Cash runway, burn & liquidity
Ask "What is our runway at 80% of plan? What is our burn multiple this quarter?" — the AI CFO returns the number, the underlying assumptions, and the source system it pulled from. Calculate-first, no guesswork.
AI CFO agent
Strategic finance, on demand. Ask cash runway, ARR, NRR, burn multiple, margin by segment, or draft a board memo in natural language. Calculate-first architecture — the math is deterministic, the commentary cites its sources, and nothing leaves your EU-hosted perimeter.
Multilingual · EU-hosted · audit-logged · role-gated.
What the AI CFO agent answers
Six question categories covered out of the box. Every response cites its source system and is logged in the audit trail.
ARR, NRR & SaaS metrics
Pre-built models for ARR, NRR, GRR, gross margin, contribution margin, LTV/CAC, CAC payback, Rule of 40, burn multiple, and sales efficiency. The numbers your board and investors ask about — computed the same way every reporting cycle.
Margin by segment
Gross margin, contribution margin, and EBITDA broken down by product line, customer tier, region, or sales rep — with plain-language commentary citing the deals and transactions that moved it.
Variance commentary
Why was Q2 opex 8% over budget? Which cost centres drove it? The AI CFO drafts the explanation and cites the transactions behind it so finance review takes seconds, not hours.
Board-ready summaries
Weekly flash, month-end close, and quarterly board memo — drafted in the formats your board already reviews. Natural-language queries, Markdown, slide deck, or PDF export. No more manual PowerPoint work before every meeting.
Scenario modelling
Ask "How does a 12-person hiring plan in H2 shift runway?" or "What happens to gross margin if we raise price 8%?" — the agent walks through the assumptions and produces the new plan alongside the baseline.
Calculate-first, hallucination-free
Generic AI tools generate numbers. That is unacceptable for finance. The AI CFO computes every metric deterministically from your source systems first, then the language layer adds commentary around numbers that are already correct.
- Pre-built financial models for SaaS, fintech, B2B services, and PE-portfolio operating metrics.
- Numbers computed in deterministic code; LLM only narrates.
- Every answer cites the underlying transactions or reports. "Insufficient data" when the agent cannot answer — never a guess.
- Natural-language queries on top: "What is EBITDA for Q3?" — no SQL, no formulas, no waiting on an analyst.
Metrics out of the box
The AI CFO ships with the metrics your board, investors, and bank actually ask about. Pre-wired for the most common SaaS, fintech, and B2B services business models.
ARRNRRGRRGross marginContribution marginEBITDACash runwayBurn multipleRule of 40CAC paybackLTVLTV/CACSales efficiencyR&D burnClose-cycle daysRevenue vs planMagic NumberNet burn
Custom metrics added through the Flowtly platform without engineering work.
Sample interactions
Real-looking examples of how the AI CFO agent answers finance-leadership questions. Every number traces back to a source system; every decision has a numbered entry in the audit log.
Show me current cash runway at 90% of Q2 revenue plan.
At 90% of plan (€3.2M for Q2), runway is 11.2 months from today. Assumptions: current opex run-rate, no new hires past July 1, receivables collected on 45-day average.
Source: NetSuite · snapshot 2026-04-15 09:14 UTC · decision #4821
Why was EMEA gross margin down 3.2pp in Q1?
Two drivers: (1) a new EUR-denominated hosting contract raised COGS by €180K; (2) discount mix shifted toward the Enterprise tier after the March pricing change. Commentary: effect mostly one-off, expected to normalise in Q3.
Source: NetSuite GL + Salesforce deals · decision #4903
Draft the monthly flash for the April close — board format.
Draft saved to /reports/2026-04-flash.md. Sections covered: revenue vs plan, gross margin, opex walk, cash & runway, top-3 risks. Flagged for CFO review before sending to the board.
Source: close package · decision #4944 · awaiting CFO sign-off
AI CFO vs the alternatives
How the AI CFO agent compares to a generic AI assistant or hiring a finance analyst — across the criteria CFOs evaluate.
AI CFO agent
Flowtly
- Cites every number to its source
- Always
- Reads your live ERP / GL
- Live API
- SaaS metrics out of the box (ARR, NRR, burn multiple)
- Yes
- Available 24/7, answers in seconds
- Yes
- Multi-entity consolidation
- Built-in
- Audit-logged & role-gated
- Yes
- EU-hosted, GDPR-aligned
- Yes
- Typical monthly cost
- Quote on scope
Generic AI
ChatGPT, Copilot, Gemini
- Cites every number to its source
- Sometimes
- Reads your live ERP / GL
- Copy-paste data
- SaaS metrics out of the box (ARR, NRR, burn multiple)
- Generic only
- Available 24/7, answers in seconds
- Yes
- Multi-entity consolidation
- No
- Audit-logged & role-gated
- No
- EU-hosted, GDPR-aligned
- Varies
- Typical monthly cost
- $20–$25 / seat
Hiring an analyst
Full-time FP&A hire
- Cites every number to its source
- Yes
- Reads your live ERP / GL
- Manual export
- SaaS metrics out of the box (ARR, NRR, burn multiple)
- Builds them
- Available 24/7, answers in seconds
- Office hours
- Multi-entity consolidation
- Manual
- Audit-logged & role-gated
- Limited
- EU-hosted, GDPR-aligned
- Yes
- Typical monthly cost
- €8–15K + benefits
See the AI CFO agent answer questions on a sandboxed copy of your data.
What the AI CFO agent does not do
Setting honest expectations matters more in finance than in any other function. The AI CFO agent is built for the question-and-answer cadence of a CFO’s week — not for the work that belongs with your accountant, banker, or board itself.
