ExpressCFO AI
ChatGPT for a fractional CFO's portfolio.
Investor overview. First tenant: XBS Express Business Solutions. Demo data is synthetic.
Advisors rebuild the same view for every client, every month
A fractional CFO runs five to thirty small businesses, each in its own QuickBooks or Xero file. The monthly routine is manual: log in, export, rebuild runway, receivables, covenants and lender readiness in a spreadsheet.
The picture is weeks old when it lands, and the client who needs a call this week is the one found last.
Why now
AI that reconciles to the ledger
Assistants can now call real calculations over structured books and show their sources, instead of guessing from memory.
The fractional model keeps spreading
Hypothesis: more small businesses are choosing part-time finance leadership over a full-time hire. To be tested with design-partner firms.
Lenders want cleaner packets
Hypothesis: lender-readiness is a recurring need that advisors currently assemble by hand.
Market claims on this slide are hypotheses, not measured figures.
One book, every client, ranked by who needs you
The advisor asks a question. The answer arrives with the numbers, a chart, the sources and a next step.
Preview is the live demo view. Synthetic data, fictional companies.
| 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 |
How it works
Connect the books
Link each client's QuickBooks or Xero file once, read-only.
Ask in plain English
Questions across one client or the whole book.
Act on the answer
Numbers, chart, sources and the next step, reconciled to the ledger.
Business model (pricing hypothesis)
$149
per advisor per month
$12
per connected client per month
White-label tier
The firm's own brand, domain and audit log. Pricing to be set with design partners.
Worked example: a firm with 3 advisors and 40 clients pays $447 + $480 = $927 per month.
These prices are a starting hypothesis to test, not a quoted rate.
Go to market
Start with a design partner
XBS Express Business Solutions brings its own advisory book and network, and shapes the product as the first tenant.
Then other fractional-CFO firms
Firms that already sell monthly advisory and feel the rebuild cost most.
Grow through the advisor
Each advisor adds clients. Each client connected makes the next answer better.
Competition
Spreadsheets
Flexible and familiar, but rebuilt by hand per client, every month.
Per-client BI dashboards
Good inside one company. No view across the whole book.
Generic chatbots
Fluent, but not reconciled to the ledger and no lender-readiness logic.
Our wedge: portfolio-wide, reconciled to the books, and built around lender readiness.
Roadmap
Now
Working demo on synthetic data with the full question set.
Next
Live ledger connections, sign-in, and multi-advisor firms.
Later
A lender marketplace and an underwriting feed.
The ask
Raising a pre-seed round to ship the pilot with design-partner firms.
Next step: see the demo, then talk through the pilot plan.
Pre-launch product. Demo uses synthetic data. All companies and figures are fictional.