About
Built by a CFO, for business owners
CFO Pal exists because most small businesses can’t afford a CFO — but every business deserves CFO-level financial clarity.
The problem we solve
There are over 5.5 million small businesses in the UK. The vast majority don’t have a CFO, a finance director, or even a part-time bookkeeper who gives them strategic advice. They have an accountant who files their tax return once a year — and that’s it.
The result? Business owners make financial decisions based on gut feel. They don’t know their cash runway. They don’t spot overdue invoices until it’s too late. They don’t realise they’re overspending until the bank balance hits zero.
CFO Pal changes that. We built an AI-powered platform that delivers approximately 80% of what a full-time CFO provides — financial reports, cashflow forecasting, budget tracking, risk alerts, and proactive insights — at £49/month instead of £1,500+.
What makes CFO Pal different
Most financial tools are pull-based — you have to remember to log in, navigate to the right report, and figure out what the numbers mean yourself.
CFO Pal is push-based. Every Monday morning, your AI CFO sends you a plain-English summary of your financial position. The moment something urgent happens — cash running low, invoices overdue, spending spiking — it messages you immediately. You don’t have to log in. The CFO comes to you.
And because the founder has real CFO experience, the AI doesn’t just read your numbers — it interprets them the way a finance professional would, and tells you what to do about it.
Our principles
UK-first
Built for UK businesses, UK accounting rules, and UK tax. All data stored in the EU (London) for GDPR compliance.
Plain English
No jargon, no acronyms, no confusing charts. Every insight is written like a trusted advisor talking to you over coffee.
Your data, your control
We never sell your data. Row-level security means no one else can see your numbers. Disconnect anytime.
Ready to see your numbers clearly?
14-day free trial. No card required. Connect Xero, QuickBooks, or Sage in 2 clicks.
Get Started FreeQuestions? Email us at hello@cfopal.co.uk