The AI-Powered Cash Flow & Business Intelligence Platform
Know exactly where your cash stands 13 weeks out. See what labor is doing to your margins. Make decisions from one source of truth — not six.
No credit card required. 14-day free trial.
The 3 Biggest Problems Killing Business Profitability
Most growing businesses aren't failing — they're flying blind. This is what Cash Flow Optimizer was built to fix.
You don't know where your cash will be in 60 days — until it's too late.
Cash flow problems don't announce themselves. CFO's customizable forecasting engine spots them weeks out — so you act from a position of strength, not panic.
Your data lives in 5+ different tools. Nobody sees the full picture.
Fragmented data means fragmented decisions. CFO pulls your CRM, financials, and operations into one integrated intelligence layer — so your whole team works from the same truth.
Labor is your biggest expense. Are you guessing at the profit?
The gap between what you think labor costs and what it actually costs is where margin disappears. CFO tracks labor COGS in real time — by job, client, and week — so you stop bleeding cash.
Everything You Need to Run Your Business
Stop duct-taping spreadsheets, CRMs, and accounting tools together. Cash Flow Optimizer unifies every contact, invoice, hire, and KPI into one platform for complete visibility — so you can make smarter decisions, faster, and scale with confidence.
Get Paid Faster. Chase Less.
Automate invoicing, payment reminders, and collections follow-up so cash hits your account 37% faster — without your team lifting a finger.
- A/R Optimizer with AI-powered collections insights
- Smart payment reminder sequences
- AR aging dashboard with at-risk alerts
This feature is currently in development and will be available soon.
Board-Ready Reports. One Click.
Generate P&L statements, cash flow reports, and custom board decks instantly — from live data, not manual spreadsheet builds.
- GAAP-aligned financial statements
- Custom report builder for any audience
- Scheduled delivery to stakeholders
An AI Analyst on Staff, 24/7.
CFO watches every transaction, invoice, and KPI for patterns a human would miss — then explains them in plain English with a one-click action.
- Anomaly detection on spend & revenue
- Root-cause analysis on margin shifts
- Plain-language monthly board commentary
This feature is currently in development and will be available soon.
Your Books. Done by AI. Reviewed by You.
AI Bookkeeping will automatically categorize transactions, reconcile accounts, and maintain accurate books — all connected directly to your QuickBooks and cash flow data. You review and approve. The AI does the heavy lifting.
- Automated transaction categorization
- Account reconciliation and error flagging
- Seamless sync with cash flow forecasting
This feature is currently in development and will be available soon.
One Source of Truth. Across Every Department.
CFO comes with a built-in CRM that outperforms standalone tools — and connects your accounting software, payroll, and ops data into a single intelligence layer so every decision is backed by the full picture.
- Built-in CRM — no third-party tool needed
- Connects directly to your QuickBooks
- Real-time sync — no manual exports
Everyone Sees the Same Numbers.
Customizable KPI dashboards for every department — so leadership, finance, and ops are always aligned and working toward the same goals.
- Drag-and-drop dashboard builder
- Department-level and company-wide views
- Goal tracking with variance alerts
Strategy Doesn't Execute Itself.
Keep your team aligned on what matters. Assign tasks, track progress, and connect execution back to business outcomes — all inside CFO.
- Task assignment with due dates and owners
- Project timelines linked to financial goals
- Priority filters and completion tracking
Manage the Work You Do For Clients — Not Just the Business Around It.
While Task & Project Management keeps you working on the business, Transaction Management keeps you working in it. Manage every client-facing transaction, service delivery, booking, and communication in one streamlined workflow — all tied back to your revenue and cash flow.
- Customizable workflows per service or client type
- Service catalog with built-in pricing and scopes
- Calendar booking for appointments and deliverables
- Internal communications tied to each transaction
Your Pipeline. Your Revenue. One View.
Manage leads from first contact to closed deal, track marketing performance, and see exactly how your pipeline translates to cash — without switching tools.
- Visual sales pipeline with deal tracking
- Social media planning and scheduling
- Revenue attribution tied to cash flow
Close Bigger Deals. Faster.
Equip your team with strategic assessments, evaluation matrices, and business development tools that turn prospects into profitable long-term clients.
- Deal scoring and opportunity prioritization
- Strategic assessment frameworks
- Win/loss analysis tied to profit impact
180+ Proven Ways to Improve Your Profitability.
The Profit Optimizer is a curated library of over 180 specific, actionable tasks a business can implement over time to systematically improve margins, reduce waste, and accelerate growth. Ideal for startups and owners planning an exit.
- 180+ profit-improving actions, prioritized by impact
- Scenario-based profitability calculator
- Business development prioritization survey
Hire Smarter. Onboard Faster. Retain Longer.
Track every candidate from first contact to day one — and every team member from onboarding through offboarding. Every people decision connects back to your labor costs and bottom line.
- Candidate tracking and pipeline management
- Structured onboarding and offboarding workflows
- Labor cost impact modeling per new hire
Know Who's Moving the Needle — and Who Isn't.
Structured performance review tracking tied to business goals. Connect individual output to team KPIs and financial outcomes so reviews are data-driven, not subjective.
- Performance review templates and tracking
- Goal alignment across individuals and teams
- Commissions and bonuses tracker
Build a Team People Want to Stay On.
A healthy culture isn't soft — it reduces turnover, increases productivity, and directly improves your bottom line. CFO gives you the tools to measure, track, and actively build it.
- Company and organization directory
- Culture and morale tracking tools
- Internal surveys and team pulse checks
Build the Processes That Scale With You.
