What is AI CFO by Aprecity?

AI CFO is a financial intelligence platform built for business owners and founders. You upload your financial documents: P&L, balance sheet, cash flow statements, and the AI analyses them across 38+ specialised sections, acting as a senior CFO advisor available 24/7.

How much does AI CFO cost?

AI CFO costs $197 per month on the Growth Plan. There is a 7-day free trial with no credit card required. A fractional CFO costs $3,000–$6,000 per month. AI CFO delivers CFO-grade analysis at a fraction of that.

Is my financial data secure?

Yes. All data is encrypted in transit and at rest with AES-256. Your financial documents are stored securely in your account only. We never share or sell your data.

AI CFO by Aprecity — Financial Intelligence for Business Owners

The problem

You're not bad at finance.
You just don't have a CFO.

Scene 01

Board meeting in 4 hours. You've been in Excel since 7am. You still don't trust the revenue number.

You build the slide anyway. You present confidently because there is no other option. You hope nobody asks a follow-up question you can't answer clean.

Scene 02

Every hiring decision you've made was based on how the revenue looked, not how the cash actually moves.

Those aren't the same number. The gap between them is where the surprises live. And the surprises always come at the worst possible time.

Scene 03

You're about to raise prices. Revenue is flat, costs are up. The obvious move.

What you don't know is your gross margin by product line, which customers have the lowest tolerance for a price increase, or what a 10% churn response does to your runway. You make the call anyway. Because there's no one to ask.

Scene 04

The cash balance drops faster than you expected. You go back through the numbers trying to figure out when it started.

It started three months ago. The AR was creeping. Revenue looked fine. Nobody flagged it because nobody's job was to watch for it in between the quarterly calls.

What AI CFO tells you instantly

“Can I afford to hire a senior engineer at $180K right now?”

Your operating cash flow is plus $18.4K per month. A $180K hire adds $15K per month fully loaded. Runway moves from 8.3 to 5.1 months. At 5.1 months you're raising from a position of pressure, not strength. Close two more contracts first, or wait for Q2 to land.

What AI CFO surfaces without you asking

“Your accounts receivable just moved from 26 to 38 days.”

Revenue looks strong. Cash is arriving 8 days slower than last quarter. That's a cash flow problem hiding behind good top-line numbers. Three accounts are overdue. Action required now.

The real cost of not knowing

One bad hire. One missed cash crunch. One surprised investor call.

Founders who don't have financial clarity don't make bad decisions. They make uninformed ones. Which are worse. Because they feel right at the time.

What changes

The version of you who walks in
already knowing the answer.

There's a version of running your business where the financial picture is always clear, always current, and always available before you need it. You don't build it. It's just there. You ask questions and get real answers. You make calls because you know the math, not because you have a good feeling. That version isn't reserved for companies with CFOs. It's what you get the moment you upload your first document.

Before the meeting, not during it

Board prep goes from four hours of spreadsheet archaeology to 15 minutes reviewing what your AI CFO already built. You walk in owning every number in the room.

Decisions with the math already done

Hire vs wait. Pricing changes. Break-even. Fundraising readiness. Every decision that used to require a consultant or a Sunday now has an answer ready for you.

Problems while they're still small

Red flags and silent killers surface automatically, weeks before they become urgent. You stop finding out what went wrong. You start seeing what's about to.

What it does

38 tools. One subscription.
Zero spreadsheets.

01 · Instant Analysis

Your accountant takes 3 weeks. This takes 45 seconds.

You didn't study finance. You studied your market, your customer, your product. AI CFO handles the part you didn't sign up for and explains everything in plain language, not accounting jargon.

Analysis complete, FY2024 P&L

Processed in 38 sec · 847 data points

Revenue$8,420,000

Gross Margin52.1%, below 55% benchmark

EBITDA$892K at 10.6%

Cash Runway19.2 months, healthy

Health Score74 of 100, 3 risks flagged

02 · AI CFO Chat

The question you can finally ask someone who knows the answer.

Your AI CFO has read your entire financial picture. Ask about hiring, pricing, fundraising timing, or what's secretly compressing your margins. It doesn't send an invoice.

Can I afford to hire a senior engineer at $180K?

Your operating cash flow is plus $18.4K per month. A $180K hire adds $15K per month fully loaded. Runway drops from 8.3 to 5.1 months. At 5.1 months you are raising from pressure, not strength. Close two more contracts first, or wait for Q2 revenue to land.

Ask about your finances...

03 · Red Flags and Silent Killers

The warning signs hiding in your healthy-looking numbers.

Red flags are the acute problems. Silent Killers are worse: chronic patterns that look benign until they compound. AI CFO watches for both, flags both, and tells you exactly what you're looking at.

Vendor concentration risk

3 vendors = 58% of COGS. A single pricing move by any of them flows straight to your gross margin.

Silent Killer: AR creep

DSO grew from 26 to 38 days over two quarters. Revenue looks fine. Cash position is not.

Burn multiple trending toward 2x

You're at 1.8x and moving up. Investors want below 1.5x before your Series A conversation.

04 · QuickBooks Sync

One OAuth click. Your CFO goes live.

Connect QuickBooks with one click. Your P&L, Balance Sheet, and Cash Flow sync live and the AI reads all three simultaneously. No exports. No formatting. No wondering if the numbers are current.

