Cash flow, planning, reporting and 30+ integrations — for $149/mo, not $5,000.
The AI alternative to a virtual or fractional CFO.
You're on the list.
You're on the list. Watch for a founder update soon.
⚡ 53 / 100 spots left at $49/mo
[See It in Action]
Real product, real data, no demo magic. Below is a snapshot from the closed beta.
[Why thing.]
Most SMBs can't afford a full-time CFO. Fractional is expensive, inconsistent, and always working from last month's data. We rebuilt the job in software.
[Why Now]
In March 2026, Mastercard launched its Virtual C-Suite — putting "virtual CFO for SMB" in front of every Fortune-listed publication. The vocabulary went mainstream in a week.
The opportunity for an independent, AI-native, SMB-owned alternative is open for the next 6 months. Bank-distributed C-suite tools default to the bank's customers. We don't.
"The fastest-growing category in business software right now is the one that didn't exist 18 months ago: AI agents that do the job, not just summarize the data." — Industry analyst, April 2026
[What thing. Does]
Not a chatbot wrapper. A system that ingests your real financial data, models your business, and tells you what to do next.
Live 90-day runway forecasts based on your actual transaction data. Get alerts before cash gets tight — not after.
Set targets, track variance, and know exactly where you're over or under — automatically updated every day.
Board-ready balance sheet, and cash flow statements generated in seconds. Share with investors, accountants, or lenders.
Xero, QuickBooks, Stripe, Plaid, Shopify, Gusto and 24 more. Setup takes minutes — no spreadsheet imports, ever.
Ask anything in plain English. "What's burning the most cash?" or "Can I afford to hire in Q3?" — answered instantly with the math shown.
Model hires, price changes, fundraises, and what-ifs in seconds. See the cash impact before you commit.
[Built for Your Industry]
Industry-aware dashboards, benchmarks, and templates from day one.
MRR, ARR, churn, runway, LTV/CAC, board-ready reports.
Billable utilization, project profitability, retainer health.
Shopify + Stripe COGS, channel margin, order economics.
Daily cash position, food cost variance, prime-cost ratio.
Job costing, AR aging, retention tracking.
Utilization vs realization, time-to-cash, billing.
[Integrations]
Setup takes minutes. We pull data, you stop pulling spreadsheets.
[/experts Network]
For the 20% of finance work that genuinely needs a human, we vet and connect you to fractional CFOs on demand.
Software handles 80% of CFO work better than any human — cash flow, KPIs, scenarios, reporting. But there are situations where a human is still the right answer.
For all of those, you'll find a vetted, hourly fractional CFO inside the app — no retainer, no minimum, no awkward referrals. They see your data with one click of read-only access.
[Roadmap]
Building in public. Subscribers get founder updates every two weeks.
[A Note from the Founders]
For ten years between us, we watched small businesses go under because they couldn't see what was happening to their cash until it was too late. The financial intelligence that lets a Fortune 500 company make decisions in real time is locked behind $5K/month consultants and seven-figure ERPs.
That math doesn't work for a 10-person business. But the technology to fix it finally exists. So we're building it — together.
Gohar & Mane
Co-founders, [thing.] · Yerevan,
Armenia
[FAQ]
An AI CFO is software that performs the core duties of a Chief Financial Officer — cash flow forecasting, budgeting, scenario planning, monthly reporting, KPI tracking — without you hiring a human. [thing.] is the AI CFO for small and medium business: $149/mo instead of the $3,000–$8,000 a fractional CFO charges.
A fractional CFO is a part-time consultant — typically $3K–$8K/month for 4–8 hours of attention per week. They go on holiday. They have bigger clients. They work from last month's exports. [thing.] is software: always on, always connected to live data, no hourly billing, no availability gaps. For the 20% of situations that genuinely need a human (M&A, board prep, fundraising), the /experts network connects you to vetted fractional CFOs on demand.
Public launch is June 2026. We're currently in closed beta with 20 design partners on Xero + Stripe. Waitlist members receive founder updates every two weeks and the first 100 lock in $49/month for life — half the public price.
30+ integrations at launch including Xero, QuickBooks, Stripe, Plaid, HubSpot, Mercury, Brex, Ramp, Wise, Revolut Business, Shopify, Gusto, Rippling, Notion and Slack. Currently live on Xero and Stripe in beta. Waitlist members can vote on integration priority.
Yes. AES-256 encryption at rest, TLS 1.3 in transit, read-only API connections wherever possible. EU + US data residency options so your data never leaves your jurisdiction. SOC 2 Type II audit in progress for Q3 2026. We never sell or share your financial data.
Yes. [thing.] replaces the strategic / advisory layer of a CFO, not the bookkeeping or tax-filing layer of an accountant. We integrate with Xero and QuickBooks rather than replace them, and the cleaner your books, the sharper our forecasts. For tax filing, you still need your accountant or a service like Pilot.
Sweet spot is 5–50 employees doing $250K–$15M in annual revenue. Below 5 people, a spreadsheet still works. Above $25M, a full-time controller plus [thing.] is the configuration. Industry-agnostic, but our SaaS, agency, e-commerce and professional-services dashboards are the most polished.
Yes, anytime, in CSV or JSON, no export fees, no lock-in. Cancel from inside the app, your data is downloadable for 90 days after cancellation. We're operating on the assumption that the best retention is no retention pressure.
Yes. The first 100 waitlist subscribers lock in $49/month for life — half the public $149 price. Subscribers 101–500 get 6 months at $49/mo, then standard pricing. Refer 3 friends and you skip the line, regardless of where you joined.
[Join the Waitlist]
Founder updates every two weeks. Early access in June. $49/mo for life, for the first 100.
You're on the list. Watch for a founder update soon.
No spam. Unsubscribe with one click.
[Beta Testers]
What our 20 design partners
actually say
OK so I was sceptical — I've tried three of these. But the moment it caught a $3K Stripe fee my accountant had been missing for months, I shut up. We're 5 weeks in and I check the dashboard before standup every morning. The "can I afford to hire" thing is honestly wild — used to take my fractional CFO 2 days, now it's like 4 seconds and the math is shown.
Look, I'm not the finance person — that's why I had a fractional CFO at $4K/mo with 3-day response times. [thing.] caught a project that was actually losing us money in the first week, my CFO had been telling me it was fine. I cancelled the contract. Controversial maybe, but my cash is healthier than it's been in years and I sleep better.
Connected my systems in like 8 minutes. The AI immediately flagged that our channel margin was off because returns weren't being categorised right. That one fix added $2,400/mo to our actual margin. For $99 I'd have paid five grand to a consultant just to find that out.
Honest review since you asked: it's beta and there's bugs. The integrations setup tripped me up and I had to email Gohar twice. She answered in under 20 minutes both times and the actual product? Smarter than the last fractional CFO I had — and I've had three. That's the truth.