Fashion-Native Financial Intelligence
ModelCapital connects your Shopify, Xero, and inventory tools — and translates the numbers into clear, plain-English financial intelligence. Know your real margins. See your cash position. Make buying decisions you can actually stand behind.
Free to join — be the first to know when ModelCapital launches.
The problem
You have Shopify. You have Xero. You have a spreadsheet someone built 18 months ago. But when you need to know which products are actually making money, what your cash looks like in 10 weeks, or how much to spend on next season's buy — you're piecing it together from three platforms that don't talk to each other. Most founders never get a clear answer. They make the decision anyway.
How ModelCapital works
Your platforms are generating financial data every single day. The problem isn't that the information doesn't exist — it's that it's written in a language most founders were never taught to read.
ModelCapital connects your Shopify, Xero, and inventory systems, reads the raw data across all three, and translates it into something human: clear answers, plain-English context, and specific actions you can take this week. No financial training required.
Platform preview · Season Simulator ✦ — try it below
What you get
True gross profit margin on every SKU — in real time. Know which products are genuinely driving your business and which are quietly costing you. Stop promoting your best margins at a discount.
Monitor how quickly every product is moving through stock — week by week. Early warning signals surface before a slow-mover becomes a markdown problem. Act on data, not feel.
A rolling six-month cash position projection, updated in real time. See exactly when shortfalls are coming and why — before they arrive. The seasonal cash gap between supplier payment and customer revenue, finally visible.
Data-driven guidance for every buying window — how much to reorder, which styles to cut, where to invest — based on prior season sell-through and your actual cash position. Replace guesswork with evidence.
Compare your gross margin, inventory turn, and sell-through against anonymised benchmarks from Australian fashion brands your size. Know where you're leading — and where you're falling behind.
Every Monday morning: a short, jargon-free summary of what your numbers are saying, what risks are emerging, and the two or three actions that matter most this week. Your CFO update — without the CFO.
✦ The predictive layer — built toward from day one
Model any decision before you make it — a flash sale, a new buying order, drawing on credit. See the projected impact on cash, margin, and open-to-buy before committing. No other tool can do this, because no other tool holds your revenue, costs, and stock data at once.
After a few seasons, ModelCapital surfaces the recurring patterns in how your brand makes decisions — what they're costing or earning you. The longer you stay, the sharper it gets. Your financial memory, building every season.
Growing fashion brands face a specific problem: by the time you're big enough to need a CFO or financial controller, you're already making costly decisions without one. A dedicated finance hire costs $120,000–$280,000 per year in salary alone — before super, software, and onboarding.
ModelCapital delivers the same financial intelligence — margin analysis, cash flow forecasting, buying guidance, weekly reporting — fully integrated across your existing platforms, at a monthly subscription you can cancel any time.
How it works
Link Shopify, Xero, and your inventory tool via pre-built integrations. No IT involvement. No change to how you currently work.
The platform pulls revenue, costs, and stock data across all three sources and maps them together — for the first time.
Fashion-specific AI logic calculates real margins, forecasts cash, flags sell-through risks, and generates your buying recommendations.
Real-time dashboards. A Monday morning briefing. Specific actions you can act on — designed for a founder, not a finance team.
Read-only access · bank-grade encryption · your data is never sold or shared
Why trust ModelCapital
Built from inside the numbers.
ModelCapital is founded by a Big 4 accountant with direct experience auditing the financial operations of major global and Australian fashion brands. This is not a generalist software product guessing at how fashion works — it is built on direct experience of where the gaps are, what they cost, and what it actually takes to close them.
That experience comes from years spent inside the management accounts, margin reviews, and season-end reconciliations of real fashion brands — not abstract theory, but the day-to-day mechanics of how the numbers actually move. The result is a platform that genuinely understands what it's reading, and why it matters for your business.
Founder's audit experience spans
Validated through brand research · 2026
Join the waitlist
ModelCapital is currently in development. Join the waitlist to be the first to hear when early access opens — and to help shape the product as it's built.