For small & mid-sized businesses
Run the business you've already built.
A forecasting platform and AI CFO built for established small and mid-sized businesses, so you can see cash, plan hires, and steer growth without a full finance team.
- No credit card required
- Works with QuickBooks & Xero
- Unlimited seats on Growth & Scale
The finance problem at your stage.
The books
Your accountant closes last month. Nobody plans next month.
QuickBooks tells you where you've been. You need a tool that tells you where you're going, without hiring a finance team to run it.
The team
Hiring feels like a guess.
Another role, another raise, another truck. You need to see how each decision lands in cash before you commit, not after.
The growth
You're scaling blind.
Revenue is up, margins are weird, cash feels tight. Without a forecast, you're debating the business from feel, not from numbers.
Forward-looking finance, without the team.
Your accountant handles the rear-view. Profitual handles the windshield. Together with Andy, you get an always-on planning layer (cash flow, hiring, scenarios, and weekly AI insights) without adding headcount.
Why SMEs switch.
Cash-flow visibility, all the way out.
See cash position 3, 6, 12 months out. Spot the pinch before it lands, move money before it matters.
Hiring plans that tie to cash.
Plan headcount with real salary benchmarks. Watch each new hire show up in payroll, benefits, and runway immediately.
A finance team for a fraction of the cost.
Profitual and Andy together replace the fractional CFO, the bookkeeping advisor, and the spreadsheet, all for less than $400/mo.
Boards, banks, and buyers trust the output.
3-statement projections, variance commentary, and clean reports. Whether you're pitching your bank or preparing to sell, the output looks like it should.
A finance stack built around your books.
3-statement forecasting
Income Statement, Balance Sheet, and Cash Flow, all derived, tied, and auto-updating as actuals flow in.
QuickBooks & Xero sync
Plug in your books once. Actuals refresh weekly (or daily on Scale), and variance analysis runs itself.
Scenario planning
What if we raise prices 8%? Add a sales rep? Push a launch out a quarter? Model all three, compare instantly.
Board & bank reporting
Scheduled PDF reports with commentary land in your inbox, or your board chat, the morning they're due.
Andy Smart Alerts
Your AI CFO reviews your books daily. You hear about margin drift or a spending anomaly before your next meeting.
Multi-user & commenting
Unlimited seats on Growth and Scale. Finance, ops, and ownership stay in sync on one model, not five spreadsheets.
Put it to work this quarter.
01
Annual planning
Set next year's revenue, margin, and hiring targets in an afternoon. Watch actuals track against them every week.
02
Cash-flow management
Stress-test payables, inventory cycles, and AR timing. Know the week cash gets tight before your banker does.
03
M&A and financing
Generate clean, auditable financials for your lender, buyer, or advisor, without a week of spreadsheet cleanup.
“Profitual layered strategic insight on top of our accounting stack. Leadership can see the drivers behind performance and make real-time decisions across the organization.”
Climative
Climate analytics
See your next 12 months.
Connect QuickBooks or Xero and your baseline forecast builds itself from real history. No credit card. No finance team.