Create SOPs, training materials, and learning paths that onboard new team members faster and protect your business from key-person dependency.
- SOP creation and management tools
- Learning and development process builder
- Business guides and knowledge base
Turn HR Data Into a Competitive Advantage.
Most businesses treat HR as overhead. CFO treats it as a profit lever. Track the metrics that connect your people decisions to financial outcomes — and optimize accordingly.
- HR analytics dashboard with financial impact
- Cost-per-hire and retention rate tracking
- HR optimizer with actionable recommendations
See Threats Before They Cost You.
The Risk Mitigation workflow draws from the same playbook a full-time CFO would implement — identifying exposure across cash flow, clients, operations, and compliance before it becomes a crisis.
- Risk scoring across clients, vendors, and operations
- Cash runway and burn rate alert system
- CFO-level mitigation playbooks with recommended actions
A Foundational Work Plan Built for Growth — and for Exit.
Whether you're a startup building your foundation or an owner planning to sell, CFO's business planning suite gives you the structure, tools, and strategic roadmap to get there.
- Business plan generator with financial projections
- Business model builder and canvas tools
- Raising capital tools and investor-ready outputs
- Business valuation calculator
The Financial Toolkit Every Business Owner Needs.
A suite of purpose-built financial calculators and trackers that give you the numbers you need to make smarter decisions — from startup costs to tax optimization.
- Startup budget and forecast builder
- R&D Tax Credit and uniform deduction calculators
- Commissions, bonuses, and mileage log tracker
- Inventory and equipment tracker
Know If Your Strategy Is Actually Working.
Monitor and optimize your profit-generating activities with detailed analytics — so you know which strategic initiatives are moving the needle and which ones aren't.
- Strategic initiative tracking with ROI metrics
- Team meeting tracker and agenda builder
- Internal surveys and business guides
- Quarter-over-quarter performance trends
Trusted by businesses across professional services,
trades, and e-commerce alike.
Accurate Cash Flow Forecasting. No Surprises.
By the time a shortfall hits your bank account, your options are already limited. CFO's forecasting engine pulls in every variable that moves your cash — AR aging, AP schedules, payroll, pipeline, and custom scenarios you define — delivering a forecast that's accurate, fully customizable, and easy to act on.
- Catch shortfalls before they become crises
- Model hiring, raises, and new launches risk-free
- GAAP-aligned forecasts that update every night
An AI analyst on staff, 24/7.
Cash Flow Optimizer watches every transaction, invoice, and KPI for patterns a human would miss — then explains them in plain English with a one-click action.
- Anomaly detection on spend & revenue
- Root-cause analysis on margin shifts
- Plain-language monthly board commentary
Stop Guessing Labor Costs. Real-Time Tracking That Protects Your Margins.
Labor is typically your #1 expense — yet most owners are still estimating it. CFO tracks labor COGS in real time, ties it to revenue by job or client, and shows exactly how your team's hours impact profitability before the month closes.
- Real-time labor cost vs. revenue by job, project, or client
- Identify which jobs and clients are actually profitable
- Model the P&L impact of every hire before you make it
- Stop bleeding cash from underpriced or overstaffed jobs
How It Works
From scattered data to strategic execution in three simple steps.
Connect Your Data
Integrate your existing tools, bank accounts, and CRMs in minutes. We handle the complex data mapping automatically.
Get AI Insights
Our intelligence engine analyzes your operations, identifying cash flow gaps, margin leaks, and growth opportunities.
Grow With Confidence
Execute on data-backed recommendations, track your KPIs, and scale your business with complete visibility.
Simple, Transparent Plans
Start free, scale when you're ready. No hidden fees. Cancel anytime.
- Basic profitability tracking
- Essential business assessments
- Business development tools
- Resource Hub
- Email support
- 1 Admin + 4 User Accounts
- All business evaluation tools
- Unlimited checklist items
- Priority support
- Custom integrations
- Team collaboration tools
- Everything in Growth
- Additional to Unlimited Users
- Dedicated account manager
- Custom feature development
- ACH payment option
Frequently Asked Questions
Everything you need to know about Cash Flow Optimizer — answered directly.
Cash Flow Optimizer is an AI-powered business intelligence platform that replaces disconnected spreadsheets, CRMs, and accounting tools with a single operating system. It unifies cash flow forecasting, accounts receivable, financial reporting, CRM, and team management — giving every department a real-time view of the business.
Our forecasting engine blends your AR, AP, payroll, and pipeline data to generate a rolling 13-week cash flow projection — updated every night. You can model scenarios for hiring plans, price changes, and new product launches, and receive variance alerts when actuals drift from your plan. Forecasts are direct-method and GAAP-aligned.
Yes — three plans are available. Starter at $99/month for single users, Growth at $299/month for teams up to 5 users, and Enterprise with custom pricing for larger organizations. All plans include a free 14-day trial — no credit card required.
Yes. Cash Flow Optimizer connects directly to QuickBooks and your existing data sources in minutes. The platform includes a built-in CRM so there is no need for an external CRM tool. Growth and Enterprise plans include additional custom integrations.
Cash Flow Optimizer is used by businesses across professional services, trades, and e-commerce. If your business tracks invoices, manages a team, or needs visibility into cash flow and profitability, the platform is built for you.
Quickly — most teams are fully operational within one business day. Connect your data sources, invite your team, and your dashboard is live with no implementation consultants required. Start your free 14-day trial with no credit card required.
Ready to Stop Guessing and Start Growing?
No credit card required. Free 14-day trial. Cancel anytime.