Connected finance. Human judgement.

A finance
department.
Without building one.

Your books, payables, receivables and payroll, connected. Let bookkeeping bots prepare the routine work, with a named finance team and CFO to help you act on it.

For growing businesses that need dependable books, clearer cash decisions and senior finance judgement—without recruiting a full department.

Build my finance team Explore the software

Choose software, managed finance operations or a complete CFO-led service.

Colleagues planning together

Built for the people
behind the numbers.Illustrative team imagery

↗ FlyCFO / The Daily BriefINTERACTIVE EXAMPLE
Sent to
AM
Alex MorganNorthstar Studio · CEO
FromFlyCFO Daily Brief

THURSDAY, 1 OCTOBER 2026 · SEPTEMBER REVIEW

Your day, in three decisions.

Good morning, Alex. Three decisions connect your cash, delivery costs and customer commitments.

Cash at 30 Sep£50,000
Operating profit£30,000
Gross margin40.0%

Your cash horizon

13 weeks · GBP
£25k cash floor7 Oct30 Dec
Base case · Minimum £30,000 in week 7 · Ends £65,000
£25k cash floor7 Oct30 Dec
Delayed receipt · Minimum £20,000 in week 9 · Ends £45,000

The base forecast stays above the cash floor, with a £30,000 minimum. A delayed receipt changes that picture.

Three decisions for your desk

01

Keep the £12,000 equipment decision open.

A £20,000 week-eight receipt slipping beyond the forecast leaves a £20,000 cash low—£5,000 below the floor. Defer the commitment pending a refreshed downside.

CEO + CFO · Review by 5 Oct
02

Protect margin as revenue grows.

September revenue beat budget by £10,000. Direct costs also rose £10,000, leaving profit unchanged. Operations and Sales have linked actions below.

Operations + Sales · Review by 9 Oct
03

Separate collection from dispute resolution.

AR208 has £4,000 outstanding. Confirm the £3,000 promise for 7 October; investigate the disputed £1,000 separately.

Collections lead · Due 7 Oct
Open the forecast assumptions

The downside moves £20,000 of week-eight receipts beyond 30 December. Payments and other receipts stay unchanged. The £12,000 equipment purchase is excluded from both scenarios; adding it would reduce the cash minima to £18,000 and £8,000.

↗

One company. A connected picture.
Prepared from Northstar Studio’s fictional September pack.
Read the full board pack ↗

SR
Sam RiveraNorthstar Studio · Operations Manager
FromFlyCFO Daily Brief

THURSDAY, 1 OCTOBER 2026 · SEPTEMBER REVIEW

Keep delivery moving. Protect the margin.

Good morning, Sam. Revenue grew without a profit increase. Two operating actions connect the delivery work to the finance picture.

Revenue£120,000
Direct costs£72,000
Gross profit£48,000

Where the extra revenue went

Against budget

More work came through. More profit did not. Review delivery cost before the next commitment.

Your operating priorities

01

Find the receipt before approving AP105.

The £5,000 supplier bill is due 12 October. Receipt evidence is missing. Resolve it by 9 October; the week-two cash plan assumes timely approval.

Operations Manager → Finance reviewer
Receipt missingMatch deliveryReview bill
02

Review overtime and subcontractor mix.

£7,000 of additional materials/subcontractor costs and £3,000 of overtime absorbed the revenue gain. Check job allocation with the controller, then give Sales the cost context for new quotes.

Operations + Controller · Due 9 Oct
Inspect the margin bridge

Budget: £110,000 revenue − £62,000 direct costs = £48,000 gross profit (43.6%). Actual: £120,000 − £72,000 = £48,000 (40.0%). Operating costs stayed at £18,000, leaving £30,000 profit in both cases.

No cost saving is assumed in the cash forecast.

↗

One company. A connected picture.
Prepared from Northstar Studio’s fictional September pack.
Read the full board pack ↗

JL
Jordan LeeNorthstar Studio · Sales Director
FromFlyCFO Daily Brief

THURSDAY, 1 OCTOBER 2026 · SEPTEMBER REVIEW

Turn good sales into good cash.

Good morning, Jordan. September beat the revenue budget. Today’s opportunity is to collect clearly and price the next job with delivery costs in view.

September sales£120,000
Over budget£10,000
AR208 still due£4,000

One invoice. Two next steps.

