The AI CFO for owner-operated businesses

QuickBooks tells you what happened.
MainStreetCFO tells you what's coming.

See where cash is headed, what could tighten it, and what needs your attention before payroll, bills, or taxes catch you off guard.

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Read-only connection7-day free trialCancel anytime

Your books can be accurate and still leave you unprepared.

QuickBooks does an important job. It records what happened and reports it accurately. Your bookkeeper is not the problem.

But running a business asks a different question. What is about to happen? Which invoices need attention? Can you afford the hire? What changed since last week, and does it matter?

MainStreetCFO turns the books you already keep into a forward view of the business.

Know where cash is headed

See your expected cash position before payroll, bills, taxes, and other commitments land.

Know what is changing

Understand which customers, expenses, and decisions are moving your outlook this week.

Know what to do next

Get a short list of the items that actually deserve your attention right now.

Ask the questions that usually keep you up at night.

This is the real interface. Pick a question and see the answer you get back.

app.mainstreetcfo.ai/dashboard
MainStreetCFO
Connected: QuickBooks

See upcoming payroll alongside expected customer payments and other obligations.

Cash Around Payroll

Illustrative, sample data

Next Payroll — Aug 15

$28,600

Projected Cash After Payroll

$18,700

Comfortable Buffer

$25,000

See Full Cash Outlook →

Sample books. Your dashboard runs on your own QuickBooks data.

Intuit-approved

Passed Intuit’s security assessment for QuickBooks Online

Read-only

We can read your books. We can never change them.

AES-256

Encrypted at rest and in transit, isolated per company

No contract

7-day free trial, cancel any time

Read the full security overview →

How It Works

Connected in one click. Answers in five minutes.

01

Connect QuickBooks

One click, read-only. Accounts, invoices, and transactions sync automatically. No QuickBooks? Upload a CSV, Excel, or PDF instead.

02

It Learns Your Business

Your industry, your goals, your patterns. It remembers, so you never explain your situation twice.

03

Ask Anything

Plain English questions, answers backed by your actual numbers. Click any figure to see the transactions underneath it.

Real Scenarios

It knows what your industry actually worries about

A roofer and a dental practice do not have the same cash problem. These are the questions owners actually ask.

HVACSeasonal swing
You
asks

Can I hire another tech and still cover payroll through January?

AI CFO responds

Yes, with one caveat. The tech runs about $6,800/mo fully loaded. Your December to February revenue averages 41% below your summer peak, so the hire lands in your thinnest quarter. You clear payroll every month, but your February low point drops to $31K. Either delay the start to March or collect the $54K sitting in commercial AR past 60 days first.

How this works for hvac →
RestaurantsFood cost 34.2%
You
asks

Sales were up last month. Why is cash still tight?

AI CFO responds

Sales rose 9%, but food cost went from 29.8% to 34.2% of revenue and weekend labor grew 11%. Those two moves ate the entire increase and then some. Add the quarterly insurance payment that hit on the 12th and you finished the month down $4,100 in cash on higher sales.

How this works for restaurants →
Professional Services38% concentration
You
asks

What happens to our runway if we lose our biggest client?

AI CFO responds

That client is 38% of trailing revenue and pays on 45-day terms. If they gave notice today you would keep collecting for about six weeks, then drop to a $52K monthly gap against $61K of payroll. Current cash covers 4.1 months at that burn. Two accounts have also gone quiet this quarter and are worth a call before they become the same problem.

How this works for professional services →

Illustrative figures typical of each industry, not any customer's books.

Built for your industry

ManufacturingRestaurantsHVACPlumbingRoofingElectricalDentalMedicalProfessional Services

Ready to meet your AI CFO?

Start for free. No credit card required. Upload your first file and get insights in under 5 minutes.

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Your accounting system records the business.
MainStreetCFO helps you run it.

MainStreetCFO does not replace QuickBooks. It makes the information already inside QuickBooks more useful for the decisions ahead.

Your books stay exactly where they are. The connection is read-only, so nothing in QuickBooks is ever changed.

QuickBooks

Last month’s revenueWhere revenue is heading
Which invoices are unpaidWhich to chase first
What you spentWhat is creating pressure
Today’s cash balanceCash after what is coming
Historical reportsPriorities and scenarios

What's Under the Hood

Everything you just saw, in detail

For the part of you that wants to know exactly what it does before you connect anything.

Connects to QuickBooks in one click

Read-only and Intuit-approved. Your accounts, invoices, and transactions stay current without a single manual export.

  • Passed Intuit’s security assessment
  • Read-only, nothing in your books changes
  • Syncs on its own, no exports to maintain

Answers questions, not report requests

Ask in plain English and get an answer built from your own numbers, with the chart to back it up, while you are still looking at the page.

