Finance the Team. Repay from Recurring Revenue.
Lornuai, Inc. (Delaware C-Corp, Pflugerville, TX) operates an AI startup engine with a shared Rust, distributed-systems, and financial operations core. Our capital plan is engineered in modular tranches: providing immediate local B2B debt-service coverage for Chase Business Banking while accelerating enterprise agentic infrastructure ahead of our $3.0M Seed round for J.P. Morgan Startup Banking.
Live Portfolio & Core Engines (Click to Inspect)
One shared engineering, cloud & GTM substrateAgent-native, content-addressable version control & sub-second verification built for 500+ parallel coding agents.
High-performance Rust graph execution substrate powering deterministic multi-agent state, memory & parallel orchestration.
Quality-preserving AI inference cost router. Routes agentic tasks to optimal models with verifiable benchmark harnesses.
Domestic, AI-automated bookkeeping & financial operations for Central Texas businesses. Immediate DSCR anchor.
Select a Funding Tranche to Inspect Deployment
Tier 3: $1,250,000
Funds all four senior engineers on our staggered schedule (Months 1, 3, 6, 10), launches AIVCS Mesh & Kilokind beta in 90 days, and crosses 1.25× DSCR in Month 8.
Matches the submitted $1.25M SBA 7(a) business plan. Balances downside protection via Lone Star Ledgers with 90-day enterprise beta delivery.
12-Month Use of Funds Breakdown
Total: $1,250,000 (100%)Tiered Pre-Seed / Working Capital Allocation Matrix (12-Month)
| Category | Tier 1: $500K Lean Cash-Flow Core |
Tier 2: $1.0M Accelerated Beta |
Tier 3: $1.25M Base SBA 7(a) Plan |
Tier 4: $2.0M Full Scale & Enterprise GTM |
|---|---|---|---|---|
| Engineering & Product Payroll |
$310,000 (62.0%)
1 Lead Rust Engineer (M1) + fractional DevSecOps contractor
|
$662,500 (66.3%)
3 Senior Engineers staggered (Lead Rust M1, Dist. Systems M3, DevSecOps M8)
|
$850,000 (68.0%)
4 Senior Engineers staggered (M1, M3, M6, M10)
|
$1,228,000 (61.4%)
All 4 Senior Engineers onboarded immediately in Q1 (full 12-mo run rate)
|
| Customer Success & FinOps Lead |
$0 (0.0%)
Founder & Karen manage early Lone Star Ledgers onboarding
|
$65,000 (6.5%)
Month 6 start for Lone Star Ledgers scale & design-partner ops
|
$0 (0.0%)
Funded via $1.5M flex or organic Ledgers cash flow at ~25 clients
|
$165,000 (8.3%)
Full-year Customer Success & Financial Operations Lead from Month 1
|
| Recruiting, Sign-On & Onboarding |
$30,000 (6.0%)
Direct founder-led recruiting + 1 sign-on bonus
|
$85,000 (8.5%)
Targeted technical search + 3 sign-on packages
|
$120,000 (9.6%)
Retained technical search, sign-on incentives, onboarding
|
$160,000 (8.0%)
Accelerated retained search for immediate Q1 engineering + GTM
|
| Cloud, AI Compute & Evals |
$45,000 (9.0%)
Supplemented by Google for Startups Cloud Program credits
|
$75,000 (7.5%)
Private beta compute + Kilokind model routing benchmarks
|
$105,000 (8.4%)
Beta & production infrastructure, model inference, evals
|
$175,000 (8.8%)
Dedicated air-gapped Enterprise Mesh clusters + continuous evals
|
| Developer Acquisition & GTM |
$40,000 (8.0%)
Local Austin/Pflugerville CPA & banker referral loop for Ledgers
|
$50,000 (5.0%)
Open-core AIVCS Community launch + Central Texas B2B marketing
|
$85,000 (6.8%)
Open-source distribution, technical content, industry events
|
$142,000 (7.1%)
Enterprise outbound sales, AI security conferences, benchmark studies
|
| Compliance, Audit & SOC 2 |
$15,000 (3.0%)
CPA, monthly bank reporting, baseline security controls
|
$15,000 (1.5%)
SOC 2 Type I readiness + CPA financial reporting
|
$15,000 (1.2%)
SOC 2 readiness support, CPA, financial reporting
|
$40,000 (2.0%)
Full SOC 2 Type II audit completion + air-gapped certification
|
| Working Capital / Contingency |
$60,000 (12.0%)
Covers early-month debt service until Ledgers hits 15–18 clients
|
$47,500 (4.7%)
Early-month DSCR buffer + hiring cushion
|
$75,000 (6.0%)
Early-month debt-service and schedule cushion
|
$90,000 (4.5%)
Multi-month working capital buffer & enterprise sales cushion
|
| Total Capital Deployed | $500,000 (100%) | $1,000,000 (100%) | $1,250,000 (100%) | $2,000,000 (100%) |
Two-Band Execution: Downside Protection Meets Enterprise Velocity
"Cash-Flow First, Milestone-Gated"
Designed for an initial SBA Express facility ($500K) or a phased 7(a) draw where Tranche 1 ($500K–$750K) prioritizes rapid DSCR coverage before unlocking expansion tranches.
