Float shows a founder what he can get. Now show him what he’s carrying.
A founder at €1M ARR doesn’t take one loan — he takes thirteen, each with its own rate, term and grace. Your own case studies say so: Ordorite drew thirteen times, RoomPriceGenie eleven. But the product renders all of it as a single “Drawn 35%”bar. So he keeps the real picture — what leaves each month, when each clears, whether he can take another — in a spreadsheet, or in an email to your team.
I’m Carl. I run Sunday, product design for fintech, ex-Swedbank. The concept below is Float with that gap designed out: every draw on one timeline, the heaviest month named, and headroom always answered. It’s live, just below.
See the same product when the month is easy — when it’s tight — and on a founder’s very first draw.
The concept, running
It’s live — open a draw and watch the load move as you shape it.
From one bar to the whole load.
Float’s own CTA is See what you can get— the ten minutes before a founder becomes a customer. This concept is the other half of that sentence: see what you’re carrying, the years after. Every decision below serves the founder on his eleventh draw, not his first — the part your team handles by hand today, carried by the product instead.
Four decisions, and why:
The load, not a percentage
Your product shows a founder one bar reading “Drawn 35%.” But he isn’t carrying one draw — he’s carrying thirteen, each with its own rate, term and grace. So every draw becomes a bar on one timeline, with the monthly sum beneath. The picture he kept in a spreadsheet, live.
Draw by intent, not amount
Float already writes custom terms for every draw. So the flow stops asking “how much” and starts asking “what for.” The draw carries that name for the rest of its life, and as he shapes it the new bar lands on the load in front of him — the impact visible before he signs.
The heaviest month, named
The one question a founder actually has is “can I cover this.” So the answer leads, in words: the heaviest month named, what leaves it, what’s coming in. He gets the verdict before he reads a single row.
Honest about the tight months
Float re-underwrites both ways — churn drops the line, a slow quarter runs a month short. A lending tool that only renders good news reads naive to a lender. So a month that doesn’t cover itself says so, plainly, in the same table.
Any lender can tell him what he can borrow. The one he stays with shows him what he’s carrying.
A bit about me.
I’m Carl. I run Sunday, a product-design studio for fintech. Before this, Swedbank, one of the Nordics’ largest banks. I work embedded, like part of the team, from first research to the final interface. No handoffs. We’re in Stockholm, same as you.
I built this from the outside, on your site and your own case studies — no brief, no access. Take it as a conversation-starter rather than a critique: every figure derives from one dataset so the maths survives checking, but wired to the real product, with your real customers behind it, it gets a lot sharper.
“He champions user-centered design without ever losing sight of how it drives real business outcomes. That balance is rare.”
Joackim Zwahlen — UX Lead, Swedbank
That’s the idea.
I made this because your product already won the hard argument — non-dilutive credit in days — and the next one is won on the other side of the loan: the founder who can see everything he’s carrying, and takes his next ten draws through you because of it. If it’s useful, grab 30 minutes below and I’ll walk you through where I’d take it. If not, no hard feelings — it’s yours either way.