- Not a bookkeeping or transaction-entry tool — that lives in your ERP.
- Not a tax-compliance engine — local filings stay with your accountant or tax advisor.
- Not a financial audit or assurance product — auditors keep their independent role.
- Not an M&A modelling suite — diligence-level transaction modelling stays in your investment bank’s spreadsheets.
- Not a substitute for human CFO judgment on fundraising, pricing strategy, or stakeholder management.
How it connects
The AI CFO agent plugs into your existing finance stack and respects its access controls. No data export, no shadow warehouse — the agent reads from the same source of truth your close package already uses.
NetSuiteSAP S/4HANAOracle FusionSage IntacctXeroQuickBooks OnlineWorkday FinancialsSalesforceHubSpotStripe
Additional source systems can be added through the Flowtly platform. If it exposes a REST or GraphQL API, the agent can read from it.
Trust & governance
- Role-based access — the AI CFO agent answers only within the permissions of the signed-in user.
- Every question and every answer is timestamped, user-attributed, and stored in the audit log.
- Hosted in the EU (Frankfurt). Data never leaves your approved perimeter.
- No attachment uploads — the agent reads from connected source systems only.
- Compliance posture: GDPR-aligned, SOC 2 Type II in progress.
Frequently asked questions
What is an AI CFO agent?
An AI CFO agent is a role-specific AI assistant that answers finance-leadership questions on demand — cash runway, ARR, NRR, burn multiple, Rule of 40, margin analysis, variance commentary, scenario modelling, and board-ready summaries — using your live source systems. It does not replace a human CFO; it removes the wait time between a question and the answer the CFO needs to decide.
Does the AI CFO hallucinate?
No. The AI CFO uses a calculate-first architecture: every number is computed deterministically from your source systems (ERP, billing, CRM), not generated by the language model. The LLM only adds natural-language context around numbers that are already correct — and every response cites the underlying transactions or reports. If the agent cannot answer, it says "insufficient data" rather than guess.
Does the AI CFO agent replace a human CFO?
No. The AI CFO agent compresses the analytical work a CFO would otherwise route through an FP&A team: pulling the number, explaining what moved, drafting the memo. The human CFO still owns judgment, stakeholder management, fundraising, and strategy. Customers report the agent saving 6–10 FP&A hours per week per entity, reducing reporting time by up to 60%, and cutting close-cycle preparation by several days.
How is the AI CFO different from ChatGPT or a generic AI assistant?
Generic AI tools process raw data and guess at answers, which is unacceptable when the number is going to a board or an investor. The AI CFO uses pre-built financial models tuned to SaaS, fintech, professional services, and PE-portfolio metrics — ARR, NRR, gross margin, contribution margin, EBITDA, burn multiple, Rule of 40, CAC payback. Calculations run in deterministic code; the LLM layer only narrates. Every answer is traceable, role-gated, and logged.
Which metrics does the AI CFO track out of the box?
Standard SaaS and B2B finance metrics are pre-wired: ARR, NRR, GRR, gross margin, contribution margin, EBITDA, cash runway, burn multiple, Rule of 40, CAC payback, LTV, sales efficiency, R&D burn, close-cycle days, and revenue vs plan. Custom metrics can be added through the Flowtly platform without engineering work.
What data does the AI CFO agent access?
Only the systems you explicitly connect, and only within the permissions of the signed-in user. Typical sources: ERP or general ledger, billing system, CRM pipeline, HR system for headcount, and Slack or email for any memos you choose to index. The agent does not ingest attachments; it reads from API endpoints your connectors expose.
Which source systems does the AI CFO connect to?
Out of the box: NetSuite, SAP S/4HANA, Oracle Fusion, Sage Intacct, Xero, QuickBooks Online, Workday Financials, Salesforce, HubSpot, and Stripe. Additional connectors can be added through the Flowtly platform. If the system exposes a REST or GraphQL API, the agent can read from it.
Is the AI CFO GDPR compliant? Where is the data hosted?
Yes. The agent is hosted in the EU (Frankfurt), not the US. Data never transfers outside your approved perimeter, and every interaction is logged with a timestamp and user attribution. A DPA is available on request. SOC 2 Type II is in progress. For organisations with stricter requirements, private deployment on your own cloud is available.
Is the AI CFO suitable for fractional CFOs and PE portfolio companies?
Yes. The agent is designed for exactly those profiles: fractional CFOs running 3–8 portfolios, and PE operating partners who need consistent financials across a portfolio. Multi-entity consolidation, FX translation, portfolio-level views, and standardised metric definitions are built in. Each portfolio company stays in its own permission boundary; the fractional CFO or operating partner gets the cross-portfolio view.
Which industries and business models is the AI CFO built for?
SaaS, B2B services, fintech, e-commerce, professional services, and PE-backed growth companies. The underlying financial models cover the metrics those businesses report to investors and boards — ARR-driven revenue, subscription waterfalls, unit economics, working capital for inventoried businesses, and partner-led revenue splits.
How quickly can we deploy the AI CFO agent?
Most finance teams go live in days, not weeks. Typical timeline: 1 day to connect source systems, 1–2 days to map the chart of accounts and segments to the agent’s views, 1 day for a finance-team walkthrough. The agent ships with decisions already wired — no workflow build required.
What does the AI CFO agent cost?
Pricing scales with team size and the source systems connected. Volume discounts apply for multi-entity rollouts. Contact us for a quote matched to your scope.
Want to see the AI CFO agent answer questions against your own numbers? Book a 30-minute walkthrough.