Overdue invoice
High priority$18,400
Meridian Retail Group · INV-1042 · 23 days past due
Two invoices are overdue, totaling $24,650.00. Meridian is the one that moves cash before payroll.
Review invoice
The financial
clarity of a CFO.
Without hiring one.
CFO12 helps you understand your financial position, spot risks earlier, and see what deserves your attention, without building a full finance team.
The watch
Accounting that watches your money.
CFO12 does not wait for month-end. Cash, what customers owe, what the business owes, and whether the month is profitable stay in view together. One financial state, not four reports you have to remember to run.
Hudson Studio
Watching- Cash2 accounts
- $47,820.00
- Overdue invoices2 invoices
- $24,650.00
- Unpaid bills4 bills
- $28,940.00
- This month profitSeptember 2026
- $12,480.00
General ledger
Hudson Studio LLC
AccountDrCrChase Business Complete$38,420.00Chase Business Savings$9,400.00Meridian Retail Group · INV-1042$18,400.00ADP Payroll · BILL-891$18,640.00Overdue invoices$24,650.00Cash on hand$47,820.00
CFO12 Intelligence Assistant (Sia)
CFO12 Intelligence Assistant (Sia) watches, so you do not have to hunt through it.
Business Time: 09/18/2026 | 09:00 PDT
Business : Hudson StudioMC
Dashboard - Hudson Studio
What needs your attention
3 items to reviewCFO12 AI found a few items worth a closer look.
Monitoring last 30 days · Books 94% classified
Cash position
Needs action$8,550
Timing gap by Sep 25 if overdue invoices stay unpaid
Bills through payroll total $25,540.00. Expected receipts without the overdue invoices are $16,990.00.
See cash outlook
Overdue bills
Needs action$2,100
Adobe · BILL-874 · 3 days past due
Unpaid bills total $28,940.00. Adobe is the only one already late.
Review bills
You're in control. Resolve these items to keep cash, payments, and reporting on track.
Cash overview
Shortfall projected — Sep 25, 2026 · lowest $39,270.00Total cash
Register balance · As of today
$47,820.00
14-day liquidity outlook
True cash · 14-day collections & bills window
$57,910.00
14-day breakdown
Cash runway
True cash ÷ average daily burn
39 days
Burn assumptions use True cash ÷ daily burn.
30-day cash forecast
Lowest $39,270.00 on Sep 25, 2026
Money in & money out
Accounts receivable
Money in
$66,340.00
$24,650.00 Overdue (2)$41,690.00 Due next ~30 days
$0.00 Invoice drafts (not yet sent)0 of 5 created this month
Accounts payable
Money out
$28,940.00
$2,100.00 Overdue (1)$26,840.00 Due next ~30 days
$0.00 Bill drafts (not yet sent)0 of 4 created this month
Business performance
This month & year to date · AccrualThis month
Month to date · Accrual
$12,480
Net profit / loss
Year to date
Calendar year to date · Accrual
$113,780
Net profit / loss
Revenue (YTD)
$312,400
Expenses (YTD)
-$198,620
Net profit (YTD)
$113,780
Margin (YTD)
36%
Monthly revenue, expenses and profit
Revenue $48,920.00 Expenses $36,440.00 Net Profit $12,480.00
Spending and customer concentration
Expenses YTD · Customers fiscal YTD · AccrualSpending breakdown
View expenses →- Payroll$101,599(51%)
- Contractors$34,884(18%)
- Occupancy$26,163(13%)
- Other operating$17,987(9%)
- Software$11,446(6%)
Total expenses$198,620
Customer concentration
Share of September income from the largest customers
- 38%
Meridian Retail Group
- 35%
Brightpath Clinics
- 17%
Helios Media
- 11%
Westfield Partners
Top customers · $48,920.00 September income
Accounts & financial position
Cash accounts
Add account| Account | Balance | Pending | Last sync | Actions |
|---|---|---|---|---|
| Chase Business Complete | $38,420.00 | 3 | Sep 18, 2026 | View details |
| Chase Business Savings | $9,400.00 | 0 | Sep 18, 2026 | View details |
| Total cash | $47,820.00 | |||
Balance Sheet
Hudson Studio
As of September 18, 2026
AssetsAmount
Current Assets$114,160.00
Fixed Assets$28,640.00
Total Assets$142,800.00
LiabilitiesAmount
Current Liabilities$33,200.00
Long-term Liabilities$22,000.00
Total Liabilities$55,200.00
EquityAmount
Equity$87,600.00
Total Liabilities & Equity$142,800.00
The books are already keeping score.
Sia reads them. Early access, for now.
The camera enters the books.
What is my current cash position?
Which invoices are overdue?
Based on upcoming receivables and payables, should I be concerned about cash flow?
The books keep watching.
Ask
BetaAsk CFO12 the way you would ask a person.
These are questions CFO12 Intelligence Assistant (Sia) is built to take. Each reply below is read from the same sample books as the film.
What is my current cash position?
$47,820
Cash across accounts
You currently have $47,820.00 across 2 accounts.
Sample books · Hudson Studio. These figures are not yours.
What is my current cash position?
$47,820
Cash across accounts
You currently have $47,820.00 across 2 accounts.
Sample books · Hudson Studio. These figures are not yours.
Product
CFO12 sits on a real set of books.
Cash, receivables, payables, profit and loss, expenses, customers, the balance sheet, and the bank accounts underneath. The conversation is a way into this system, not a replacement for it.
Dashboard
Dashboard - Hudson Studio
What needs your attention
3 items to reviewCFO12 AI found a few items worth a closer look.
Monitoring last 30 days · Books 94% classified
Overdue invoice
High priority$18,400
Meridian Retail Group · INV-1042 · 23 days past due
Two invoices are overdue, totaling $24,650.00. Meridian is the one that moves cash before payroll.
