Skip to content
← All ideas For FAQ Pricing Honest
Hire team to build
FOR STARTUP FINANCE LEADERS

Finance leaders, model cap tables without per-stakeholder fees

Your spreadsheet cap table works until Series B, when founders ask where the real software is. Model your equity accurately in minutes, without the per-stakeholder pricing that breaks at scale.

Unlock the dossier · $5 See the build below
▶ Watch the 30-second explainer  ·  All videos
The problem

The spreadsheet holds until the round that matters

A founding team can run its cap table in a spreadsheet for a surprisingly long time. One founder owns the tab, the formulas mostly work, and nobody questions it.

Then a term sheet arrives. A new option pool gets negotiated, three SAFEs need to convert, and the same spreadsheet has to answer a question it was never built for: who actually owns what once this round closes.

That is the moment cap tables break. A misplaced pre-money assumption, a SAFE converted at the wrong cap, or an option pool sized after instead of before the round can move founder ownership by several points. The errors are quiet, they compound, and they tend to surface in a data room, which is the single most expensive place to find them.

  • Manual conversions. SAFEs and notes converted by hand, with caps and discounts easy to miss.
  • Pool timing. Option pool math done after the round instead of before, quietly diluting the founders.
  • No employee view. No clean way to show a teammate what a grant is actually worth today.
  • No audit trail. Every financing event rebuilt from scratch, with no record of what changed.
  • A tax on hiring. Per-stakeholder pricing from incumbents that climbs every time you make an offer.
How it works

From a fragile spreadsheet to a model you can trust

Four steps take you from whatever you have today to a cap table you can model, share, and defend.

Step 01

Import what you have

Bring in a spreadsheet, a Carta export, or start clean. Cap Table AI reads founders, the option pool, SAFEs, notes, and prior rounds into one structured ledger.

Step 02

Describe the next move

Say it in plain language: raise 4M at a 20M post with a 10 percent pool refresh. It converts every SAFE and note, sizes the pool, and computes fully diluted ownership.

Step 03

Run the scenarios that matter

Compare rounds side by side, model an exit waterfall with liquidation preferences, and see how each path changes founder and employee ownership.

Step 04

Share a clean view

Give the board a read-only summary, send each employee their own grant and vesting detail, and keep a record of every change for the data room.

What you get

Built for the questions a cap table actually has to answer

  • Scenario modeling. Model any priced round at any valuation and read the dilution instantly.
  • SAFE and note conversion. Post-money and pre-money instruments, valuation caps, and discounts handled automatically.
  • Exit waterfall. Non-participating and participating preferences and seniority modeled down to a per-share payout.
  • Employee equity view. Every grant, vesting schedule, and current value in one place each person can read.
  • Audit-ready records. A change log for each financing event, ready for 409A and ASC 718 work.
  • Flat pricing. Unlimited stakeholders, because charging per person you add is a tax on hiring.
Financial dashboard showing ownership and dilution charts
Read fully diluted ownership and dilution at a glance, not from a tangle of cross-referenced formulas.
Why this makes the cut

A real, repeatable, expensive problem

Cap Table AI scored 71 out of 100 on the Wishdeal Factory adoptability rubric. The pain is sharp, the buyer is obvious, and the alternative is either a fragile spreadsheet or an incumbent that bills by the stakeholder.

Sharp, recurring pain

Every financing event, new-hire grant, and board meeting forces the same question, and getting it wrong is costly in the room where it matters most.

An obvious buyer

Founders, fractional CFOs, and finance leads from seed through Series B already own this problem and already pay for tools around it.

A pricing wedge

Incumbents charge by the stakeholder. A flat model that does not punish hiring is a clear, concrete reason to switch.

Illustrative example

Raise 4M on a 20M post-money valuation with a 10 percent post-round option pool. Sized correctly before the round, the pool dilutes everyone; sized after, it comes almost entirely out of the founders. On a 20M post that single timing choice is worth roughly two points of founder ownership. Cap Table AI shows that gap before you sign, not after.

See how we score every idea →

Pricing

Flat by design

The product is built around flat pricing with unlimited stakeholders. Below is how you can engage with this build today.

