EDMONTON, AB — April 5, 2026 — Napkin Deals, the AI-powered deal marketplace, today announced the launch of CapitalOS, the company's institutional capital operating system. CapitalOS scores deals across 23 capital categories and more than 200 financing structures, delivering full capital match reports — including capital stack recommendations and automated underwriting memos — to institutional clients in under 60 seconds. The product is available immediately to qualified capital providers through the Napkin Deals institutional platform.
CapitalOS addresses a structural inefficiency in how businesses seeking capital are matched to the institutions that deploy it. Today, a mid-market company pursuing a growth acquisition or recapitalization may engage a single investment bank that covers a narrow slice of the capital universe — typically senior debt and PE equity. CapitalOS eliminates that constraint by mapping every qualifying deal against the full spectrum of institutional capital, from commercial bank term loans and mezzanine tranches to revenue-based financing, asset-backed lending, structured credit, and sovereign fund co-investment programs.
The Capital Match Engine
At its core, CapitalOS operates as a match engine. When a deal enters the system — whether originated through Napkin Deals' marketplace, submitted by an advisory client, or uploaded via the institutional API — the engine ingests the company's financial profile, industry vertical, geographic footprint, and transaction parameters. It then scores the deal against each of the 23 capital categories, producing a ranked list of viable financing structures with probability-weighted match scores. The entire process, from intake to scored output, completes in under 60 seconds.
The match engine evaluates more than 200 discrete financing structures across the capital spectrum. For a single deal, the system might simultaneously assess a senior secured term loan, a unitranche facility, an LBO structure with rollover equity, a preferred equity co-invest alongside a family office, a revenue-based financing arrangement, and a structured mezzanine note with warrant coverage — ranking each by feasibility, cost of capital, and alignment with the borrower's objectives. The output is not a static list but a dynamic capital stack recommendation that specifies the optimal blend of senior debt, mezzanine, and equity for the given transaction.
From Intake to Intelligence
Beyond matching, CapitalOS generates automated underwriting memos for each recommended capital source. These memos synthesize the deal's financial metrics — EBITDA, revenue trajectory, leverage ratios, debt service coverage, and IRR projections — into institution-ready documents formatted to the standards expected by each capital category. A memo directed to a commercial bank emphasizes cash flow stability and collateral coverage. A memo directed to a PE firm emphasizes value creation levers and exit multiples. A memo directed to a family office emphasizes alignment with the family's sector thesis and co-investment preferences. Each is generated automatically and can be reviewed, edited, and distributed by the deal team within minutes.
The system also performs automated due diligence gap analysis, flagging missing documents, incomplete financials, or data inconsistencies that would delay institutional review. This pre-screening layer ensures that deals reaching capital providers have already cleared the threshold requirements that typically cause weeks of back-and-forth between borrowers and lenders.
23 Capital Categories
CapitalOS maps the institutional capital landscape into 23 distinct categories: private equity, private credit, family offices, venture capital, commercial banks, asset-based lending, revenue-based financing, venture debt, mezzanine financing, corporate bonds, structured finance, real estate capital, equipment finance, trade finance, sovereign wealth funds, insurance company capital, pension fund direct lending, business development companies, SBIC funds, hedge fund credit, specialty finance, government lending programs, and AUM-weighted fund-of-funds. Each category carries its own underwriting criteria, structural preferences, return thresholds, and documentation requirements — all of which are encoded in the match engine's scoring algorithms.
This breadth of coverage is particularly valuable for M&A transactions, recapitalizations, and growth financings where the optimal capital structure may blend instruments from multiple categories. A $30 million acquisition, for example, might be best served by a $18 million senior term loan from a commercial bank, a $6 million mezzanine tranche from a BDC, and $6 million in equity from a PE co-invest — a structure that no single capital provider would offer independently but that CapitalOS can identify and recommend in seconds.
What CapitalOS Delivers
For institutional capital providers — GPs, credit funds, family offices, and lending platforms — CapitalOS provides a continuously updated pipeline of pre-scored deals matched to their specific deployment mandates. Capital providers profile their investment criteria (sector, geography, deal size, structure preferences, return thresholds) and receive only the deals that meet their parameters, each accompanied by an underwriting memo formatted to their standards. This eliminates the overhead of reviewing unqualified deal flow and reduces the time from introduction to term sheet.
For deal originators and advisory clients, CapitalOS transforms the capital raising process from a sequential, relationship-dependent exercise into a systematic, data-driven workflow. Instead of calling three banks and two PE firms, an advisor can run a deal through CapitalOS and receive a complete map of every viable capital source — scored, ranked, and documented — before making a single outreach call.
"Capital markets are fragmented by design. Banks see debt. PE firms see equity. Family offices see co-invests. Nobody sees the full picture simultaneously. CapitalOS does. It scores a deal against every relevant capital category in under a minute, builds the optimal capital stack, and generates the underwriting memos that each institution needs to move forward. We built it because the matching problem in capital markets is fundamentally a data problem — and data problems are what AI solves best."
— Matthew Liberto, Founder & CEO, Napkin Deals
About Napkin Deals
Napkin Deals is an AI-powered deal marketplace headquartered in Edmonton, Alberta with operations across Canada and the United States. The platform currently has 3,600+ qualified deals representing over $6.4B in enterprise value and is growing rapidly as new deals get listed and accounts are created for buyers, sellers, lenders, banks, and institutional clients from around the world. Napkin Deals expects tens of thousands of deals in the short term and operates with a hybrid workforce of human professionals and AI employees governed by its published AI Hiring Doctrine.
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