  • Chat on every page, in context
  • Charts generated from your data on request
  • Suggested questions based on what changed

Tells you before it becomes a problem

It watches runway, receivables, and spending patterns between logins, and flags what moved before it reaches your bank balance.

  • Cash runway alerts
  • Receivables aging warnings
  • Unusual spending flagged against your own trend

Shows its work on every number

Click any figure to see the transactions underneath it. Nothing is a black box you have to take on faith.

  • Revenue by customer, recurring split out
  • Expenses by category with sub-totals
  • AR and AP with days outstanding

Models the decision before you make it

See cash 4 to 52 weeks out, then move the assumptions and watch the line change. Hires, purchases, and slow seasons, before you commit.

  • Base, optimistic, conservative, and stress cases
  • Revenue and expense sliders
  • One-time events like a truck or a buildout

Remembers your business

Your industry, your goals, your patterns, carried from one session to the next. You never start over or explain your situation twice.

  • Context persists across sessions
  • Company profile builds itself from your answers
  • Advice narrows to your industry over time

Built for the owner who is also the finance department.

MainStreetCFO is designed for owner-operated businesses that have outgrown managing cash from a bank balance but are not ready to hire a full-time CFO.

Not sure you fit? The list is a guide, not a gate. If most of it sounds like you, the trial will tell you the rest in a few minutes.

This is you if

  • You run an owner-operated business
  • You do roughly $500K to $10 million in revenue
  • Your books live in QuickBooks
  • You have no full-time CFO or finance team
  • You make decisions from bank balances, reports, and spreadsheets

Also built for

  • Fractional CFOs running several clients at once
  • Bookkeepers and accountants who want the analysis done
  • Early-stage founders who need the picture before the revenue

From our conversations

What we hear on calls

Owners, operators, and the CFOs who advise them, describing the same problem in different words. If any of it sounds like your week, you are the reason we built this.

I spent fifteen years chasing a penny through our old system trying to work out where it went.
Owner, residential real estateDesign partner, on reconciling by hand
My clients are owner-operators. They find out they are short for payroll the week it is due, not before.
Fractional CFO, healthcareProspect, on the top need across his engagements
Our investor looks at the receivables number and ignores what it actually costs to run the place.
Controller, manufacturingDesign partner, on reporting to outside capital
Five metros and four service lines, and no single view of which ones actually make money.
Owner, multi-state field servicesDesign partner, on running a multi-site operation

Paraphrased from real design partner and prospect conversations. Names and companies withheld.

Pricing

Start free. Upgrade when it earns it.

Connect your books and see what it finds. Move up a tier only when you want the forecasting, the alerts, and the weekly briefing.

Free

See it working on your own books.

$0forever

No card required

  • 1 company
  • Dashboard with KPIs (view only)
  • QuickBooks Online connection
  • AI chat (20 msgs/mo)
  • 1 seat
Start Free

Starter

For the owner who wants the full picture.

$59/month

or $637/year, save 10%

  • 1 company
  • QuickBooks Online sync
  • Full dashboard with drill-downs
  • Financial statements
  • AI chat (300 msgs/mo)
  • AI memory & soul
  • Basic alerts (top 3)
  • 1 seat included
  • $15/additional seat
Choose Starter
Most popular

Growth

Forecasting and alerts, for a growing business.

$149/month

or $1609/year, save 10%

  • Up to 3 companies
  • Everything in Starter
  • AI chat (unlimited)
  • AI dashboard visualizations
  • Cash flow forecasting
  • Full alerts & early warnings
  • Margin analysis
  • Recurring vs non-recurring revenue
  • 3 seats included
  • $15/additional seat
Choose Growth

Pro

Scenario planning and a weekly CFO briefing.

$299/month

or $3229/year, save 10%

  • Up to 10 companies
  • Everything in Growth
  • Growth planner (scenario modeling)
  • CFO briefing (weekly AI summary)
  • Custom alert thresholds
  • Audit log
  • Priority support
  • 5 seats included
  • $15/additional seat
Choose Pro

Every paid tier includes a 7-day free trial. Cancel any time. Talk to us about enterprise or volume pricing.

Design Partner Program

Want to shape what we build next?

We take on a small number of founding partners at a time. You get the product free while you help us aim it, and a price that never goes up.

Apply to be a design partner

A short email is enough. We reply the same day.

What you get

  • Full Pro access free for 90 days
  • 50% off any tier, locked in for life
  • Onboarding with the founders

What we ask

  • A 15-minute call each week
  • Honest reactions when something breaks
  • Permission to quote you in a case study