You see how each company you invest in or lend to is doing, with its consent: sales, estimated cash, months of cash, F29, social-security debt and alerts. And you find out the day something changes, not when they send you the report.
What matters most: credit risk analysis, valuation and portfolio management.
Never individual worker data; labor obligations and social-security debt are shown aggregated by company.
Do you run a company? See Companies · Are you an accountant? See Accountants
Three things for the investor and the bank, with SII data and each company's consent. The value is a reference range and the credit decision is the bank's.
How well a company can pay what it owes, in a report you take to your committee.
The credit decision is the bank's: MyWacc does not approve or guarantee credit.
What a company could be worth, and why, in a report in Spanish or English.
A reference range; it is not investment advice.
All your companies in one view, sorted by what needs attention.
Without the company's consent there is no data.
Each company decides what the fund or the bank sees: here is how consent works. Reference information; not investment advice.
Pick your type: the same view, with your perspective.
The founder sends you figures when he feels like it, if at all. With MyWacc you see sales and estimated cash for each startup, with an alert if cash drops or an F29 is late.
A clean F29 does not tell you whether there is cash. You see sales, F29 and the debt the SII and the Treasury publish, and cash from each borrower's bank statements.
A hundred small businesses and no up-to-date data. You see how each client is doing, with their consent, and the supporting document built with you.
Operating companies with no reporting. Your companies and holdings in a single view.
Before a small business stops paying, it leaves signals that the SII, the Treasury and Previred publish and that nobody looks at in time: a large invoice past 30 days, a deferred VAT payment, a debt with the Treasury, a social-security contribution that went unpaid. MyWacc reads them every night and tells you the day the first one appears.
A large invoice that goes past 30 days unpaid.
VAT that was filed and deferred instead of paid.
A debt with the Treasury or an unpaid social-security contribution, the day it is published.
Estimated cash falling from one month to the next, from the bank statements the company provides.
Every signal is public data or data shared with consent; what is not published, we tell you we cannot see.
In your dashboard: a sales drop, an unfiled F29, cash below two months and published social-security debt.
You invite the company, it connects its password or tax folder, MyWacc reviews it automatically and you watch it move through stages.
How each company is doing and what changed in the month, ready for your committee. See the sample.
Balance sheet and income statement, F29 with its source, credit analysis and valuation of each company, with its consent.
MyWacc signs nothing: the company or its accountant review and file.
Each credit next to what is happening at its company, and your portfolio loaded in one go.
Credits are added one at a time; what is loaded in bulk are the companies.
All your companies with their traffic light, sorted by what needs attention.
The companies you are evaluating, with their due diligence read from the SII instead of requested by email.
Your credits in a payment table, with dashboard alerts when a due date is near or a payment runs late.
Sales drop, unfiled F29, published debt, low cash: you see them in your dashboard when it happens.
Spreadsheet export and API, with Monitoring or Desk. The documented API is available for your plan from November; ask for it by email.
Industry and country analysis needs a paid plan (Monitoring or Desk). More than 200 listed companies, 3 a month free, by name. Estimated value and price; they are not investment recommendations.
A value range for each company with its assumptions in plain view, in a report in Spanish or English.
No consent from the company, no data. Each company signs; the fund only requests.
You name the company by its RUT (tax ID). You ask for no password.
The founder or the borrower signs, not the fund. The fund only requests it.
The company sees exactly what the fund sees.
One click and the fund stops seeing. If the company declines, it does not appear in your portfolio.
Sales, F29 and the social-security and tax debt that the SII and the Treasury publish. What is not published, we tell you we cannot see.
Real cash and months of cash. The company emails its bank statement to tino@mywacc.com; with no statement, we tell you we cannot see it instead of making it up.
Example: clean F29, bad cash. A company can have every F29 filed on time and almost no cash. The F29 does not show the bank balance; the bank statement does. That is why cash is estimated from statements.
Confirming there are no published debts is not the same as payments being up to date. We say it plainly.
Bank statements and cash, nothing more until they invoice. We do not invent what does not exist yet.
Data lives on Amazon servers in the US (Virginia), encrypted in transit and at rest. Sub-processors: Amazon, Google, Flow and WhatsApp. The model that reads your data is our own and runs on our own machines; your data does not go out to third-party AI providers. We have a roadmap toward ISO 27001.
In UF, net of VAT. In pesos, at the day's UF.
≈ at today's UF a month
0.2 UF (≈ at today's UF) for each additional company up to 15. From the 16th, you move to Monitoring (3 UF minimum, 0.05 UF per company). No API or Mesa. First month free with up to 3 companies.
For angels, clubs and accelerators with small portfolios.
Minimum ≈ at today's UF a month
Sales, estimated cash, months of cash and aggregated labor obligations for each company, with its consent. Screen, spreadsheet export and API included.
A portfolio of 110 companies is 5.5 UF a month (≈ at today's UF per company).
1 user; additional user 1 UF a month. Paid monthly; cancel whenever you want.
≈ at today's UF a month
A monthly analysis of your portfolio with a meeting. An analyst reviews your portfolio every month, compares it with similar companies and gives you a report with charts for your committee, exportable to spreadsheet and PDF.
For those who want to talk it through every month. Additional user 1 UF a month.
For a listed company the name is enough. Estimated value and price, no investment recommendations.
You pay: never.
Multi-site care network
It was raising capital; we showed investors three paths (stay as is, expand, or add new businesses) and the full plan was worth several times the base case, with each line added separately.
Services group in several countries
It had to explain its position to a bank; we organized its consolidated debt by country, with projected statements, balance sheet and cash flow, in a single document, version after version, until everything reconciled.
Investment manager
It had to report the current value of three portfolio companies to the regulator and to its own investors; three independent valuations using one method, to compare them on the same basis.
For confidentiality we omit names and any data that would identify the business.
For your committee and compliance team, without asking for a meeting.
Documented API: available for your plan from November; ask for it by email.
How each company is doing and what changed in the month, ready for your committee.
The data processing contract for your compliance team.
Seeing how each small business you invest in or lend to is doing, with its consent: sales and F29 from the SII, the debt the SII and the Treasury publish, and estimated cash from the bank statements the company provides. MyWacc reads it every night and tells you the day something changes. What is not published, we tell you we cannot see.
Yes. You invite the company, it connects its password or uploads its tax folder, and MyWacc reviews sales, F29, published debt and cash in stages, without requesting data by email. It is a basis for review, not an audit or an investment recommendation.
Yes, in the debt portfolio: you set the thresholds and see each month which ones are met, using what the SII publishes and the bank statements the company provides. Covenants that depend on data that is not published cannot be measured, and we say so.
A short meeting, with the documents already read.
A bank or family office with operating companies? Write to us: the per-client consent and supporting documents are built with you. contact@mywacc.com
