AI.FO

AI.FO: INDEPENDENTLY VERIFIED BEFORE PUBLICATION

The financial intelligence layer for founder-led businesses

Most businesses under $50M do not have a CFO. They have a bookkeeper and hope. AI.FO connects to QuickBooks Online (read-only), computes every number with a deterministic engine, and has a second, independent model check the narrative before you ever see it. If it cannot be verified, nothing ships.

Try the free financial health diagnosticSee pricing
Independently verified before publicationMethodology you can auditQuickBooks Online sandbox validated48 deterministic financial signals
Executive Overview
QBOSynced todayMay 2026
Cash
$612K
Cash runway
8.4 mo
Revenue
$186K
DSO
42 days
Top risks3 active
HIGHRunway compression is now the constraint to watch.
MEDCollections are slowing enough to affect cash timing.
Source trust
QuickBooks Online sandbox validatedLive source, synced today, with source freshness visible in the cockpit.

FOUNDER QUESTIONS

What needs attention?

Start on the executive cockpit, not an upload checklist or module menu.

Can I afford this?

See runway, cash, collections, and liquidity before changing hiring or spend.

Where money leaks

Spot expense concentration and recurring spend that deserves owner action.

What changed?

Read period movement, source freshness, and live-data coverage in context.

Board memo

Turn 48 deterministic financial signals into a concise narrative for stakeholders.

NEWLY ADDED SIGNALS

8 recently added signals, the latest additions to a library of 48 signals, each one independently verified before it can publish. Read what each one detects, when it fires, and where it does not apply in the signal library.

Rule of 40 ShortfallConditionalNet Revenue RetentionLabeled proxyConditionalGross Revenue RetentionLabeled proxyConditionalDebt Service Coverage Below CovenantConditionalEBITDA Margin CompressionConditionalTax Set-Aside and Trust-Fund Liability Build-UpConditionalDeferred Revenue BurnConditionalOwner-Pay SustainabilityConditional

Not every signal evaluates for every company. Which ones apply depends on the business and on what its accounting data can support; some are labeled proxies and some report as not applicable rather than guess. The library says so on each one, plainly.

WHAT MAKES IT DIFFERENT

Deterministic signals, not guesses48 deterministic financial signals, computed by rules-based code from your QuickBooks Online data. Same inputs produce the same outputs every time, and you or your accountant can check any formula.
An independent verifier has to agreeThe model that writes a brief never gets the last word. A second model, from a different family, checks every narrative in a fail-closed gate. A finding it cannot verify never reaches you.
Tamper-evident period sealingEach closed period is sealed to a verifiable snapshot. A brief you acted on last quarter still reads the same today, so the record holds up in front of a board, a bank, or an auditor.
Investor updates and runway modelingTurn the month's signals into a board-ready narrative, and model runway before you change hiring or spend, without waiting on a fractional CFO to run the numbers.

AI generation and verification status is visible on every brief. Public telemetry mirrors the committed validation artifact, so the numbers can be checked independently. See how verification works.

WHY NOW, AND WHO IT IS FOR

Founder-led businesses under $50M rarely have a CFO. They have a bookkeeper and hope, and no one whose job is to catch the cash problem before it becomes the reason the business struggles.

QuickBooks Online made the data accessible and models can finally reason over it, so the analysis a fractional CFO would run can run continuously and be verified before you trust it. AI.FO is built for the founder who owns the numbers and needs them to hold up in front of a board, a bank, or an investor.

Try the free financial health diagnosticSee pricingOpen the product demo