AR208 · £6,000

Keep the customer conversation specific: collect the promised balance while Operations checks the disputed work.

Your commercial priorities

01

Confirm the £3,000 payment promise.

Check the 7 October commitment with the customer and Collections. Keep the disputed £1,000 out of automated reminders while delivery evidence is reviewed.

Sales Director + Collections · Due 7 Oct
02

Price the delivery effort into new work.

Revenue is ahead of budget but gross margin fell from 43.6% to 40.0%. Review subcontractor-heavy quotes with Operations before offering the next price.

Sales + Operations · Due 9 Oct
Read the prepared customer note
Thank you for the £2,000 payment. Please confirm the remaining £3,000 payment planned for 7 October. We are reviewing the separate £1,000 query with our delivery team and will come back with the supporting details.

Illustrative draft for review. No customer email has been sent.

Trace this back to the cash plan

The £2,000 receipt is already in September. The £3,000 promise is included in week-one receipts. The disputed £1,000 is excluded from all forecast receipts. This briefing and the CEO cash view use the same assumptions.

↗

One company. A connected picture.
Prepared from Northstar Studio’s fictional September pack.
Read the full board pack ↗

Fictional company & figures · Example emails, not sent

Start with your situation

What do you need next?

Software

We have a finance team. We need better software.

Keep the books, organise AP/AR, run payroll and explore business planning with Vantage.

Find the right software

Managed books

We need someone to keep the finance operation moving.

Get a named finance lead for bookkeeping, reconciliations, payment preparation and the close.

Explore managed bookkeeping

CFO leadership

We need clearer cash decisions and senior finance judgement.

Work with a human CFO on cash, forecasts, commercial choices and your next board decision.

Explore CFO services

Supporting your own clients? Explore the practice and white-label route

Three connected outcomes

Good books are the start.
Better decisions are the point.

01

Transaction control

Keep invoices, payroll journals, reconciliations and the close moving, with the evidence and approvals that make the numbers dependable.

02

Working capital

See what is due in, what is due out and where action can improve your cash position.

03

Board value

Turn the same financial evidence into forecasts, commercial choices and a clear plan your leadership team can act on.

The FlyCFO family

Choose the tools.
Connect the work.

Finance software

FlyCFO Vantage

Plan the business. Drive every decision.

AI-driven business planning and forecasting. Explore the product preview: detailed drivers, connected scenarios and priorities for the whole FlyCFO family.

Explore Vantage

Finance software

FlyCFO Accounting

Your books, reports and financial control.

Invoices, banking, close and multi-entity accounting in a shared financial context.

Explore Accounting

Finance software

FlyCFO APAR

Your payables, receivables and finance conversations.

Capture bills, route approvals, resolve disputes and keep collections moving.

Explore APAR

Finance software

FlyCFO Payroll

Your people costs, connected to the books.

Local payroll workflows and traceable accounting handoffs.

Explore Payroll

Managed finance services

FlyCFO Solutions

Your finance team and next improvement.

Managed bookkeeping, CFO on demand and a full finance-department service, supported by ProcessScout.

Explore Solutions

Bookkeeping bots

Routine finance work,
kept moving.

Capture the document. Prepare the coding. Suggest the match. Chase the missing information. Our bookkeeping bots do the preparation, while authorised people handle exceptions and approve the decisions that change the books or move money.

01 / SOFTWARE CAPABILITY

Capture & Coding Bot

Extract invoice fields, flag duplicates and suggest coding with document evidence.

See the work and review point
Input
Supplier invoice and supporting document
Prepared output
Reviewed coding proposal linked to the document
Exception & approver
Review ambiguous data, new treatment and material changes.
System owner
APAR source capture; Accounting owns final ledger treatment.
Recorded result
The authorised decision and supporting evidence remain linked.

02 / SOFTWARE CAPABILITY

Matching & Reconciliation Bot

Match invoice, order and receipt; suggest cash allocation and bank matches.

See the work and review point
Input
Invoice, order, receipt and bank line
Prepared output
Match proposal with unmatched items retained
Exception & approver
Review unmatched items and approve resulting accounting.
System owner
APAR owns its invoice/cash matches; ledger owns ledger reconciliation.
Recorded result
The authorised decision and supporting evidence remain linked.

03 / SOFTWARE CAPABILITY

Supplier Inbox Bot

Match a supplier enquiry to invoice, approval and payment context; draft the reply.

