Profit isn't the same as cash
Healthy businesses still get squeezed by timing. Seeing the weeks ahead changes the decisions you make today.
Practical CFO expertise + applied AI
Better financial decisions. Smarter business growth.
Practical financial expertise and AI-powered tools to help businesses build stronger financial foundations, improve operations and scale with confidence.
Your business deserves a CFO in its back pocket.
Weekly cash view
See problems weeks before they arrive
Expected cash
If customers pay late
Early warning
Who it helps
Built for businesses that are growing, and want to grow well.
Founders, owner-operators and small teams rarely have a full-time CFO. The Back Pocket CFO brings that discipline within reach: clear numbers, better decisions and tools you can actually use.
- Founders and owner-operators
- Small and growing companies
- Service and project businesses
- Software and subscription businesses
- Teams without a full-time finance lead
The problems we help solve
Growth makes the finances harder, not easier.
Growth outruns the systems
What worked with five people strains at twenty. Clear processes and controls keep growth from turning into chaos.
Decisions run on instinct
Pricing, hiring and spending choices get easier when the numbers tell a clear story.
Two capabilities
Financial expertise, made practical with AI.
Disciplined finance on one side, applied AI on the other. Each makes the other more useful.
Proven financial management
Proven financial management, SaaS methodologies, forecasting and operational discipline.
- Planning, forecasting and budgeting
- Cash flow and working capital
- Unit economics and pricing
- Controls and reporting
AI that does useful work
AI-powered workflows, tools and automation that turn expertise into practical business outcomes.
- AI-assisted financial analysis
- Workflow automation
- Purpose-built business assistants
- Outputs designed for human review
Our approach
SaaS-proven methods, applied to your business.
Many of the world's most successful software businesses rely on disciplined, data-driven approaches to growth. Those principles shouldn't be limited to the technology sector. We adapt them to your industry, your size and your stage.
- 01Unit economicsKnow what each customer or sale really earns after direct costs.
- 02Acquisition cost and lifetime valueUnderstand what growth costs and what it returns.
- 03Recurring revenue and retentionBuild revenue you can predict and keep.
- 04ForecastingSee cash, revenue and costs ahead of time, not after the fact.
- 05Operational efficiencyRemove friction so the business scales without adding chaos.
How it works
Clarity first, then the tools that make it stick.
Understand where you are
Get clear on your numbers, your cash position and what's holding growth back.
Focus on what moves the needle
Prioritize the few changes that improve performance the most.
Put tools and routines in place
Use templates, frameworks and AI workflows so the discipline lasts.
Five areas of focus
From financial strategy to practical AI.
Financial Strategy
Financial planning, forecasting, budgeting, performance measurement and strategic decision-making.
Cash & Capital Management
Cash flow optimization, working capital, capital allocation and financial sustainability.
Growth & Performance
Revenue growth, pricing strategy, customer acquisition costs, lifetime value, retention and profitability.
Process & People
Financial controls, process improvement, automation and building high-performing teams.
Practical AI
Purpose-built tools, intelligent workflows and automation that improve decisions and execution.
See the detail
What each area covers and how it applies to a growing business.
Financial expertiseDigital products
Practical tools, in development.
Downloadable financial templates and frameworks, built to be used rather than admired. Join the early-access list to hear first.
Cash Flow Forecasting Toolkit
See what's coming in and going out, week by week.
Budget & Variance Templates
Plan, track and act on the gap between plan and actual.
Board & Investor Reporting Pack
Clear monthly reporting for boards, lenders and investors.
Close & Reconciliation Toolkit
A consistent routine for month-end and year-end.
Get started
Your business deserves a CFO in its back pocket.
Better decisions. Smarter operations. Sustainable growth.