Now accepting early access sign-ups

Your CFO,
without the salary

CFO-level insight for UK small and medium businesses — cashflow forecasting, financial reports, proactive alerts, and a weekly summary that tells you exactly where you stand.

Join the WaitlistSee How It Works

Free for 14 days · No card required · UK businesses only

£49
per month
CFO-level
financial clarity
5.5M
UK SMEs without a CFO
14 days
free trial, no card needed

What is CFO Pal?

The financial clarity you've never had.
Never be surprised by your own numbers again.

Most financial tools wait for you to log in. CFO Pal doesn't. Every Monday, you get a plain-English summary of where your business stands. And the moment something needs your attention — a cash warning, a revenue dip, a margin drop — you're alerted instantly via email, SMS, or WhatsApp.

WEEKLY SUMMARY — MON 8:04AM
CFO
CFO Pal
Weekly financial update
Good morning Sarah. Here’s your weekly update.

Your revenue this week was £12,400 — up 8% on last week. However, your margins dropped 4% this month. The main driver appears to be a rise in supplier costs in your materials category — worth reviewing before month end.

Three invoices totalling £6,200 are now overdue. If these don’t get paid in the next two weeks, you’ll be cash negative by mid-November. I’d recommend chasing those today.

What's included

CFO-level insight, without the overhead

The financial clarity, reporting, and foresight you'd expect from a CFO — powered by your live data.

📊

Financial Reports

Auto-generated P&L, cashflow statements, and balance sheet summaries every month. Download as PDF — all in plain English, no jargon.

📈

Cashflow Forecasting

See your projected cash position 8, 12, and 16 weeks ahead. Periods where you're forecast to go negative are flagged clearly.

🎯

Budget vs Actuals

Set monthly budgets per category and watch in real time as your actual spend comes in. Green, amber, and red indicators.

🤖

Proactive AI Alerts

The moment something needs your attention, your CFO messages you via email or WhatsApp. No logging in required.

🧠

Ask Your CFO

Chat with your AI CFO anytime. Ask about your margins, test scenarios, get budget advice — all powered by your live financial data.

📋

Management Accounts

Generate a board-ready management accounts report in seconds. Executive summary, risk register, balance sheet, and recommendations.

How it works

Set up in minutes. Then let it run.

1

Sync your accounts

Connect your Xero, QuickBooks, or Sage account in two clicks. Or upload a bank statement — whatever works for you.

2

Set your preferences

Tell us your minimum cash threshold, monthly budgets, and which channels you want alerts on.

3

Your CFO goes to work

Every Monday morning you get a plain-English financial summary. Urgent alerts come instantly.

4

Make better decisions

With CFO-level insight working in the background, you spend less time worrying about the numbers and more time growing.

Pricing

One price. Everything included.

A part-time bookkeeper costs £300–800/month. A fractional FD costs £1,500+. CFO Pal gives you CFO-level insight for a fraction of the cost.

Full Access

£49/month

Everything included. Cancel anytime.

  • ✓AI weekly financial summary (Monday, 7am)
  • ✓Real-time urgent alerts via email & WhatsApp
  • ✓P&L, cashflow, and balance sheet reports
  • ✓8/12/16 week cashflow forecasting
  • ✓Budget vs actuals tracking
  • ✓Management Accounts
  • ✓Xero, QuickBooks & Sage integration
  • ✓14-day free trial, no card required
Join the Waitlist →

14-day free trial at launch. No credit card required.

No spam. No card required. Just your spot in the queue.