What does "having a CFO" actually mean?
It's the person who holds the company's money in hand: how much cash you'll have in three months, which customers aren't paying, which products actually make money, what to bring to the bank when you ask for a credit line. In an SME nobody usually does this job: the accountant closes last year's books, the owner decides on instinct. With us you have that person, for the share of time you need, without having to hire them.
How do we start? The first steps
It starts with a free half-hour call on your numbers. If it makes sense to work together, another thirty minutes activates the accesses: the authorization on your electronic invoices and the PSD2 connection to your accounts. From there we do the work. Within the first week you get the first complete picture: projected cash, overdue items, margins. We go through it together in the first review call. Then you settle into the rhythm: a call every week or two, plus him writing to you when something needs it.
How does working with your CFO actually work?
You pick the channel: WhatsApp, email or the dashboard. The conversation is always the same one, only where you write it changes: money questions come up on-site, in the car or at seven in the evening, not in front of a computer. And it doesn't always start with you: if he sees an invoice about to go past due or cash tightening, he writes to you. If you want to look at the numbers yourself there's the dashboard, and you decide who gets in: usually the owner and whoever runs admin, often the accountant too. Everyone has their own login and you can revoke it any time.
Does this replace my accountant?
No. Your accountant handles the balance sheet, tax filings and compliance. We look forward: cash, receivables, margins and decisions. We work and communicate together with them, on the same data: they're often the first person we give dashboard access to.
How much does it cost?
A fixed monthly fee, based on the size of your company and the services you need. No revenue percentage, no surprise costs. We'll give you the exact number on the first call, even if you decide not to start.
How do you get access to my invoices?
All Italian electronic invoices pass through the Revenue Agency's Interchange System (SdI). You give us a consultation authorization: the same instrument your accountant uses, but read-only. We read the invoices you issue and receive; we don't become your intermediary and we can't issue, edit or send anything on your behalf. It's the cleanest data available on your business, and you don't have to upload anything by hand.
And the bank accounts? Is it safe?
We use PSD2, the European regulation that lets banks share account data with the account holder's authorization. Access is read-only: we see transactions, we can't initiate payments. You give the authorization and you revoke it whenever you want.
Who am I actually talking to in chat?
Your CFO: a person, always the same one. Behind the scenes we use a lot of technology, including artificial intelligence, to keep the model updated, pull out numbers and prepare answers quickly. But you're never left talking alone to a machine: what you receive has been reviewed by them, and they're the ones putting their name to it.
Do I have to change ERP or install something?
No. Keep the ERP you use, the accountant you have and the banks you work with. We connect to the data that already exists.
How much of my time does this take?
Half an hour at the beginning to activate the accesses, then a short call every week or every two, whichever you prefer. We do the collecting and organizing of the numbers.
How long until I see something?
The first complete picture, with projected cash, overdue items and margins, is ready within the first week from access activation. The first concrete decisions come in the first review call, usually a week later: that's where we go through the numbers together and decide what to do first.
How do I end the service if I don't need it any more?
It works month to month, with no long contract: one email and we close at the end of the month. You revoke the invoice authorization and the PSD2 access, we hand over the data we've collected and delete the rest. We'd rather you stay because it's useful, not because you signed something.
Who can see my numbers?
Only the team members working on your company. Servers in Europe, GDPR compliant, no third-party data sales. Artificial intelligence runs on the digital twin of your company, which stays yours: your numbers are never used to train public models. You can revoke accesses any time and we delete the data.
