Intelligence: included in all plans

Every month, Fynease briefs
your management team.

Turn the completed close into a management briefing for QuickBooks Online companies, built from accounting evidence. Every finding is ranked. Every number traces back to the ledger. Every quantified action discloses its assumptions. Included in every Fynease plan.

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Traceable
Every number from the ledger
Every figure opens to its source
Five lanes
Revenue, gross margin, OpEx, EBITDA, cash and runway
Four questions each, every month
Included
In every Fynease plan, no separate Intelligence tier
Valuation add-on available at $249/client for QoE and exit readiness
The briefing, as delivered

Not a mockup.
This is the actual output.

Every figure below traces to the ledger, the schedules, or a saved forecast version. Benchmark bands disclose their vintage. Sensitivity levers disclose their basis. Open any finding to see the entries behind it.

Executive briefing for August 2026 assembled from ranked findings, the Bank of Canada rate with its cost on floating debt, and KPI cards for revenue, gross margin, OpEx, EBITDA, cash runway, headcount, revenue per employee, payroll share, current ratio and debt service coverage
Revenue, Gross Margin, and Operating Expenses lanes each showing what happened, why it happened, what's next, and how to make it happen
EBITDA and Cash and Runway lanes: the EBITDA change split into revenue, margin and spend, actuals beside the Auto Forecast, the levers and signals, the cash movement split into operations and working capital, committed loan, lease and hiring payments, and runway under base, levers and a 10 percent revenue drop

Ranked findings lead with the biggest story. Market context uses central bank rates and prices them against your floating debt. Headcount, revenue per employee, payroll share and debt service coverage sit alongside the financial lanes · Demo data

Revenue decomposed into new logos, expansion, contraction and churn, named by customer. Contracted versus modeled revenue for the next three months. OpEx movers by account group, with unusual months flagged. Quantified levers with their assumptions disclosed · Demo data

The EBITDA change ties to revenue, margin and spend by construction. The cash movement separates the operating result from working capital. Committed loan, lease and hiring payments are listed, and runway is shown under the base case, the levers and a 10% revenue drop · Demo data

The board pack

Stop rebuilding the board pack. It builds from the close.

Statements, key metrics, trends and bridges come from the same closed books as the briefing, laid out on paper and exported as a PDF or a workbook.

Quarterly board pack · three of its eighteen pages · Demo data

Forecasting

A three-statement forecast that builds itself from the ledger.

The Auto Forecast is ready from the closed books with nothing to type in: revenue from each account's own trend, or customer by customer where a few customers carry the business; each cost from its own history, including how it moves with revenue; payroll by employee, with planned hires listed separately. It projects the income statement, the balance sheet and cash together for three or five fiscal years, and moves when a month closes.

  • Every learned assumption shows the history behind it, and any of it can be overridden.
  • Your schedules feed it directly: depreciation from the fixed asset schedules, interest and principal from loans and leases (the forecast balance sheet carries the debt they amortize), and contracted revenue from deferred revenue schedules, shown apart from modeled revenue.
  • Scenarios re-run the same model with a few levers changed (growth, revenue against plan, collections, payments, capital spending) and show what each lever did to ending cash. Upside, downside and largest-segment cases are suggested for you.
  • Save and lock versions, and compare actuals every month against a budget loaded from QuickBooks Online or a spreadsheet.
The Fynease Auto Forecast for the demo company, built from 25 months of actuals with 4 items needing input: this fiscal year projected at $1.91M revenue, 87.8% gross margin, $930K EBITDA and $2.94M cash at year end, and a fiscal-year table of revenue, gross margin, EBITDA and ending cash from two actual years through four forecast years.

The Auto Forecast · two actual years, then the projection by fiscal year · Demo data

13-week cash

Thirteen weeks of cash, named by who pays and when.

Timing comes from the last thirteen weeks of ledger cash activity and the AR and AP aging; amounts from the monthly forecast. The low point is called out with its week.

Fynease 13-week cash flow for OpCo US LLC: a weekly cash bridge from the actual weeks, through now, to the end of the forecast, and the table beneath it from opening cash through inflows, outflows and net cash flow to ending cash for all thirteen forecast weeks, with the low point of 113,590 dollars in the week of November 23 called out

13-week cash · actual weeks, then the forecast, bridged week by week · Demo data

The concept

Analysis you can check.

Every insight is generated from accounting evidence. Every bridge reconciles. Every quantified action discloses its assumptions. Every number can be traced back to the ledger.

Same inputs, same briefing: but reproducible is not the same as correct, since a wrong formula repeats the same wrong answer. So the briefing is built to be checked: every figure traces to the ledger, every bridge ties or is withheld, every assumption is shown.

