Every client's books, one question away.
ExpressCFO AI is ChatGPT for a fractional CFO's portfolio. It reads each client's ledger and answers with the numbers, the chart, the sources and what to do next.
7 sample clients, $31.70M combined trailing revenue, 1 flagged at risk. All synthetic.
| Client | Cash | Runway | Status |
|---|---|---|---|
| Southbound LogisticsFreight brokerage | $421K | 8.5 mo | At riskDebt service coverage below covenant |
| Copperline Coffee RoastersSpecialty coffee, wholesale + e-commerce | $109K | 5.9 mo | Watch5.9 months of cash |
| LedgerlyB2B SaaS (seed stage) | $594K | 7.5 mo | Watch7.5 months of cash |
| Harbor & Pine Restaurant GroupFull-service restaurants (3 locations) | $482K | 23.4 mo | WatchRevenue behind budget |
| Peachtree MechanicalCommercial HVAC contractor | $773K | Growing | Watch$151K over 90 days |
| Brightpath Pediatric TherapyOutpatient pediatric therapy | $1.07M | Growing | Watch$90K over 90 days |
| Lumen Med SpaMedical aesthetics | $1.10M | Growing | HealthyOn plan |
The monthly rebuild is the job nobody bills for.
A fractional CFO or outsourced accountant runs five to thirty small businesses, each in its own QuickBooks or Xero file.
Every month the same routine: log in to each file, export to a spreadsheet, rebuild the runway, receivables, covenant and lender-readiness views. By the time the picture is ready, it is a few weeks old.
The clients who most need a call are the ones you find out about last.
How it works
- Step 1
Connect the books
Link each client's QuickBooks or Xero file once. Access is read-only.
- Step 2
Ask in plain English
"Which clients need attention this week?" or "Is Lumen ready for a lender?"
- Step 3
Act on the answer
You get the numbers, a chart, the sources and the next step, reconciled to the ledger.
Four areas of advice, one place
- Cash
- Runway, burn and the weeks where the balance gets tight, for every client at once.
- Performance
- Revenue and margin against budget, with the line items that explain the gap.
- Capital
- Covenant headroom and a lender-readiness score, with the documents still missing.
- Close
- Where each client's month-end checklist stands and who is holding it up.
Built for advisory firms
A white-label product the firm runs under its own name, with the controls a client will ask about.
Your brand, not ours
Names, colors and logo come from the firm. XBS Atlanta is the first firm running it.
Read-only by default
The advisor sees the books. Nothing is posted or changed in a client's file.
An audit log you can hand over
Every question and every source behind an answer is recorded.