What's my actual cash position today?
Cash positionBank balance is not cash position. AR, AP, payroll, and taxes live in other systems.
CFO: Reconcile the accounts you connect into a single position with obligations subtracted, refreshed daily.
Live todayCFO — built for the operator side of the table
A CFO in the room.
Without the retainer.
Fractional CFO retainers are priced for companies much larger than most of the businesses that need one. CFO is our answer: a finance agent that holds your cash position, forecast, covenants, and financing prep.
Built and ready. Setup, data access, and deployment requirements depend on your organization. For the operator workflow, see /operators.
Shipping today: the CSG-1003 standard, the REST and MCP surfaces, and the Recurser CLI — see what is actually available.
CFO · illustrative conversation
Operator:what does my runway look like?
CFO · sample response shape
Cash on hand · reserve floor · trailing net burn
Base-case runway, conservative runway, and the first week the forecast crosses your floor — each figure linked to the transactions behind it.
Then: a recommendation with its reasoning attached, and an offer to assemble a certified CSG-1003 application from the books it already reads.
The work CFO handles
Most operators need a CFO long before they can afford one.
Cash flow is the constraint that decides whether a small business survives a slow quarter — and it is the one question no dashboard answers on its own. These are the questions we hear, and how the CFO agent helps with each of them.
How long is my runway?
ForecastingMost operators know the balance, not the date the balance runs out.
CFO: Project 13 weeks ahead with scenarios (conservative / base / aggressive) and flag any week below your reserve floor.
Am I about to trip a covenant?
Covenant watchLenders rarely raise it before the breach. By then the conversation is a workout.
CFO: Track the thresholds in your agreements — DSCR, current ratio, leverage — and warn ahead of a likely trip.
Can I afford this hire?
Decision supportMargin math plus ramp time plus payroll burden, modeled while you run operations.
CFO: Run the hire against contribution margin, ramp curve, and 12-month cash impact, with the math attached.
When should I raise capital?
Financing prepFinancing costs more when you need it than when you merely want it.
CFO: Watch the trajectory, surface the inflection early, and assemble the CSG-1003 application before you need it.
What's normal for a business like mine?
BenchmarksVertical benchmarks are buried in trade reports, paywalled, or badly out of date.
CFO: Answer vertical questions against operator knowledge authored for your industry rather than generic finance advice.
Your finance specialist
An agent whose interests sit on the borrower's side.
Most of the fleet serves brokers and lenders — Intake, Processor, Underwriter, Analyst, Monitorer, Complier. CFO works for the business asking for capital instead of the institution deciding whether to give it.
Clear approval boundaries keep you in control of consequential decisions.
- Reads and advises. It drafts; you decide. Nothing is filed without approval.
- Every recommendation cites its source — a transaction, a ledger entry, a covenant clause.
- Audit-logged on the same core service that logs every other agent action.
- Speaks CSG-1003, so a financing conversation becomes a certified application without re-keying anything.
Agent · CFO
Live todayWhere the CFO agent actually stands
- Implementation
- Built and ready for financial operations, forecasting, and financing preparation.
- Deployment
- Review the published runtime version and deployment requirements in the portal. Agent readiness is separate from runtime availability.
- Data connections
- A CFO agent needs bank and accounting data to be useful, and most of those connectors are still planned.
- Configuration
- Set your reporting cadence, approval boundaries, and finance priorities with our team.
Connector-by-connector status lives on /integrations.
CFO capabilities
The finance work your agent helps you handle.
Built finance workflows, configured around your books and decision-making process. Agent workflows and independently callable platform capabilities are separate; explore the platform’s capability catalog.
Cash position
Live todayDaily position reconciled across the accounts you connect, with AR, AP, payroll, and tax obligations netted out.
Cashflow forecasting
Live today13-week direct forecast with confidence bands, scenario modeling, and reserve-floor breach alerts.
Financial health
Live todayDSCR, current and quick ratio, leverage, working capital, and customer concentration tracked against your covenant thresholds.
Hiring + margin math
Live todayModel a hire against contribution margin, ramp time, payroll burden, and 12-month cash impact.
Unit economics
Live todayCAC, LTV, gross margin, and payback period from your accounting and sales data.
Vendor + AR timing
Live todayWeekly guidance on which payables to hold and which receivables to chase.
Budget vs actual
Live todayMonthly close summary and variance analysis that surfaces the few line items off plan, not all of them.
Tax + distribution modeling
Live todayQuarterly estimate and distribution planning for pass-through entities.
Financing prep
Live todayClean books, defensible projections, a use-of-funds narrative, and pre-collected stipulations, assembled into a certified CSG-1003 package before you need capital.
Financing prep is the closest to what the platform already does: CSG-1003 certification and document packaging are built. Dispatch to a funder is not — there is no submit route, so nothing leaves the building automatically today. Lender matching is further out still: it needs a populated funder-appetite registry, and the network behind that data model does not exist. The CFO agent will not quote terms on behalf of any lender, and this page will not print rates it cannot source.
Availability + pricing
A ready agent. A setup that fits your business.
Talk through your workflow, data requirements, and deployment options.
- Agent readiness
- CFO is built and ready. Scope the finance work, permissions, and data access for your organization.
- Setup + pricing
- Setup and hosted deployment are quoted for your engagement. There is no self-serve operator plan or checkout.
- What we want from you
- Your industry, how you keep your books, and the finance question that costs you the most time. That shapes your configuration.
See how setup, subscriptions, and platform usage are priced on /pricing. A built agent does not automatically enable every connector or billing rail.
Get startedLive today
Tell us what your CFO agent should do first.
CFO is ready. Tell us about your cash questions, reporting cadence, and financing goals so we can help you configure it for your business.