See the work and review point
Input
Supplier message and matched invoice
Prepared output
Draft reply tied to the recorded payment state
Exception & approver
Approve sensitive replies; never invent payment completion.
System owner
APAR conversations, tickets and outgoing queue.
Recorded result
The authorised decision and supporting evidence remain linked.

04 / SOFTWARE CAPABILITY

Collections Bot

Prioritise overdue balances, track promises and disputes, prepare the next contact.

See the work and review point
Input
Open invoice, partial receipt and dispute
Prepared output
Assigned collection action with dispute history
Exception & approver
Approve collection strategy, disputes, write-offs and sensitive contact.
System owner
APAR collection queue and messaging workflow.
Recorded result
The authorised decision and supporting evidence remain linked.

05 / SOFTWARE CAPABILITY

Payroll Journal Bot

Prepare mapped payroll totals and inspect liability/reconciliation exceptions.

See the work and review point
Input
Approved pay-run totals and account mapping
Prepared output
Balanced draft journal with a source-run reference
Exception & approver
Authorised payroll and accounting approvals remain separate.
System owner
Payroll owns calculation; Accounting owns journal posting.
Recorded result
The authorised decision and supporting evidence remain linked.

06 / SOFTWARE CAPABILITY

Close Preparation Bot

Surface reconciliation gaps, accruals, intercompany differences and close blockers.

See the work and review point
Input
Period ledger and close checklist
Prepared output
Evidence-linked blocker list for close sign-off
Exception & approver
Authorised close review and posting/sign-off.
System owner
Accounting close and finance AI.
Recorded result
The authorised decision and supporting evidence remain linked.

Bots are software capabilities. Managed bookkeeping adds a named human owner.

See the bots at work

FlyCFO APAR

The invoice is
only the beginning.

FlyCFO APAR connects supplier and customer enquiries with the invoice, approval, payment or dispute behind them. Your team sees the context, the next action and the evidence for the reply.

See APAR in action
APAR / Supplier enquiryIllustration
“Can you tell us when invoice 1042 will be paid?”
Invoice
Matched · source attached
Approval
Pending finance review
Payment
Not submitted

Suggested reply · not sent

We have your invoice. It is awaiting approval, and we will confirm the next step after review.

Synthetic example. A drafted reply is not a completed payment.

CFO on demand / Human service

A CFO who knows the numbers—
and helps you act on them.

Work with a named human CFO, supported by a controller, finance operations and AI-assisted preparation. Keep weekly cash decisions, monthly performance and the next board conversation connected to the same financial story.

13-week cash view · Monthly CFO decision review · Board pack and action register

Talk to a CFO

Your engagement defines the cadence, access, responsibilities and cover.

Colleagues discussing plans around a table in a bright office
Connected around your business

The numbers are shared.
The next step is personal.

Illustrative team imagery · not FlyCFO practitioner profiles

One operating loop

From the first invoice
to the next board decision.

Connected work. Clear ownership.Illustrative workflow

01 / APAR + Payroll

Capture & prepare

Bring invoices, receipts and approved pay-run totals into view.

Owner
Finance operations
Evidence carried forward
Source documents + approval history

Authorised people approve operational decisions.

Explore each stage or play the walkthrough. One owner for each workflow; every approval stays with an authorised person.

Finance AI

Not just answers.
Work you can review.

FINANCE AI / SOFTWARE

CFO Morning Brief

Start with the decisions that matter.

Inspect the output

Fictional company and synthetic figures. Illustrative prepared outputs, not customer results, verified product screens or financial advice.

Northstar Studio · same sample dataset

Morning brief · 1 October 2026

  1. Protect the next cash low. The downside reaches £20,000 in week 9, £5,000 below the configured floor. CFO + director: defer the £12,000 equipment decision due 5 Oct; refresh receipt evidence before release. Source: 1 Oct forecast, weeks 8–11.
  2. Keep the £3,000 collection promise on track. AR208 has £4,000 open; £1,000 is disputed. Collections lead: confirm 7 Oct payment and investigate the dispute separately. Source: September AR208 and receipt allocation.
  3. Stop margin dilution repeating. Sales beat budget by £10,000, but gross profit did not move. Operations lead: review overtime and subcontractor-heavy pricing by 9 Oct. Source: September management accounts and driver bridge.

Prepared decision: focus this week on cash timing and delivery economics; do not treat September profit as spendable headroom.