Review invoice
Cash position
Needs action$8,550
Timing gap by Sep 25 if overdue invoices stay unpaid
Bills through payroll total $25,540.00. Expected receipts without the overdue invoices are $16,990.00.
See cash outlook
Overdue bills
Needs action$2,100
Adobe · BILL-874 · 3 days past due
Unpaid bills total $28,940.00. Adobe is the only one already late.
Review bills
You're in control. Resolve these items to keep cash, payments, and reporting on track.
Cash overview
Shortfall projected — Sep 25, 2026 · lowest $39,270.00Total cash
Register balance · As of today
$47,820.00
14-day liquidity outlook
True cash · 14-day collections & bills window
$57,910.00
14-day breakdown
Cash runway
True cash ÷ average daily burn
39 days
Burn assumptions use True cash ÷ daily burn.
30-day cash forecast
Lowest $39,270.00 on Sep 25, 2026
Money in & money out
Accounts receivable
Money in
$66,340.00
$24,650.00 Overdue (2)$41,690.00 Due next ~30 days
$0.00 Invoice drafts (not yet sent)0 of 5 created this month
Accounts payable
Money out
$28,940.00
$2,100.00 Overdue (1)$26,840.00 Due next ~30 days
$0.00 Bill drafts (not yet sent)0 of 4 created this month
Business performance
This month & year to date · AccrualThis month
Month to date · Accrual
$12,480
Net profit / loss
Year to date
Calendar year to date · Accrual
$113,780
Net profit / loss
Revenue (YTD)
$312,400
Expenses (YTD)
-$198,620
Net profit (YTD)
$113,780
Margin (YTD)
36%
Monthly revenue, expenses and profit
Revenue $48,920.00 Expenses $36,440.00 Net Profit $12,480.00
Spending and customer concentration
Expenses YTD · Customers fiscal YTD · AccrualSpending breakdown
View expenses →- Payroll$101,599(51%)
- Contractors$34,884(18%)
- Occupancy$26,163(13%)
- Other operating$17,987(9%)
- Software$11,446(6%)
Total expenses$198,620
Customer concentration
Share of September income from the largest customers
- 38%
Meridian Retail Group
- 35%
Brightpath Clinics
- 17%
Helios Media
- 11%
Westfield Partners
Top customers · $48,920.00 September income
Accounts & financial position
Cash accounts
Add account| Account | Balance | Pending | Last sync | Actions |
|---|---|---|---|---|
| Chase Business Complete | $38,420.00 | 3 | Sep 18, 2026 | View details |
| Chase Business Savings | $9,400.00 | 0 | Sep 18, 2026 | View details |
| Total cash | $47,820.00 | |||
Balance Sheet
Hudson Studio
As of September 18, 2026
AssetsAmount
Current Assets$114,160.00
Fixed Assets$28,640.00
Total Assets$142,800.00
LiabilitiesAmount
Current Liabilities$33,200.00
Long-term Liabilities$22,000.00
Total Liabilities$55,200.00
EquityAmount
Equity$87,600.00
Total Liabilities & Equity$142,800.00
Attention, cash overview, money in and out, performance, and accounts. Hudson Studio sample.
Security
Your financial data should be handled carefully. Full stop.
CFO12 is designed around controlled access, secure banking connectivity, responsible data use, and separation between each customer's business information.
Connecting your bank
Plaid-powered bank connectivity
CFO12 uses Plaid to connect with supported U.S. banking institutions. Banking credentials are handled through Plaid rather than shared directly with CFO12.
Encrypted transmission
Financial information is transmitted through encrypted connections between supported services and CFO12.
Connection control
Users can manage connected financial institutions and control which data sources remain linked.
Integrations
Connected where the money already moves.
Banking, online payments, and sales tax. Nothing else is implied.
Banking
Plaid
Connect a bank and import transactions into the books, where they can be reconciled.
Getting paid
Stripe
Connect a Stripe account so the business can take payment online. Those payments go to that Stripe account.
Sales tax
TaxJar
Sales-tax categories can sync from TaxJar. When it is not configured, manual tax rates remain available.
Sign in
Microsoft
Entra ID
Google
Google sign-in
Email
Password
Pricing
Financial clarity now. Powered by AI.
Start with connected banking, bookkeeping, and live financial reports. Upgrade to proactive guidance and forecasting with CFO12 Pro.
CFO12 Core
Early BirdThe connected financial foundation for running your business with clarity.
$20/ business / month
Core includes
- Connected U.S. bank and credit-card accounts through Plaid
- Automatic bank-feed transaction imports
- Payment processing through Stripe
- Automated sales-tax calculations through TaxJar
- Income, expenses, invoices, bills, and journal entries
- Customer, vendor, product, and service management
- Chart of Accounts and bank reconciliation
- Profit & Loss, Balance Sheet, and Cash Flow reports
- Trial Balance, General Ledger, and account reporting
- Up to 3 business users
- CPA/bookkeeper access + up to 2 firm team members
- Report export and audit-trail visibility
CFO12 Pro
BetaProactive financial guidance for owners who need better decisions, not more reports.
$50/ business / month
Early-access Beta with proactive guidance
Everything in Core, plus
- Ask financial questions in plain English
- Proactive financial summaries and priority alerts
- Cash-flow forecasting and runway monitoring
- Revenue and expense trend projections
- Scenario planning for hiring, spending, and payments
- Risk, anomaly, and opportunity detection
- Suggested categorization and reconciliation matches
- Action-oriented financial recommendations
- Up to 5 business users
- AI access subject to a fair-use policy
Each subscription covers one business entity. Additional businesses require separate subscriptions, even when managed through the same login. Planned integrations and AI capabilities will be clearly identified until production-ready.