One connected workspace
Everything a shared-ownership business needs. Connected.
The Shared Ownership Core and the Business Operating System share one record, so votes, member capital, work, and money can be traced back to each other.
Shared Ownership Core
Formation, governance, and financial records.
The structural foundation of your cooperative: who owns it, how decisions are made, how surplus is shared, and which documents govern it.
Ownership Designer
Model member classes, voting rights, buy-in amounts, preferred investor classes, and lockup and exit terms. Your design feeds the Formation Studio’s bylaws draft.
- Member class builder
- Buy-in and voting rules
- Lockup and redemption terms
- Preferred investor classes
Formation Studio
Work through a formation readiness checklist, generate AI-drafted articles and bylaws, edit them, and take them to a member ratification vote before attorney review and filing.
- AI-drafted articles and bylaws
- Readiness checklist
- Ratification vote
- Formation board packet
Member Ledger
Track each member’s capital account, buy-in payments, and capital history. Invite members by email, assign module permissions, and record identity (KYC) verification status.
- Capital account ledger
- Email invitations
- Module permissions
- KYC status tracking
Governance Engine
Draft proposals, run open or anonymous ballots, delegate proxies, record meeting minutes, turn action items into tasks, and compile board packets.
- Open and anonymous ballots
- Proxy delegation
- Meeting minutes and tasks
- Board packets
Patronage Engine
Allocate surplus by patronage with a draft, accountant review, and board approval workflow built around Subchapter T concepts like qualified and non-qualified allocations, then post results to capital accounts.
- Review and approval workflow
- Qualified vs. non-qualified allocations
- Posts to capital accounts
- Form 1099-PATR data
Financial Core
A double-entry general ledger with a chart of accounts and financial statements. Connect a bank account through Plaid to import transactions for reconciliation.
- Double-entry ledger
- Balance sheet and income statement
- Plaid bank feeds
- Chart of accounts
Document Vault
Keep governing documents and archived records in one place. Sealed documents carry a SHA-256 content hash so you can tell whether they have changed.
- Central document archive
- SHA-256 sealing
- Archived records
- Audit trail
Legal Hub
Start agreements from the template library, move them through attorney and board review, sign them in the app, and keep every version.
- Template library
- Review workflow
- In-app signing
- Version history
Compliance Calendar
Track annual reports, tax deadlines, member meetings, and state filings in one calendar, and export the workspace audit log.
- Filing and tax deadlines
- Annual reports
- Governance events
- Audit log export
Capital Readiness
Prepare for a raise with an offering-prep workspace, disclosure room, use-of-funds tracking, and a control impact analyzer. Run non-investment support campaigns. OwnFold is not a broker-dealer or funding portal.
- Offering-prep workspace
- Disclosure room
- Use-of-funds tracking
- Support campaigns
AI Advisor
Ask questions about governance, patronage, and your own records. Answers draw on your workspace data and use AI credits. It is general guidance, not legal or tax advice.
- Grounded in your records
- Credit-metered
- Prompt templates
Business Operating System
Run your business, not just your bylaws.
Day-to-day operations that sit next to your ledger, patronage records, and capital accounts. Some modules depend on your plan and co-op type.
CRM & Pipeline
Track leads and customers through pipeline stages and convert won work into projects.
- Lead tracking
- Pipeline stages
- Customer records
Estimates
Build line-item estimates for customers and convert accepted estimates into projects.
- Line-item builder
- Accept and convert
- Linked to projects
Projects & Jobs
Manage projects from kickoff to completion and track budgets against logged labor and costs.
- Budget tracking
- Labor and margin view
- Status workflow
Work Orders
Create service tickets, schedule crews on the dispatch calendar, and update jobs from the Worker Console.
- Dispatch calendar
- Crew assignments
- Completion costing
Timesheets & Shifts
Clock time, schedule shifts, and approve entries. Approved hours can be used as patronage inputs.
- Time entries
- Shift scheduling
- Approvals
Invoicing
Create customer invoices and accept online card payments through Stripe. Payments post to the general ledger.
- Customer invoices
- Stripe online payments
- Ledger posting
Inventory & Procurement
Track stock with low-stock alerts, raise purchase orders (with optional member-vote approval), and consolidate co-op purchasing.
- Stock tracking
- Purchase orders
- Co-op purchasing
Expenses
Members submit expense claims, approvers review them, and approved expenses post to the ledger.
- Expense claims
- Approval workflow
- Ledger posting
Network
Connect with advisors, lenders, and other co-ops.
Advisor Marketplace
Find cooperative attorneys, accountants, and consultants, review their profiles, and send a consultation request by email.
Lender Marketplace
Find cooperative lenders such as CDFIs, credit unions, and cooperative banks, prepare loan packets, and track submissions.
Co-op Directory
Search the directory of cooperatives on OwnFold and send trade inquiries to other co-ops.
Peer Benchmarks
Compare membership, member capital, revenue, and reserves against the average of similar co-ops on OwnFold.
Built-in services
OwnFold works with a small set of trusted providers. We list only what is live today.
Stripe
Subscriptions, credit packs, and online payment of your customer invoices.
Plaid
Connect your bank account and import transactions into Financial Core.
Google Gemini
AI drafting for formation and conversion documents, and the AI Advisor.
Email
Member invitations, verification, password resets, and notices.