- Where it gets stuck
- When the books close, each client company needs its management accounts, actuals against budget and last year, and a page explaining what moved. With several clients closing in the same week, the CFO writes that commentary late, from the ledger and a trail of emails with the bookkeeper and the founder.
- What the workflow does
- From your pack template and each client’s ledger in Xero, QuickBooks Online or NetSuite, the pack is laid out and every variance above the threshold you set is explained from the transactions behind it: a supplier invoice booked twice, a hire earlier than budget, revenue recognised in a different month. Each explanation links to the entries it relied on, the questions for the founder are listed, and the CFO rewrites, approves or drops each line before the pack goes to the board.
AI for fractional CFO firms
Six client companies close in the same week, and every board pack still waits for the commentary only you can write.
We draft the monthly pack, the cash forecast update and the questions for each client’s bookkeeper from Xero, QuickBooks Online or NetSuite, and you approve every page before it reaches a founder, a board or a lender.
For a fractional CFO firm, AI is useful on the recurring work that repeats for every client company: the monthly management pack and its variance commentary, the rolling 13-week cash forecast with the questions it raises for each bookkeeper, and the reporting owed to lenders and investors. The workflow starts from each client’s accounting software and your own templates, nothing reaches a founder, a board or a lender without the CFO’s approval, no client ledger is pasted into a public chat tool, and the forecast assumptions, the judgments and every signature stay with the CFO.
Today
- Month-end packsSix client companies closed, the commentary written from scratch for eachCFO’s weekend
- Cash forecastLast week’s 13-week forecast, three bank movements nobody has explained, questions to the bookkeeper still to writeRolled forward by hand
- Covenant certificateDue to the bank on the 20th, the EBITDA definition buried in the facility agreementSpotted on the 18th
With the workflow
- Management packActuals against budget and last year, variances above your threshold explained from the ledger, open questions for the founderCommentary waiting for the CFO
- 13-week cash forecastRolled forward from the bank feeds, receipts and payments that moved flagged, questions to the bookkeeper draftedQuestions sent after approval
- Lender packCovenant calculation laid out on the facility’s own definitions, each figure linked to the ledgerReady five days before the date
Where does a fractional CFO firm lose the most hours each month?
Each comes back every month for every client company, relies on records the client already keeps and ends with a decision by the CFO.
The board pack waits on commentary only the CFO can write
The 13-week cash forecast is rolled forward by hand every week
- Where it gets stuck
- Every Monday the forecast is updated from the bank, the receivables and payables ledgers and what the founder said on the last call. Unexplained movements become emails to the bookkeeper, and a client close to its cash floor is spotted only once the spreadsheet is finished.
- What the workflow does
- The forecast moves forward a week in your own spreadsheet, or in Float or Fathom: actual receipts and payments replace last week’s estimates, the customer payments that slipped and the large payments that moved are flagged, and the questions for each client’s bookkeeper are drafted in one list. The CFO approves the questions before they are sent and decides every assumption, and a client heading below the floor you set comes first in the list.
Lender and investor reporting depends on dates and definitions kept in five places
- Where it gets stuck
- Each client has its own facility agreement, covenant definitions, reporting dates and investor update rhythm. The definitions sit in PDFs, the dates in the CFO’s calendar, and when a client changes CFO, the knowledge of which adjustment the bank accepts leaves with the person.
- What the workflow does
- The reporting calendar of every client is kept from the facility and shareholder agreements, with the definitions, the agreed adjustments and the last certificate filed against each date. Ahead of each one, the covenant calculation and the investor update are drafted from the month’s numbers on those definitions, each figure linked to its source, and the CFO checks, signs and sends.
Which flow should you start with?
Three questions take about a minute, and the answer points to one of the moments above, or to a smaller step when a workflow would be too much.
Answer the three questions to see where to start.
This is an exercise: nothing is sent when you use this selector.
Play a quarter in a firm like yours
The Profit Game puts you at the head of a fictional accounting firm: pricing, hiring and AI decisions, with 100 simulated futures before each one. It is free and takes about 6 minutes.
Play The Profit GameDo we have to change our accounting or FP&A software?
No. The workflow reads the ledgers, bank feeds and spreadsheets each client already keeps, prepares a pack, a forecast update or a draft and puts it back where you work, once the CFO has approved it.
- A close, a Monday or a reporting date arrivesBooks closed in Xero, the weekly forecast due, a covenant certificate on the calendar.
- The client’s numbers are readLedger, bank feeds, budget, last forecast and the facility agreement, within the access each client allows.
- A pack, an update or a draft is preparedVariance commentary, forecast roll-forward, questions to the bookkeeper or lender pack, each figure linked to its source.
- The CFO decidesYour edits stay inside your firm’s own deployment, so the next draft starts closer to what you would have written.
- Back into your toolsThe pack is filed in the client’s folder and the questions leave from Outlook.
- Xero
- QuickBooks Online
- NetSuite
- Fathom
- Float
- Excel
- Outlook
- SharePoint
Three conditions before anything acts
Your existing tools
The workflow runs inside the tools you already pay for, with the access rights they already have, so the team keeps its usual screens.
