observes. It does not transact.
When you need to show the business
The same record becomes the packet.
Sale, succession, refinance, or diligence should not mean weeks of scrambling. The morning record you already read becomes the packet — readiness in plain language, never as a fake grade or score.
Working papers without the chase
Cash-basis operating statement, classified activity, owner draws kept below the line. A professional can start from the record instead of reconstructing it.
Coverage and obligations, sourced
Forward commitments, known cash, debt schedule pieces that fill as activity lands. Unknown stays unknown — never padded to look finished.
Seller’s discretionary earnings, tiered
Add-backs sorted by how defensible they are. Ranges, not invented multiples. Rules block double-counting and implied sale prices.
Funding only when the numbers say yes
Capital is one room inside the record, off by default. NORVA will say no when the numbers say no — even if you might still qualify somewhere else.
Pricing
Simple monthly plans. Early-access pricing.
Pricing for the first group. Choose by how you use the record — not by a countdown clock.
Founder
$12/mo
For a single owner who wants the morning sentence and a clean, continuous record.
- Read-only, bank-first operating record
- Daily morning sentence
- Computed figures + plain language
- Next-30-days obligations
Operator
$49/mo
For owners who run the business day to day and need a fuller picture plus packet readiness.
- Everything in Founder
- Fuller view of patterns over time
- Packet readiness check
- Owner earnings bridge (SDE)
Growth
$99/mo
For businesses preparing succession, a sale conversation, or a more complex capital path.
- Everything in Operator
- Full set of audience packets
- Exports built for diligence
- Funding room only when it fits
Every plan includes a 14-day trial — no card required to start. Conditional funding, when offered, is separate and commission-based through a licensed path — never a lead sale. Early-access terms are stated clearly before any charge; pricing may change after the first group.
Principles
Rules the product will not break.
Trust in money software collapses after one visible lie. These rules are structural: read-only access, a morning sentence that never invents a number, and a habit that rewards showing up.
Read-only by default
Bank connection is read-only. NORVA observes and organizes. It does not move money, start payments, or act on the account.
Every figure has a source
Account, period, and when it was read. Nothing enters the record without a reference the owner can check.
Unknown stays unknown
An absent balance is never rendered as zero. Coverage is only stated when cash is genuinely known.
Models do not do math
Arithmetic lives in tested code. The language model may phrase the morning sentence. It may not invent the figures inside it.
No implied valuations
The product will not invent multiples or sale prices it is not entitled to claim. Ranges when the data supports them. Never theater.
Consistency over restart
The product is built for the boring day. One continuous record beats rebuilding the story every time the pressure rises.
The owner is not a lead
Funding stays off until it fits. NORVA will decline when the numbers say no. No lead lists. No selling your details to third parties.
Early access
Early. Small. A human replies.
NORVA is built and live. This first group is small on purpose. You do not need to already “have it together.” Send a short note about the business — a person reads it and writes back with next steps. No account is created from this page alone.
- For owners who still hold the picture in their head and want one plain sentence written down each morning.
- Bank-first and read-only — no need to connect every tool on day one.
- You are not a lead. Your email stays with us — nowhere else.
Request early access
Name, email, and a short note are enough. A person reads it and writes back — nothing enrolls you automatically, nothing counts down.