Financial Tools
27 tools built for business owners who want financial clarity without the jargon. Filter by what you need.
AI CFO Advisor
Ask any question about your business finances. Get practical, specific advice — like having a CFO on call.
AI Advisor — which tool for which job
Overwhelmed by AI? This is not more vendor noise. A personalized, opinionated AI strategy built on the four-tool stack (Perplexity, Claude, Gemini, ChatGPT) and how to actually govern it inside a real business. For CEOs, finance leaders, ops leaders, pastors, and solo operators.
Business Health Diagnostic
15 questions across cash, margins, growth, infrastructure, and decision-making. Get your score with personalized insights.
Monthly Pulse Report
Enter your P&L and balance sheet. AI generates a plain-English report with cash position, margins, red flags, and 3 weekly actions.
13-Week Cash Flow Forecaster
Enter your numbers and see exactly where your cash is headed — with base, optimistic, and pessimistic scenarios.
Cash Flow Map
Map exactly where every dollar comes from and where it goes. Visual sources → business → uses, with cash conversion cycle, concentration risk, and AI diagnosis of your biggest leaks.
AR Aging Tracker
Enter outstanding invoices. See who owes you what, how old it is, DSO, and exactly how much cash is trapped in receivables.
Multi-Entity Cost Allocation
Own multiple LLCs? Your shared costs are probably on the wrong entity — killing your net income and DSCR. See the fix in minutes with journal entries your bookkeeper can book today.
DSCR Calculator with Add-Backs
Heading into a refi or new loan? Model owner salary, intercompany allocations, one-time items, and D&A to see base vs. adjusted DSCR. Get an AI-drafted bank narrative that underwriters will actually accept.
Bank-Ready Financial Package Builder
Heading into a loan or refi? Build the cover memo, borrower snapshot, add-back schedule, and documentation checklist an SBA or conventional underwriter expects. Pairs with the DSCR calculator and management agreement generator.
Entity Structure Optimizer
Multi-entity owners usually grow their structure by accumulation, not design. This tool reads your mix and recommends where costs, salary, real estate, IP, and debt should actually sit — with a before/after P&L snapshot and a CPA+attorney checkpoint list.
Multi-Entity Monthly Close Checklist
A guided monthly rhythm for owners who run 2+ LLCs. Tuned for multi-entity realities: allocations, mirrored intercompany journal entries, due-to / due-from reconciliation, and the consolidated view your bank actually wants. Progress saved in your browser.
Due To / Due From Tracker
Cash paid from one LLC, expense belongs to another? That's a due-to / due-from entry, not a cash transfer. Log intercompany events, get clean journal entries and a running IOU balance per entity pair — plus a plain-English explainer of cash vs. P&L.
Inter-Entity Management Agreement Generator
Moving cash or costs between your LLCs without a written agreement? That's an IRS, banking, and due-diligence risk. Answer 4 questions — AI drafts the management services agreement, fee schedule, and attorney-review checklist in one pass.
Margin Analyzer
Break down profitability by service line. Find which work makes money and which doesn't. Includes revenue mix and $/hour analysis.
Pricing Calculator
Enter job costs, set your target margin, get the right price. Never confuse margin and markup again.
Break-Even Calculator
How much revenue do you need to cover all your costs? Find your break-even with what-if scenarios.
Customer Profitability
Not all customers are equal. See who makes you money — margin, $/hour, payment terms, and hassle factor per customer.
Hiring Cost Calculator
Can you afford this hire? See the true cost including benefits, recruiting, training, and cash burn before they're productive.
Revenue Per Employee
How productive is your team? Compare to industry benchmarks. Plan headcount for your growth target.
Overhead Analyzer
12 overhead categories. See your overhead ratio, cost per employee, and a visual breakdown of where to cut first.
Debt Paydown Planner
Enter your debts. See payoff timeline, total interest, and whether to use avalanche or snowball strategy.
KPI Scorecard Builder
Pick the metrics that matter from a library of 25+ KPIs. Build a custom scorecard with targets and tracking frequency.
Owner's Monthly Review
47-item CEO checklist organized by key business driver: revenue, cost, overhead, cash, and balance sheet. Make sure the financials reflect the real business — then decide and act.
Capital Raising Navigator
Every funding path compared — SBA loans, angel investors, VC, SAFE notes, convertible debt, revenue-based financing. Dilution calculator and readiness scorecard.
Company Valuation Estimator
What is your business worth? Three valuation methods (SDE multiple, EBITDA multiple, DCF) adjusted for growth, customer concentration, and owner dependency.
ROI Calculator
Is Operational CFO worth $149/mo for YOUR business? Enter your numbers and see the personalized ROI breakdown.
QuickBooks Dashboard
Connect QuickBooks Online and get auto-generated Pulse Reports from your actual financial data. Zero data entry.
All tools are free to try. Save your work, track trends, and get monthly AI analysis with a free account.
See pricing details →