Inspect the full sample pack ↗

FINANCE AI / SOFTWARE

Close Assurance

Know what is blocking the close.

Inspect the output

Fictional company and synthetic figures. Illustrative prepared outputs, not customer results, verified product screens or financial advice.

Northstar Studio · same sample dataset

September close checklist · prepared 1 Oct

Illustrative close worklist
CheckStatusOwnerEvidence / next step
Bank roll-forwardReady for reviewFinance lead£40k + £100k − £90k = £50k; bank statement and reconciliation.
AR208 allocationBlockerCollections lead£2k receipt match; promise for £3k; delivery evidence for £1k dispute.
AP105 cut-offBlockerOperations lead£5k receipt confirmation and period-of-service evidence.
Margin reviewReviewed in this exampleController£48k budget gross profit + £6k + £4k − £7k − £3k = £48k.
Period sign-offPending blockersControllerResolve AR/AP evidence, then authorise period closure.

Prepared decision: keep the management pack provisional; resolve the two evidence blockers before final close. The forecast includes AP105 in week 2, subject to approval.

Inspect the full sample pack ↗

FINANCE AI / SOFTWARE

Margin & Variance Detective

Understand what moved your margin.

Inspect the output

Fictional company and synthetic figures. Illustrative prepared outputs, not customer results, verified product screens or financial advice.

Northstar Studio · same sample dataset

Reviewed action memo · September margin

Finding: gross margin is 40.0%, down 3.6 percentage points from the 43.6% budget. Revenue £120,000 − direct costs £72,000 = gross profit £48,000.

Synthetic driver analysis
Driver vs budgetGross-profit impact
Additional delivery volume£6,000
Price and service mix£4,000
Materials and subcontractors−£7,000
Overtime−£3,000

Controller review: the four drivers net to £0 and reconcile budget and actual gross profit at £48,000. £18,000 operating costs leave £30,000 operating profit.

Action memo: operations lead reviews overtime allocations and prices new subcontractor-heavy work by 9 Oct. Do not change existing customer prices or assume forecast savings. This review status is fictional.

Inspect the full sample pack ↗

A human CFO is a separate service. Finance AI prepares evidence and recommendations for review.

Explore all five Finance AI experiences

Accounting & Payroll

Local detail.
A connected financial picture.

21accounting markets
26payroll markets
21markets in common
Find your country

APAR connects finance operations to your selected ledger. Your CFO engagement names its markets and responsibilities.

Your service, clearly scoped

The right level of finance support.
Not a department-sized commitment.

Finance Operations

Keep finance moving.

  • Ledger or coexist
  • AP/AR operations
  • Bank reconciliation
  • Close
  • Weekly cash

Not included as a full CFO engagement

Request a scoped proposal

CFO Growth

Turn numbers into decisions.

  • Finance Operations
  • 13-week cash
  • Rolling forecast
  • Board pack and scenarios
  • Pricing and margin actions

Monthly CFO decision cadence

Request a scoped proposal

Full Finance Department

Lead the whole function.

  • CFO + controller + AP/AR pod
  • Multi-entity close
  • Controls and covenants
  • Capital allocation
  • Finance leadership and continuity

Embedded senior cadence as contracted

Request a scoped proposal

Each proposal names the service owner, cover arrangement, response calendar, entities, countries and transaction scope. Software inclusions and implementation are itemised separately. Get a tailored proposal. No commitment.

Software-only plans

Make it fit

Built around the way
your business works.

ProcessScout maps your process, turns requirements into a reviewed configuration and helps your team improve it each month. Keep configuration credits separate from your day-to-day finance service and CFO access.

Customise with ProcessScout

A clearer next step

Tell us what your finance team needs next.

Better bookkeeping. More control over payables and collections. A clearer cash plan. A CFO for the decisions ahead. We will help you choose the right starting point.

Talk to a finance specialist Run a Finance Flight Check

Start with the free Close Flight Check. No assessment is required for a conversation.

Synthetic worked example

The evidence for the reply.

Invoice 1042 is matched to its source document. Approval 73 is pending. No payment has been submitted. The response remains a draft for an authorised reviewer.

Period / source
September 2026 · synthetic invoice 1042
Owner / next step
Finance approver · inspect supporting invoice
Assumption
Current recorded state; no settlement inferred

This example does not send a reply, post a journal or move money.