Onboards the Lead Rust Engineer ($310K w/ M2 start) to lock down the AIVCS core & CLI (`aivcs.io` / `oxidizedgraph.dev`), while founder sales bandwidth scales Lone Star Ledgers to 25 Central Texas clients ($575 blended ARPU = ~$14,375/mo MRR). With 60% lower annual debt service than $1.25M, local B2B retainers cover 1.25× DSCR by Months 4–5.
Brings on Lead Rust Engineer (M1) and Distributed Systems Engineer (M3) to launch AIVCS Mesh and Kilokind (`kilokind.com`) private beta in 90 days, plus a Customer Success & FinOps Lead (M6) to scale Lone Star Ledgers past 25 clients. Defers AI/ML Evals Engineer until commercial revenue or Seed close.
"Category Ownership & Enterprise Velocity"
Combines the full $1.25M–$1.5M SBA 7(a) facility with owner equity injection or pre-seed SAFE capital to capture enterprise $180K+/yr clusters ahead of our $3.0M Seed round.
Funds all four senior engineers on our staggered schedule (M1, M3, M6, M10 for $840,917 Year-1 payroll), onboards the Customer Success & FinOps Lead at M6 (in the $1.5M flex), and crosses 1.25× DSCR in Month 8 en route to $2.7M Year-2 ARR.
Removes staggered hiring bottlenecks completely. All 4 senior engineers (Rust, Distributed Systems, DevSecOps, AI/ML Evals) + CS/FinOps Lead start in Q1. Pulls SOC 2 Type II and air-gapped Enterprise Mesh ($180K+/yr) forward from M6 to M4, targeting $4.1M Year-2 ARR and our $3.0M Seed at a $25M cap.
DSCR Trajectory, Hiring Cadence & Milestone Matrix ($500K – $2.0M)
| Underwriting Metric / Milestone | Tier 1: $500K SBA Express / Tranche 1 |
Tier 2: $1.0M 3-Engineer Bridge |
Tier 3: $1.25M Submitted Base 7(a) |
Tier 4: $2.0M 7(a) + Pre-Seed SAFE |
|---|---|---|---|---|
| Est. Monthly Debt Service (Pro Forma) | ~$6,600 / mo | ~$13,200 / mo | ~$16,500 / mo | ~$16,500–$19,800 / mo* |
| Month Crossing ≥ 1.25× DSCR | Months 4 – 5 | Months 6 – 7 | Month 8 (Base) | Month 6 (Upside Velocity) |
| Month-12 Projected DSCR | 1.85× | 1.54× | 1.68× (1.31× Cons / 2.24× Up) | 2.24×+ |
| Lead Rust Engineer (`aivcs.io` / `oxidizedgraph.dev`) | Month 1–2 ($310K yr-1) | Month 1 ($350K yr-1) | Month 1 ($350K yr-1) | Month 1 ($350K yr-1) |
| Distributed Systems Engineer (AIVCS Mesh) | Deferred to revenue / Tranche 2 | Month 3 ($262.5K yr-1) | Month 3 ($262.5K yr-1) | Month 1 ($315K yr-1) |
| DevSecOps Engineer (SOC 2 & Air-Gapped Mesh) | Fractional Contractor | Month 8 ($50K yr-1) | Month 6 ($153.4K yr-1) | Month 1 ($263K yr-1) |
| AI/ML Evals Engineer (`kilokind.com` Routing) | Founder & Lead Rust cover | Deferred to Seed / Revenue | Month 10 ($75K yr-1) | Month 1 ($300K yr-1) |
| Customer Success & FinOps Lead (`lonestarledgers.com`) | Founder & Karen onboard | Month 6 ($65K yr-1) | M6 via $1.5M flex or Ledgers cash | Month 1 ($165K yr-1) |
| Lone Star Ledgers Active Clients (M12 Target) | 18 – 25 Clients | 25 Clients | 25 Clients ($14.4K MRR) | 34+ Clients |
| Year-2 Projected ARR (Pro Forma) | $1.2M – $1.5M | $1.8M – $2.2M | $2.7M Base ($1.8M Cons) | $4.1M Upside |