$5

Unlock the dossier

The full build dossier: positioning, the financial model, go-to-market, and the working concept behind Cap Table AI.

Unlock the dossier
Build it  with the Factory team

Ship the product

Want the product itself rather than the brief? The Wishdeal Factory operator team can build and ship it with you.

Hire the team

The product itself is designed for flat pricing with unlimited stakeholders. No per-seat tax for growing your team, ever.

Questions

Answers before you ask

How is this different from Carta or Pulley?

Two ways. Pricing: a flat model with unlimited stakeholders instead of a bill that grows with every person you add. Emphasis: modeling first. It is designed to answer the what-if before a round, not only to store the record after it.

Can it handle SAFEs and convertible notes?

Yes. Post-money and pre-money SAFEs, valuation caps, discounts, and note interest all convert at the next priced round automatically, so you see the diluted outcome before you commit.

Is it accurate enough to use for a real round?

It is built to be audit-ready and to mirror standard conversion and waterfall mechanics. It does not replace your counsel or accountant. Use it to model and prepare, then confirm the final numbers with your advisors.

Who is it for?

Founders, fractional CFOs, and finance leads at venture-backed companies from seed through Series B, plus the operators who help them get financing-ready.

Is this live today?

Cap Table AI is a Wishdeal Factory concept dossier. You can unlock the full dossier for 5 dollars, or hire the Factory team to build the product itself.

See the model before you sign the term sheet

Know exactly what each path does to founder and employee ownership, with the math you can defend in the data room.

Unlock the dossier · $5 Hire the team to build it
A Wishdeal Factory build. Browse all ideas · How we score
Hire the team to build it
Resources for this product
  • FAQ
  • Email drip
  • Outreach pack
  • Skeptic memos (2)
Who this is for
  • B2B operators looking for productized point-solutions, agency owners reselling to clients
  • anyone with an existing audience or customer list to put this in front of
Who this is NOT for
  • Pure consumer apps, anyone needing custom enterprise contracts, hardware-first products
What you'd actually adopt

shippable in 4 to 6 weeks. Year-1 ARR mid-case around $72K (estimate). Investment to production around $38K. probability of meaningful success around 9%, by Fermi heuristics.

Adoptability 72/100 Estimates only What you should expect →

More ideas like this one

All in general saas →

Afterhours

81

The night desk for service businesses. Pick up the lead before it picks somebody else.

Yr1 $$-17K (est)

Demand Gen AI

81

More pipeline. Less guesswork.

Yr1 $$-19K (est)

Signal Digest

80

Know which clients are heating up before your competitors do.

Yr1 $$-12K (est)

Compare side by side →

Share this idea

Help the right operator find this. We don't get inbound any other way.

Tweet Share
Adopt this idea

Browse free. Unlock for $5. Adopt for $99. Operate with us, custom.

Browse
Free

Everything on this page. The brand, the score, the Fermi math, the audio pitch.

You're here.
Most popular
Unlock the dossier
$5

ICP, MVP scope, first 7 build tasks, 30/60/90 launch plan, GTM, email drip, LinkedIn message, objections, risk memo.

Unlock dossier
Adopt the build
$99 - $199

Dossier plus the working code starter, brand assets, copy library, and outreach pack.

See adopt scope
Operator partnership
Custom

Hire the team that built this to install, customize, and run launch with you.

See scope
Estimates only · no live customer revenue claimed · read our honest page

How honest is this idea, really?

The Wishdeal Factory scores every idea against 10 Adoptability axes, separate from raw quality. Here are the numbers we surface for this one.

72/100Adoptability
$-32,000Year-1 take-home (Fermi)
1 in 11Meaningful-success odds (Fermi)
Honest disclosure: we don't have live customers on this idea yet. We shipped the strategy package; you ship the customer conversations. The dossier maps a realistic path; whether it works is up to you, your taste, and your distribution. More on honest expectations →
Strongest axes
• buyer clarity: 10/10
• credibility: 10/10
• pain intensity: 8/10
Concerns to know about
• financial upside: 1/10
• market openness: 4/10
Last refreshed 2026-07-01 · How scoring works