Most CFOs spend 30 minutes every morning logging into bank portals. We're going to delete that.

I asked a construction CFO last month how his Monday morning starts.

He pulled up a sticky note. On it: four bank URLs, four logins, four 6-digit codes.

He opens each portal, copies the operating balance into a Google Sheet. Then he sends his CEO an email: "$3.8M today, payroll Wednesday, we're fine." Then he gets coffee.

That ritual takes him 30 minutes. Five days a week. Fifty weeks a year. 125 hours.

He's not unusual. Most $1–20M-revenue companies have a CFO doing this. Most bookkeeping firms have a senior bookkeeper doing this for every client.

The every morning, again, again, again hasn't changed since the day Excel shipped.

Why nobody fixed this

It's not because the tooling doesn't exist. Plaid has been live since 2013. AI categorization is solved. The 13-week cash forecast is a known quantity. It's because the segment sat in a price gap nobody filled:

• Under $200/mo: tools that ride QuickBooks bank feeds and lag your real cash position by 24-48 hours.
• Above $24,000/year: enterprise treasury workstations that take six weeks to onboard and require a treasury team that doesn't exist at $30M companies.
• Nothing in between had live Plaid bank data, AI insights, and Excel export, until TreasuryFlow.

So founders, controllers, and CFOs at the $1–20M tier did what humans do: they built a spreadsheet, they copied and pasted, they sent the email, they got the coffee.

We built TreasuryFlow to end that: $299/mo per company.

We're not building a "better" spreadsheet. We're trying to make the spreadsheet itself unnecessary, by putting the data where the CFO already works, the moment they need it, in the form they already trust.

What we actually built

TreasuryFlow connects to every bank a company uses via Plaid. It pulls balances and transactions in real-time, runs them through an AI categorizer, and gives you four things:

• A multi-bank dashboard. Total cash, by-bank breakdown, daily change, 13-week runway. The screen the CFO needs at 7 AM, with no logins.
• Excel export. Balances and the rolling forecast pushed into your existing workbook, formulas intact.
• A 13-week rolling forecast that auto-detects recurring transactions, trains nightly on actuals, and flags risk windows.
• A daily 7 AM email. Three numbers, one anomaly callout if there is one, a "you're fine" sentence if there isn't. The 30-second read.

Two months in, the CFO has sent the CEO eight "good morning, here's where we are" emails before being asked.

The bookkeeping firm wedge

About six weeks into selling this to CFOs, three different bookkeeping firm owners reached out unprompted. The pitch they wrote me, condensed:

"We have 22 clients. Each client has 2–4 banks. Every client gets a monthly cash report. Right now, that's 90 minutes per client per month: 33 hours a month, ~400 hours a year. If your tool consolidates all my clients' banks into one screen, my senior bookkeeper isn't a bottleneck anymore. We could double client load without hiring."

So we built a multi-client dashboard: every client's cash position in one row, with click-through to per-client detail.

$299/mo per company. No per-seat fees. See plans →

What we won't do

• We won't be a bank. We won't hold your money.
• We won't charge per seat. We won't do six-week onboarding.
• We won't make you switch tools that already work: TreasuryFlow exports to Excel, alongside whatever else you use.
• We won't pretend the product is finished. It's not. We ship something every week.

Customers tell us what's missing and most of it lands in the next two weeks. That's the deal.

We won't disparage competitors in our marketing. Float, Centime, Trovata, Kyriba: these are real products with real users who are well served. We're for the people they don't fit.

The thing I want you to know

• If you run a $1–20M business and your CFO has a sticky note with bank URLs on it, this is for them.
• If you run a bookkeeping firm and you've stopped taking on new clients because cash work is the bottleneck, this is for you.
• If you're a fractional CFO and you've ever explained to a client why the cash report is dated last Thursday, this is the thing that fixes that.

The free trial is 90 days, no credit card. Start it directly, see the interactive demo with no signup, or book 15 minutes. I'm the one who answers.

The 30 minutes are coming back to your morning either way. We just want you to spend them on the part of the job that actually requires a human.