The CFO questions, answered.

How much cash do we have and for how long. Who owes us. What can wait. Answered from the ledgers with the rows behind each answer; a person approves anything that acts.

Chat

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Reminders

Projects

Recent

Renewals at risk

Board pack, October

Supplier terms review

Churn post mortem

Which accounts are at risk this month, and draft the outreach.

Worked for 41s · 6 steps · $0.12

Read9 accounts renewing

Read14 open tickets

Comparedusage against the last two quarters

Drafted7 messages, held 2 for a person

Nine accounts renew inside 30 days and three of them are the ones to worry about. Their ticket volume is up while usage is falling, which is the pattern that preceded every churn last quarter.

Salesforce

Zendesk2 sources, permission aware

Message Daciel

Reads your books, bank, invoices and payables.

Every answer opens to its rows

Library

Everything the work produced, with who owns it and who can read it.

AllDocumentsSheetsFrom runs

Renewal brief, Acme

Document · Priya · Deal team

Q3 pipeline review

Sheet · Marcus · Sales

Supplier terms summary

Document · Ana · Private

Churn post mortem

Document · Marcus · Everyone

Board pack, October

Deck · Priya · Leadership

Access review

Sheet · Tom · Admins

Turn the renewal brief into an email to the deal team

Renewal brief, Acme

Chat

One composer, on every surface.

Vendor reviews

Q3 onboarding

Support desk

Website rebuild

Everything the renewal touched: the thread it started in, the artifacts it produced, and who is allowed to see them.

148 artifacts

Keep

Acme renewal

Payroll migration

Hiring: sales

Said once, kept for good

Any answer becomes an artifact, with an owner and a permission.

Slack

Gmail

Outlook

Google Drive

Notion

Salesforce

HubSpot

Zendesk

Jira

GitHub

Linear

Stripe

Zoom

Asana

Airtable

Dropbox

Box

Confluence

Intercom

Google Calendar

Monday

ClickUp

Figma

DocuSign

Trello

Slack

Gmail

Outlook

Connected from day one

The systems you already run, readable in one place.

Runs this week

RunOutcome and traceWhat it producedCost

1Renewal outreachApprovedRead the nine accounts renewing this quarter in Salesforce, compared each one's usage against the last two quarters, drafted seven messages and held two back for a person. 41s, 6 steps, $0.12...7 draftsTotal$0.12Model$0.09Tools$0.03

2Invoice chaseHeldMatched fourteen overdue invoices in Stripe against the support thread for each account, then stopped before sending: two of them are in an open dispute and the policy says a person decides...14 invoicesTotal$0.08Model$0.06Tools$0.02

3Monday briefingApprovedPulled every run from the last seven days, grouped them by workspace, and wrote the briefing into the Library with the trace attached to each claim so any line can be opened...1 briefingTotal$0.21Model$0.17Tools$0.04

4Access reviewApprovedListed every connection holding a write scope, checked each against the role that owns it, and flagged three that now outlive the person who created them. Nothing was revoked without asking...3 flaggedTotal$0.05Model$0.04Tools$0.01

Runs

Every step, every tool call, every cost, and who approved it.

The fractional CFO at 11pm on a Tuesday

A virtual CFO is a person you pay a retainer to for a call every two weeks and a pack every month. The questions come at 11pm on a Tuesday: can we hire, can we pay this, why is cash down. Daciel answers those from the ledgers as they stand, shows the rows, and drafts the action, the chase, the delay, the approval, for a person to sign. The human CFO, if you have one, gets a better pack.

Queued6+⋯

RUN-2085

Chase the 14 overdue invoices

RUN-2094

Summarise every ticket Acme opened

RUN-2092

Check which renewals slipped a quarter

RUN-2200

Rewrite the onboarding mail sequence

Planned10+⋯

RUN-2211

Renewal quote for Acme, send held

Salesforce

Priya approves

RUN-926

Renewal outreach, nine accounts

Salesforce

Gmail

RUN-2088

Weekly briefing into the Library

Slack

RUN-924

Reconcile Stripe against the tickets

Stripe

RUN-1882

Tag the inbox by account

Outlook

Running3+⋯

RUN-1487

Pull usage for the at-risk accounts

4 steps

RUN-1028

Answer the RFP security section

Confluence

RUN-2187

Flag connections holding write scope

Waiting on Priya6 steps

Done48+⋯

RUN-2074

Monday briefing, written and filed

Library$0.21

RUN-1912

Churn post mortem for Q3

$0.14

RUN-1951

Board pack pulled together

$0.31

RUN-1960

Access review, three flagged

Approved$0.05

RUN-1991

Supplier terms summarised

Thread in #renewals

Marcus Hale9:12 AM

Acme wants a renewal quote. Their contract is up in three weeks.

Ana Duarte9:12 AM

Ticket volume has climbed every month this quarter. Read that before we price it.

Marcus Hale9:13 AM

So someone pulls usage, open tickets and the last two invoices. Three systems.

Priya Raman9:14 AM

And most of an afternoon. Hand it over and hold the send until one of us reads it.

Marcus Hale9:14 AM

@Daciel draft the Acme renewal from usage and tickets, hold the send

Two things it does on day one

Answers from the ledgers

Runway, receivables ageing, payables due, margin by customer, cash by week. In words, with the rows and the query.

Get started

Conversations

7 open · 4 answered without a person

Acme CoWhere is invoice 4417?Agent

NorthwindRefund for the duplicate seatAgent

StarlightCan we move the renewal date?Held

MeridianAPI keys stopped workingWaiting

BrightlineInvoice address is wrongAgent

KestrelDo you support SSO?Agent

HalcyonExport stopped at 10k rowsWaiting

Drafts the action

Chase these four invoices, delay this bill, hold this spend. Drafted and held for the person who signs.

See receivables

Renewals

9 inside 30 days · 7 drafted, 2 held

Brightline$14kDrafted

Kestrel$9kSent

Halcyon$6kHeld

What is an AI CFO?

The search for a virtual or AI CFO returns fractional CFO firms and a few software products promising CFO-level insight from the accounting file. The firms sell a person on a retainer; the products sell dashboards.

How the AI CFO works

Connect the money

Books, bank, invoices, payables. Each connection carries its owner's permissions.

Ask

In words, from the chat or the Finance section. The answer cites rows and the query.

Runway and cash

Computed from the balance, expected receipts by customer history, and bills by due date.

Actions drafted

Chase, delay, hold: drafted from the answer and held for the named signer.

The pack

Exported for your accountant, your bank or your board, with the definitions.

Virtual CFO options, compared

Reporting tools that aim at CFO-level insight, spend platforms, and Daciel's answers from the ledgers. Compared on what you get, who acts, and the price.

	Best for	Channels	How a person stays in control	Published pricing
Fathom	Accountants and finance leads reporting and forecasting on top of the ledger	Reads Xero, QuickBooks and MYOB; reports, KPIs and forecasts	Not applicable; it reports	Per company per month by tier, published
Ramp	Companies that want cards, expenses and bill pay in one finance product	Corporate cards, expense management, AP, procurement	Approval policies on spend and bills, configured by finance	Free core; Plus per user per month, published
Bill.com	Small businesses that want AR and AP in one billing tool	Email reminders and a payment portal	Approval workflows on bills	Per user per month plus transaction fees; published on their site
Dacielthis site	Businesses that want overdue invoices chased by email and phone from the same record, with a person approving each campaign	Email, text and a phone number Daciel holds; invoices from the accounting tool you connect	Each reminder campaign approved by a named person; promises to pay filed on the invoice	Contact Daciel for business plan availability and pricing.