Plaid
PlannedBanking
Planned bank connectivity to bring balances and transactions into contract-level workflows.
Built for U.S. federal contractors
You won the contract.
Know what comes next.
Bring contract terms, costs, invoices, and cash flow into one clear view—from award to payment.
A preview of what we’re building for U.S. federal contractors.
After award
The award is only the beginning.
Delivering the work means keeping track of changing terms, upcoming costs, and payments that may arrive later than expected.
- Separate contract value from cash collected.
- Keep changes connected to the original agreement.
- See the next action for each contract.
Contracts
Product preview · Illustrative data
Active contracts
Current contract value
$500,000
Prime
Funded amount
$350,000
70%
Invoiced
$100,000
Collected
$60,000
$40,000 outstanding
| Invoice | Period | Status | Amount |
|---|---|---|---|
| INV-1042 | Aug 2026 | Partially paid | $100,000 |
Northbridge Civic Works
Next: Collect remaining $40,000 on INV-1042
Expected cost
$380,000
Estimated margin
$120,000 · 24%
Not cash
Margin stays separate from bank balance.
Sample scenario · September–October 2026
Portfolio: $1,000,000 value · $770,000 funded · $70,000 outstanding. Funded amount is contractual funding, not a loan or cash on hand.
Documents
Turn contract documents into information you can use.
Review extracted dates, amounts, and terms alongside their source. Confirm the details before they become part of your contract record.
Your review keeps the record accurate.
Explore document workflows →SC-001_MOD-0002.pdf · SC-001
Product preview · Illustrative data
Source excerpt
Modification 0002
This modification amends the Facilities Support agreement (SC-001) between the contractor and Northbridge Civic Works.
The current contract value is increased by $50,000, from $450,000 to $500,000, for additional on-site coverage through the remaining period of performance.
Payment terms remain Net 30 from invoice acceptance. Invoices must reference SC-001 and the applicable modification number.
Extracted fields
Select Payment terms to see the source paragraph. Confirming a field is a person's decision—the demo does not invent confidence scores.
Sample scenario · September–October 2026
Invoices
An invoice sent isn’t cash received.
Track preparation, submission, and collections separately. See partial payments and outstanding balances without losing the connection to the contract.
Invoice preparation does not replace submission through your customer’s required channel.
Explore invoicing →INV-1042 · Facilities Support
Product preview · Illustrative data
Invoice amount
$100,000
Collected
$60,000
Outstanding
$40,000
Expected Oct 1
Document
- Draft
- Prepared
- Submitted
Collection
- Unpaid
- Partially paid
- Paid
Partially paid
Submitted is not the same as paid. The remaining $40,000 is still open.
Sample scenario · September–October 2026
Reconciliation
One bank account. Every contract accounted for.
Connect payments to the invoices and costs they belong to—even when several contracts share the same bank account. Review suggested matches before confirming them.
- Handle partial payments.
- Split a payment across records.
- Keep a traceable history of corrections.
Shared operating account
Product preview · Illustrative data
Bank movement
ACH-22910
$10,000
Sep 18, 2026
Operating account · ··4412
Suggested match
Needs reviewMatching reference and amount
- INV-8801 · Materials$6,000
- INV-8804 · Travel$4,000
Remaining $0
Demo only—no bank connection. This $10,000 split is a separate fixture and is not added to portfolio collections.
Sample scenario · September–October 2026
Cash flow
See the cash gap before it interrupts the work.
Project expected collections and upcoming payments. Compare timing scenarios to see when your company may need additional cash.
Based on current assumptions
Explore cash flow planning →Company cash · next weeks
Product preview · Illustrative data
Projected shortfall
$15,000
Lowest balance date
Sep 29
−$15,000
Based on current assumptions
Compare with a 15-day delay: shortfall would be $35,000.
Expected balanceDelayed-payment scenario
Sample scenario · September–October 2026
Sirculus AI
Ask about the contract. See what supports the answer.
Explore contract details, understand financial reports, and prepare drafts with answers linked to the records behind them.
Illustrative answer · Based on the sample scenario
Explore Sirculus AI →Ask Sirculus
Product preview · Illustrative data
What if this payment arrives late?
Illustrative answer · Based on the sample scenario. This is not a live model.
Sample scenario · September–October 2026
Integrations
Bring your financial information together.
We’re building connections for the banking and accounting tools behind your contracts. See what’s planned and tell us what your team needs.
QuickBooks Online
PlannedAccounting
Planned accounting exports to reduce re-entry when preparing records for your accountant.
Xero
PlannedAccounting
Planned accounting exports to keep reviewed records moving into your accounting workflow.
CSV import
PlannedImports
A planned way to bring existing financial records into Sirculus when a direct connection isn’t available.
Getting started
Start with the records you already have.
01
Add your contract.
Upload the agreement or enter the essentials manually.
02
Review the details.
Confirm key terms and bring in costs, invoices, and payments.
03
Plan the next step.
See outstanding balances and explore upcoming cash needs.
Already started the work? The planned onboarding supports contracts that are already in progress.
Questions, answered plainly.
Sirculus is being built for U.S. federal contractors who need a clearer view of contract finances, collections, and upcoming cash needs.
Subcontracts are part of the planned workflow, with values and responsibilities tied to your company’s own agreement.
The planned onboarding supports a starting balance and historical records so you can begin with work already in progress.
Manual entry is part of the initial product design. Bank connectivity is planned as an additional way to bring in financial records.
Sirculus focuses on contract-level financial visibility. Accounting exports are planned to support your existing accounting workflow.
Direct lending is outside the initial scope. We’re exploring workflows to help contractors prepare information for external financing providers.
Pricing is being shaped with early users. Join early access to share your workflow and hear about availability.
Early access
Build a clearer picture of your contracts.
Help shape Sirculus for the way your team manages work, payments, and cash flow.