Finance AI / Software capabilities

Finance AI that prepares the work.
A team that owns the judgement.

Routine preparation, decision-support products and human approval. Inspect the source, the assumption and the next action—then keep the decision with the right person.

Explore Finance AI Add human CFO leadership

Decision support

Five named experiences.
Work you can review.

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.

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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.

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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.

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FINANCE AI / SOFTWARE

Hiring & Capex Gatekeeper

Put spending decisions in context.

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

Equipment request · £12,000

Configured example rule: commitments above £10,000 require CFO and director review. Any forecast below the £25,000 floor requires a revised cash plan before release. These are fictional company policies.

Proposed commitment assessment
AssessmentResult
Request£12,000 equipment payment in week 2; excluded from current forecast.
Base + proposed spendMinimum cash £18,000 in week 7; £7,000 below floor.
Downside + proposed spendMinimum cash £8,000 in week 9; £17,000 below floor.
Review routeOperations sponsor → CFO → director; payment release separately authorised.

Recommendation: defer. Compare a separately costed lease and a later purchase after receipt timing is confirmed. A new hire would need its fully loaded recurring costs modelled before the same threshold review; none is assumed here.

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FINANCE AI / SOFTWARE

Covenant Sentinel

Keep agreed financial limits in view.

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

Configured cash-floor covenant · illustrative

Example configuration: weekly closing unrestricted cash must be at least £25,000. All forecast cash is assumed unrestricted. This synthetic covenant is not a real lender agreement or a compliance conclusion.

Headroom = cash − £25,000
TestCashHeadroomResult
30 September snapshot£50,000£25,000Above floor
Base minimum · week 7£30,000£5,000Above floor
Downside minimum · week 9£20,000−£5,000Forecast exception

Exception: the £20,000 receipt delay puts week 9 below the floor. CFO reviews receipt evidence and a funding or spending response before 5 Oct; projected exceptions are not actual breaches.

Missing-data rule: restricted-cash details or a changed covenant definition would make this test incomplete, not a pass. No debt-service ratio is calculated without debt and interest data.

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Preparation → Review → Decision

Three layers.
Clear responsibilities.

Routine preparation

Bookkeeping bots organise capture, coding, matching and missing evidence. Six practical workflows reduce routine bookkeeping work.

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Reliable calculations

Calculation engines and control rules handle monetary calculations, journal balance and committed forecasts. Missing or stale evidence stays visible.

Human judgement

Authorised people approve posting, payment release, write-offs and commitments. Your human CFO owns reviewed advice.

Explore the human service

A clearer next step

Tell us what your finance team needs next.

Bring the decision you are facing. We will help you choose a useful starting point.

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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.