Financial clarity for agencies
Agencies sell time. The gap between what you charge clients and what it costs to deliver the work is your entire margin. But between scope creep, late payments, and overhead that grows faster than revenue, profitability is harder to maintain than it looks. CFO Pal gives you the numbers.
The problem
Projects that felt profitable turn out to have been delivered at a loss once all hours are counted.
Clients pay on 30 or 60 day terms but your team expects to be paid monthly.
You hired ahead of revenue and now overhead is eating your margin.
You rely on a few large clients and one late payment creates a cashflow crisis.
What changes with CFO Pal
Gross margin is recomputed from your ledger on every sync, so a job delivered below the rate you quoted shows up in the month it happened rather than at year end.
Debtor ageing lists what each client owes and how long it has been outstanding, and an alert names the client, the amount and the days overdue the morning an invoice passes its due date.
Budget versus actuals watches overhead against the targets you set, and you are told the month a category goes over, with the amount and how far over it is.
Client concentration states the share of invoiced sales your largest clients hold, so you know how exposed one late payer leaves you before it happens.
“Who owes me money?” Ask it between client calls: CFO Pal answers on WhatsApp at any hour, from your own ledger, with nothing to install.
£199/month + VAT. Everything included.
Connects to Xero, QuickBooks, and Sage. 14-day free trial. No card required.
See full pricing details →Stop guessing. Start knowing.
Join UK businesses that know exactly where they stand financially. Every Monday morning.
Connects to Xero, QuickBooks & Sage · UK data residency · No card required