A quieter way to run the books

A financial brain
watching your back.

SmartCFO connects the tools you already run on — inbox, chat, payments, bank — cleans the chaos into one source of truth, then quietly forecasts cash flow, flags risk, and learns how your business actually works.

Start free trial Watch demo

Bank-grade security No card to start 60-day trial

Trusted by freelancers, agencies, and small teams who'd rather run their business than run their books.

Inbox & receipts Team chat Payments Bank feeds Spreadsheets Expense apps Cloud drive

The problem

Running the numbers shouldn't be a second job.

Spreadsheets don't chase invoices. They don't warn you when cash is about to get tight. They don't know your Tuesday coffee was a client meeting, not a snack. Most owners spend hours a week doing work the software should already be doing.

SmartCFO does the thinking, so you can do the work.

Flip the switch — see who's really doing the work.

Chasing invoicesYou email clients. Then email again.

Cash warningsNo heads-up until it's already tight.

Knowing contextA receipt is just a receipt.

6 hrs / weekon work software should do

Chaos → one source of truth

Everything pours in. One clean stream comes out.

Emails, receipts, messages, payments and statements arrive from everywhere at once. SmartCFO catches each one, reads it, cleans it, and files it — streaming a single, ordered ledger you can actually trust.

Invoice emailGmail

“Paid you today”Slack

Coffee receiptPhoto

Bank statementFeed

Vendor PDFDrive

SmartCFOreading…

Unified ledger Live

Talk to your finances · MCP

Ask your favourite AI. It already knows your books.

SmartCFO speaks MCP — the open protocol behind Claude, ChatGPT and the assistants you already use. Connect once, then just ask. Your AI reads live cash flow, invoices and expenses straight from SmartCFO — securely, and only what you allow.

Works with Claude, ChatGPT & any MCP client
Permissioned & read-only by default — you choose what it sees
Live answers from your real ledger, never stale exports

✳ClaudeSmartCFO connected

How's my cash flow this month?

Calling SmartCFO · get_cash_flow

You're healthy — $45,000 in the bank, up 12% on last month. Heads up: Client A ($1,850) is due in 5 days.

Reply to Claude…

ChatGPTSmartCFO connected

Which client is most profitable?

Calling SmartCFO · client_profitability

Loom Studio — 42% margin across 6 projects. Northwind bills more, but sits at just 18%.

Message ChatGPT…

The system

Six chapters of quiet, relentless automation.

01 — AI FINANCIAL BRAIN

That reads your mind.

Self-learning AI

It analyses every transaction, predicts cash flow, spots opportunities and alerts you to risk before it becomes a problem. It learns your patterns and gets sharper every time you use it.

Predictive cash-flow analysis
Risk detection & alerts — before problems happen
Ask “how much did I spend on marketing?” and get a real answer
Proactive nudges: “Send invoice PRJ-2024 now”

“AI alerts you before problems happen, not after.”

Forecast

Projected cash flow · next 6 months

02 — SMART INVOICING

Send it once. It chases the rest.

Billing on autopilot

Draft a branded invoice in seconds and hit send — that's your whole job. From there the AI picks the terms, nudges late payers, retries failed cards, and collects through Stripe. You do one thing; SmartCFO does the follow-through.

Custom branding & templates
Recurring billing — set once, bill forever
Shareable Stripe links — no client login required

Live · this invoice

You send itDay 0 · branded & readyYOU

Smart reminderDay 3 · perfectly timed nudgeAI

Retry + payment linkDay 5 · Stripe, no login neededAI

Paid & reconciledFiled to your ledger automaticallyAI

6 daysaverage time to paid — you touched it once

03 — EXPENSES & RECEIPTS

Every expense gets smarter.

On complete autopilot

Snap a photo, forward a receipt — the AI does the rest. Automatic categorisation, tax handling and vendor tracking, with zero manual data entry.

Smart receipt scanning
AI categorisation that learns your patterns
Bulk expense & income entry
Vendor relationship tracking

1 · Scanning

Receipt → categorised → filed

VendorBlue Bottle Coffee

Amount$18.40

Tax$1.40 VAT

Categorised as Meals · Client A

Filed to expenses

Blue Bottle CoffeeMeals · Client A−$18.40

04 — REPORTS & INSIGHTS

Decision-ready financial reports.

Data into decisions

Turn complex financials into insight you can act on — P&L, cash flow, tax and client profitability, exportable in any format, updated in real time.

P&L, cash flow & VAT / tax reports
Client profitability breakdowns
One-click export, any format
Real-time interactive dashboards

Financial reports Export

Profit & LossTrailing 6 months+$18,400 net · +12%

AUGSEPOCTNOVDECJAN

Client profitabilityBy margin · this yearLoom Studio top · 42%

Loom Studio42%

Client A33%

Meridian25%

Northwind18%

Vendor spend8 vendors · this quarter$3,142 total

AWS$1,240

Notion$720

Figma$480

Adobe$312

05 — TEAM & CLIENT PORTAL

Work together, grow together.

Role-based & secure

Give your team a workspace and your clients a front door — invoices, project progress and messaging — without exposing anything they shouldn't see. Every action leaves an audit trail.

Role-based permissions per project & member
Real-time messaging & presence
Client portal with separate, secure login
Complete activity & audit trail

Your team 3 seats

YouOwnerFull access

AnaBookkeeperFinance only

SamDesignerProjects only

Client portal · Client A separate login

Their invoices & payments Their project progress Message your team

Everything else stays hidden

Ana viewed the Q1 P&L · 2m agoAudit trail

How it works

From setup to autopilot in minutes.

Minute 1

Connect

Set up your company, currency and tax in one guided flow — then link the tools you already use.

Day 1

Automate

Send invoices, forward receipts, and let the AI start learning how your business actually runs.

Ongoing

Get ahead

Watch cash-flow forecasts, risk alerts and reports do the analysis you used to do by hand.

Pricing

Simple pricing. No surprises.

Both plans include a 60-day free trial. No credit card required to start.

Simple Start

Perfect for freelancers & solopreneurs

$5/mo · or $48/yr

Start Free Trial

1 user · 20 invoices / month
Unlimited clients & invoice storage
Income & expense tracking
Basic reports & PDF export
Invoice creation & client management
Email support

Everything you were about to ask.

Do I need a credit card to start?

No. Every plan includes a 60-day free trial with no card required.

Can I switch plans later?

Yes — upgrade or downgrade at any time as your business grows.

Is my financial data secure?

Yes. SmartCFO uses 256-bit encryption, two-factor authentication, and maintains a complete audit trail on every account action.

Can my clients see each other's data?

No. Clients get their own secure portal login limited to their own invoices, projects and messages.

Does SmartCFO support multiple currencies?

Yes, on the Plus plan, with live exchange-rate updates.

What if I go over my invoice limit on Simple Start?

You'll get a warning as you approach the limit, and can upgrade to Plus for unlimited invoices at any time.