QuickBooks Online

Meridian Retail · Synced 2 min ago

Connected

Syncing FY2024 data

Fetching P&L, Balance Sheet, Cash Flow...

Xero

Coming soon

Soon

PDF

PDF and CSV Upload

Any accounting software

Active

How it works

From zero to complete financial clarity
in under a minute.

Step 01

Connect your books

Link QuickBooks in one OAuth click, or upload your P&L as a PDF or CSV. Any format, any accounting software. This is the last time setup feels like work.

Step 02

The fog clears

45 seconds. Your AI CFO has read your entire financial picture and told you what matters, what's wrong, and what to watch. No jargon. No summary. The real analysis.

Step 03

Run your business differently

Ask questions. Run hiring scenarios. Generate your board report. Stop finding out what went wrong and start knowing what's coming before it does.

Real answers, not generic advice

The questions founders ask
at midnight.

Founder question

“Can I afford to hire a senior engineer at $180K right now?”

AI CFO answer

Your operating cash flow is plus $18.4K per month. A $180K hire adds $15K per month fully loaded with benefits and taxes. That moves your runway from 8.3 months to 5.1 months. At 5.1 months you are raising or cutting from a position of pressure, not strength. Close two more contracts first, or wait for Q2 revenue to land. Then hire with the math on your side.

Founder question

“We want to raise prices by 15%. What happens if we lose 10% of customers?”

AI CFO answer

At 10% churn your customer count drops from 340 to 306. Revenue impact of losing those customers is $127K annually. The 15% price increase on remaining customers adds $201K annually. Net effect is plus $74K in annual revenue with a smaller, higher-margin customer base. Your gross margin improves by 2.1 points. The math supports the move.

Founder question

“Revenue is up but cash feels tight. Why?”

AI CFO answer

Two things happening at once. Your accounts receivable days moved from 26 to 38 this quarter. Revenue is recognised but cash is not arriving on time. You have $94K sitting in outstanding invoices. Second, your inventory build last month added $67K in cash outflow that doesn't show in the P&L yet. Chase the three accounts over 30 days outstanding and your cash position improves materially within two weeks.

Founder question

“Everything looks fine. Why does something feel off?”

AI CFO answer

Three things your P&L is not showing you. Your gross margin has compressed 2.3 points over three quarters, quietly, not dramatically. Your top customer now represents 34% of total revenue, up from 21% eighteen months ago. And your operating expenses as a percentage of revenue have climbed 0.4 points per quarter for four consecutive quarters. All three become serious within six months if the trajectory holds.

Pricing

The CFO you needed but it
shouldn't cost $200,000 a year.

Your data runs on your key. Not ours.

You connect your own Claude API key once during setup. Every analysis, every chat, every report runs through your account, a few dollars a month, billed directly by Anthropic, with no markup from us.

Trial

7 days full access. No card needed.

Full access to all 38 pages

QuickBooks sync

PDF and CSV upload

AI CFO chat

5 document uploads

Unlimited AI chats

After trial: read-only access

Start free trial

Every business needs a CFO.
Yours has one. It's YOU.
At midnight. With a spreadsheet
you don't trust.

Built to feel like a premium CFO tool,
not a spreadsheet viewer.

You're not bad at finance.
You just don't have a CFO.

The version of you who walks in
already knowing the answer.

Before the meeting, not during it

Decisions with the math already done

Problems while they're still small

38 tools. One subscription.
Zero spreadsheets.

Your accountant takes 3 weeks. This takes 45 seconds.

The question you can finally ask someone who knows the answer.

The warning signs hiding in your healthy-looking numbers.

One OAuth click. Your CFO goes live.

From zero to complete financial clarity
in under a minute.

Connect your books

The fog clears

Run your business differently

The questions founders ask
at midnight.

The CFO you needed but it
shouldn't cost $200,000 a year.

Your data runs on your key. Not ours.

You built a business from nothing.
You deserve to understand every number in it.

Every business needs a CFO.Yours has one. It's YOU.At midnight. With a spreadsheetyou don't trust.

Built to feel like a premium CFO tool,not a spreadsheet viewer.

You're not bad at finance.You just don't have a CFO.

The version of you who walks inalready knowing the answer.

Before the meeting, not during it

Decisions with the math already done

Problems while they're still small

38 tools. One subscription.Zero spreadsheets.

Your accountant takes 3 weeks. This takes 45 seconds.

The question you can finally ask someone who knows the answer.

The warning signs hiding in your healthy-looking numbers.

One OAuth click. Your CFO goes live.

From zero to complete financial clarityin under a minute.

Connect your books

The fog clears

Run your business differently

The questions founders askat midnight.

The CFO you needed but itshouldn't cost $200,000 a year.

Your data runs on your key. Not ours.

You built a business from nothing.You deserve to understand every number in it.

Every business needs a CFO.
Yours has one. It's YOU.
At midnight. With a spreadsheet
you don't trust.

Built to feel like a premium CFO tool,
not a spreadsheet viewer.

You're not bad at finance.
You just don't have a CFO.

The version of you who walks in
already knowing the answer.

38 tools. One subscription.
Zero spreadsheets.

From zero to complete financial clarity
in under a minute.

The questions founders ask
at midnight.

The CFO you needed but it
shouldn't cost $200,000 a year.

You built a business from nothing.
You deserve to understand every number in it.