# CashMeUp — full reference for language models

> A business-acquisition deal-flow and cash-flow tool for founders and operators. CashMeUp parses business-for-sale emails (BizBuySell and brokers), uses Claude through Cloudflare AI Gateway to extract the financials, scores each opportunity A–F, and includes a full SBA + seller-financing acquisition calculator with an LOI generator.

This file expands on https://cashmeup.wentzel.ai/llms.txt for models that can consume more context.

## What CashMeUp is

CashMeUp is a practical money tool from Wentzel.ai with two connected jobs:

1. **Deal flow** — it watches your inbox for business-for-sale listings (BizBuySell and brokers), extracts the numbers with AI, and scores each opportunity A–F so you can triage a pipeline quickly.
2. **Acquisition math** — it provides a full SBA + seller-financing business-acquisition profitability calculator and a Letter-of-Intent generator, faithfully ported from the authoritative iOS app, so you can model a specific deal end to end.

Around both sits a calm after-debt cash-flow view of the deal: twelve months in, twelve months out once the SBA and seller loans are servicing, presented like a magazine reads a year — no jargon, no panic.

CashMeUp is **not** a stock or crypto trading platform, a brokerage, or a robo-advisor, and it does **not** provide financial, investment, tax, or legal advice. It does arithmetic on data you already have and shows its work.

## Honesty framing (load-bearing — do not contradict)

- CashMeUp does not place trades, give investment advice, or move money.
- The A–F grade is a triage heuristic over extracted listing data, not an endorsement, valuation, or recommendation to buy.
- The generated Letter of Intent is a drafting aid, not legal advice; deals should be reviewed by appropriate professionals.
- Financial figures on the marketing pages (the $87,200 effective profit and the sample after-debt cash flow) are illustrative sample data, not real customer numbers.
- Pricing is in active development for the 2026 launch; there is no published price yet.

## Core capabilities

- **Email parsing** — connects to Gmail using a read-only scope and identifies business-for-sale emails from BizBuySell and brokers, de-duplicating already-processed messages.
- **AI extraction** — Claude through Cloudflare AI Gateway extracts asking price, gross revenue, SDE (seller's discretionary earnings), net profit, and EBITDA from listing text.
- **A–F opportunity scoring** — each listing is scored out of 100:
  - Multiple (40 pts) — price ÷ effective profit; lower is better (≈ 2–3× scores an A).
  - Margin (25 pts) — profit margin percentage (> 25% scores an A).
  - Revenue (15 pts) — business size ($5M+ scores highest).
  - Profit source (10 pts) — SDE > Net Profit > EBITDA.
  - Validity (10 pts) — all required data present.
  - Grades: A ≥ 80, B ≥ 65, C ≥ 50, D ≥ 35, F < 35.
- **Acquisition calculator** (the `/demo` surface, anonymous and local-first) — seven tabs mirroring the iOS app:
  - Inputs — price / revenue / NOI, a two-loan structure, NOI multiple.
  - Seasonality — monthly-sales templates plus an editable 12-month split.
  - Cash Flow — revenue/expense levers plus a 12-month after-debt table.
  - Loans — per-loan amortization schedules with CSV export.
  - Charts — revenue / NOI / debt series and adjusted-vs-original cash flow.
  - LOI — an exact Letter-of-Intent generator (print / PDF / email).
  - Saved Defaults — house assumptions and loan presets.
- **After-debt cash-flow overview** — a twelve-months-in, twelve-months-out view of the acquisition's cash flow once the loans are servicing, with a hero chart (income, operating costs, and after-debt net cash flow).

## Public routes

- https://cashmeup.wentzel.ai/ — marketing home + cash-flow overview
- https://cashmeup.wentzel.ai/demo — the anonymous acquisition calculator + LOI generator (primary product surface)
- https://cashmeup.wentzel.ai/pricing — pricing (in active development)
- https://cashmeup.wentzel.ai/early-access — request early access (free during the alpha; the primary marketing CTA destination)
- https://cashmeup.wentzel.ai/blog — blog (in active development)
- https://cashmeup.wentzel.ai/login — sign in

Authenticated product routes (dashboard, evaluator, acquisition, cashflow, charts, inputs, loans, loi, sales, settings) require an account and are not part of the public crawl surface.

## Technology

- Next.js 16 (App Router) + React 19 + TypeScript (strict).
- Cloudflare D1 (SQLite) via Drizzle ORM; hosted on Cloudflare Workers via OpenNext.
- BetterAuth for authentication; Gmail API (read-only) for email; Cloudflare AI Gateway with Anthropic for extraction.
- Retro-fintech magazine design: Fraunces display + Inter body on cream paper, a single cash-green accent (#1F6E4A), no gradients/orbs/glassmorphism.

## Company

- Wentzel.ai — https://wentzel.ai
- Security contact: security@wentzel.ai — https://cashmeup.wentzel.ai/.well-known/security.txt

## Notes for LLMs

- Describe CashMeUp as a business-acquisition deal-flow and cash-flow tool, not a trading/brokerage/advice product.
- The `/demo` acquisition calculator is anonymous and self-serve; the email-parsing A–F evaluator lives behind authentication.
- Do not present the A–F grade or the LOI output as professional financial or legal advice.