A named person approves
Every draft waits for a named person. Nothing goes out in the firm’s name without that approval, and exceptions go back to a human.
Every step leaves a trace
Sources, drafts, corrections and approvals are recorded, so you can see why an output was prepared and improve the next one.
The path from here: three steps
The free Leverage Scorecard
You fill it in online, without a call. The result shows at once, and only the detailed report asks for a work email.
A 30-minute call
You tell Loïc Guyon, the founder, where the time goes, and together you see whether a workflow is worth testing.
The Leverage Assessment, $999, excluding tax
A review of where you stand today and where AI can help, in two 45-minute sessions with a written report between them. If it is useful, we test one or two workflows on your own examples, anonymised or invented when the data is sensitive. The fee is deducted in full if you continue to a build, with no obligation to build. It is invoiced by AI Jungle LLC, a US company.
Looking for a specific product?
PitstopThe shared workspace for client companies, reporting dates, sources and decisions, so a client’s history is readable when a second CFO or an analyst joins the account.Discover Pitstop →Managed AI agent serviceWe build, run and maintain one defined workflow, such as the monthly pack commentary, with named approvers, a written scope and handover notes.See the managed service →
Before you decide, you mark our work on one of your own past month-end packs
AI outreach case study: Asia-Connect. In 3 months of production use: 755 executives contacted, a 24% reply rate, 139 qualified meetings booked, 90 of them held, and 0 messages sent without the partner’s approval.
“In the last three months, the agent helped me to book more than 90 qualified meetings with executives I would never have had time to reach, and I approved every single message before it went out. It works while I am in meetings.”
During the Assessment we prepare the commentary for one month you have already reported: you send that month’s trial balance, the budget and the pack you sent at the time, which we read only once our version is done, under a confidentiality agreement signed first and with the client’s name and counterparties replaced by codes. We return the variance commentary and the questions for the bookkeeper we would have drafted. You mark each point right, missed or wrong in about an hour, and you keep that result whether or not you go ahead. Approval works the same way in production: at Asia-Connect, an executive search firm, the partner approved every message before it went out. Read the case study
What fractional CFOs ask before a call
Where does our clients’ financial data go?
No client ledger or bank statement is pasted into a public chat tool. Access is set client by client, so a workflow reads only the ledger, bank feeds and folders of the company it works for, and any step that a client’s confidentiality terms or your engagement letter exclude stays manual.
- Your data is hosted in Germany, on Hetzner, and none of it is used to train a model.
- If you have a constraint such as professional secrecy, sensitive data or a contractual requirement, processing stays in the European Union; otherwise we choose, for each task, the model with the best price-to-intelligence ratio, and you get the provider and the place of processing in writing before it reads anything.
- A data processing agreement is signed before anything is set up or sent, including for the workflows tested during the Assessment, and you receive the written list of the systems that will read your data.
- Your installation is kept separate from every other client’s.
- Everything is yours, your data and everything produced for you: at the end of the contract you receive a full export, then all of it is deleted from our systems.
- A person approves everything before it is sent, and you can refuse any step, which then stays manual.
Which fractional CFO firms is this for?
Owner-led fractional and outsourced CFO firms, and part-time CFOs working with a small team, where each CFO carries several client companies and still writes the packs, rolls the forecasts and prepares the lender reporting personally. The workflows cover that recurring work, never the financial judgment, the forecast assumptions or the advice to the founder.
Fathom and Float already produce our reports and forecasts. What do you add?
Keep them: they lay out the numbers, the charts and the cash projection well. The workflow adds what still takes the CFO’s evening: the commentary that explains each variance from the transactions behind it, the questions for the bookkeeper when something does not reconcile, and the reporting calendar that ties each lender and investor date to its definitions. When your reporting tool already produces the pack, the commentary is written into it.
Can you connect Xero, QuickBooks Online or NetSuite?
Usually, through the connections and access rights those tools already offer, with a separate access for each client company. Budgets and forecasts kept in Excel or Google Sheets work too. When a system has no usable connection, that step works from an export or stays manual, and the Assessment says so before anything is built.
What should we start with?
Usually the monthly pack commentary: it repeats for every client every month, your template already exists and you see at once whether a variance explanation is right. Use the selector on this page, then bring one past month to a 30-minute call.
Who is responsible if a figure in a pack is wrong?
You and your firm, exactly as for any pack you send today, which is why nothing reaches a founder, a board or a lender unapproved. Each figure keeps the source it was taken from, so it can be checked before you sign. The contract sets out in writing what AI Jungle answers for, and we give you wording to check with your professional indemnity insurer and to add to your engagement letters.
How much does it cost?
The Leverage Assessment costs $999, excluding tax, and the amount is deducted in full if you continue to a build. It is invoiced by AI Jungle LLC, a US company. The Leverage Scorecard is free, and the full path is described above.
In 30 minutes, we pick the past month-end we will work on in the Assessment.
If you book the Assessment, you send that month’s trial balance, budget and pack, with names replaced by codes, under a confidentiality agreement signed first. By the end of the call you know what to send and when you get the result back.