Practice programme
Give every client a CFO.
Not just the ones who can afford one.
Your clients ask how the business is doing in March, not just at year end. CFO Pal answers that question every week from their live ledger, so your firm can offer real financial oversight across the whole client base without staffing it hour by hour.
Wholesale rates · One invoice · No minimum client count
What the programme gives your practice
Advisory revenue is the part of a practice everyone wants to grow and nobody has the hours for. This is the tooling that makes it deliverable at scale.
One licence, wholesale rates
Your practice holds a single subscription covering every client business you connect, priced below list and improving as your client count grows. One invoice, one renewal, no per-client admin.
Advisory without the hours
The analysis a client would otherwise pay you to produce by hand (management accounts, forecasts, variance commentary) generated from their live ledger every week. Your time goes into the conversation, not the spreadsheet.
You hear about it first
Alerts route to your firm, to the client, or to both. When a client's cash tightens or a debtor slips, you can be the one who calls them about it rather than the one who finds out at year end.
Something to sell
A weekly written brief and a board-ready pack, in your client's inbox, is a visible deliverable between compliance cycles: the thing that makes a monthly advisory fee obvious value rather than a hard sell.
How it runs day to day
You connect the client
The client business authorises its own Xero, QuickBooks or Sage connection. Data starts syncing twice daily and the first analysis lands the same day.
You choose who hears what
Set alert routing per client: your firm only, the client only, or both. Both is the default, because the product's promise is a CFO in the owner's pocket.
You stay the adviser
CFO Pal does the monitoring and the arithmetic. The judgement call, and the relationship, stay with your firm.
How it's designed
Designed for the day a client leaves
Most platforms sold through firms treat the client as a possession of the firm. That is fine until the relationship ends, at which point it is a mess for everybody. We made four commitments up front to avoid that.
A client is never trapped inside your practice
Each client business is an independent record that happens to have your firm as its payer. If the relationship ends, the subscription will move to direct billing and nothing will migrate: the business keeps its history, its connection and its reports. Built the other way round, that day becomes a data migration.
The accounting connection belongs to the client
We authorise Xero against the client's own business, never through a practice's partner credentials. A client leaving your firm doesn't sever their data connection at exactly the moment continuity matters most.
No secret alerting
A client business can always see the full list of who receives its alerts, in Settings, including recipients on your side. We won't build a product where a business owner can't tell who is being told about their cash position.
Access is per client, not blanket
Staff are granted access to named client businesses individually. A practice administrator will never silently hold the keys to every client on the platform, and removing a client will remove access by the same mechanism.
What each client business gets
The full product, per connected client. Nothing is held back for a higher tier.
Tell us about your practice
We're onboarding practices in small groups so each firm gets set up properly rather than handed a login. Send us the shape of your client base and we'll come back with the rates and a walk-through.
Practice programme questions
What does the programme cost?
Practices pay below list price, with the rate improving in bands as the number of connected clients grows. We work the exact figure out with you against your client base rather than publishing a rate card, because the shape of a five-client firm and a forty-client firm are genuinely different. Tell us roughly what you'd start with and we'll send the numbers.
Who holds the client relationship?
You do. Your firm is the payer and the adviser. CFO Pal is the tooling underneath, and the client business record stays independent so the relationship can change without the data moving.
What happens if a client leaves my firm?
Their subscription transfers to direct billing at list price from the end of your paid period, your firm's access is removed, and practice-side alert recipients are switched off. The business keeps everything else (history, connection, reports) because it was never owned by your practice in the first place.
Does CFO Pal do tax?
No, deliberately. We don't calculate tax, give tax advice or file anything. That stays entirely with you. CFO Pal covers management information: cash, margin, forecasting, variance and alerts.
Will it contradict the numbers I give my clients?
It reads the same ledger you do, and the AI never performs arithmetic, every figure it quotes is computed from the client's data first and handed to the model as fact. Where a client's categorisation is untidy, the mapping is editable so the reporting matches how you'd present it.
Can I white-label it?
Not today. Co-branded reports and a dedicated practice dashboard are on the roadmap but aren't built, and we'd rather tell you that than promise it. Right now your firm sits behind the product rather than on the front of it.
How many clients do I need to join?
There's no minimum. Starting with a handful of clients where cash is the live worry is a sensible way in: you can see how those clients react to the weekly brief before rolling it wider.
Just want to refer the odd client instead? Look at the affiliate programme.