"Revenue fell" is an observation. "Revenue fell because of $127K in churn from three named customers, with 93% of next quarter already contracted" is a finding you can open and check.

Assembled from ranked findings
Findings ranked by impact. The biggest story leads, not an alphabetical list of KPIs.
Every number from the ledger
Historical figures come from the adjusted trial balance and the schedules. Outside data, such as benchmarks and central bank rates, is labeled with its source, and forward figures show the forecast assumptions behind them.
Bridges that tie by construction
EBITDA bridges, revenue bridges, cash bridges: every one reconciles to zero variance. If it doesn't tie, it doesn't appear.
Assumptions disclosed
Sensitivity levers show their basis on hover. Benchmark bands disclose their vintage and source. No black boxes.
The management briefing

Five lanes. Four questions.
Every month.

Fynease applies the same reasoning framework to every operating lane. What happened, why it happened, what happens next, and what to do about it. That consistency trains management to reason through financial performance the same way a strong CFO would.

📈
Revenue
What we earned, why it moved, where it's heading, what to pull.
1
What happened?
Did revenue grow, and is it good revenue? Quality of Revenue score, AR quality signal, growth vs industry benchmark band.
2
Why did it happen?
New, expansion, price, or churn? Revenue bridge decomposed by component. Churn identified. Price-volume-mix at item level.
3
What happens next?
How much is already contracted? Deferred revenue schedules show committed revenue 3 months forward. Modeled revenue fills the rest.
4
What can we pull this month?
Ranked action signals: lost vs won revenue, concentration risk, collection urgency from AR aging overlay.
▤
Gross Margin
The quiet leak.
1
Where does margin sit?
Gross profit vs prior year and budget. Per-customer margin where costs are dimensioned. Rate vs mix decomposition.
2
Rates, or mix?
GM bridge with rate-on-retained and price-vs-cost drill. Whether margin is falling because costs rose or because the revenue mix shifted.
3
Where does it drift?
Forecast margin over the next quarter, re-snapshotted automatically when the forecast updates.
4
What closes the gap?
Pricing levers, cost tagging gaps, customer-level margin improvement opportunities from dimension data.
⚖
Operating Expenses
Where the growth got spent.
1
How much, and is it leveraged?
OpEx vs prior year. Whether expenses grew faster or slower than revenue. Statistical anomaly detection flags unusual movements.
2
What grew?
Top movers vs prior year by CoA group (contractors, salaries, travel, marketing), ranked by EBITDA impact.
3
What's committed?
Forecast OpEx over the next quarter. Loan, lease, and payroll obligations already scheduled.
4
What can we trim?
Ranked cost reduction signals: vendor spend, headcount leverage, unusual variance items flagged for attention.
∿
EBITDA
The scorecard that ties it together.
1
What did the month earn?
EBITDA total, variance vs prior year and budget. Industry benchmark band: where this result sits against comparable businesses.
2
Revenue, margin, or spend?
EBITDA bridge decomposed into revenue, margin, and OpEx contributions. Ties to the other lanes by construction, no rounding variance.
3
Where does it land?
12-month EBITDA trajectory from the working forecast. Margin as a percentage of revenue, not just a dollar figure.
4
What do the levers add up to?
Quantified action signals across revenue, margin, and cost, summed into a total recoverable EBITDA impact for the month.
$
Cash & Runway
The number the founder loses sleep over.
1
How much runway is left?
Cash and runway based on gross burn (3-month average). DSO vs industry benchmark. All from synced GL data, not manual entry.
2
Operations, or working capital?
Cash bridge: operating result, AR movement, AP movement, debt and equity. Shows exactly where cash went, not just that it left.
3
Any squeeze ahead?
13-week cash flow forecast at weekly grain. Loan and lease payments already scheduled. AR aging overlays with collection timing. Forecast low point shown with date and amount.
4
How do we buy back cash?
Sensitivity levers with quantified one-time impact: extend supplier terms, accelerate collections. Each lever discloses its assumption.

Deterministic briefing: every figure from the ledger, the schedules, or a saved forecast version. Benchmark bands are a curated pack, not live market data. Always labeled.

The full analytical toolkit

Everything behind the briefing.

The briefing surfaces the most important findings. Behind it is the full analytical layer, available for drill-down, client presentations, and board packs.

📉

Variance analysis

Actual vs. budget vs. prior period across every line. Driver-level explanation of what changed and why: volume, price, mix, one-time items. Formatted for executive presentation, not just accounting review.

📊

Price-volume-mix analysis

Decompose revenue and margin movement into price, volume, and mix components across products, customers, and business segments. The analysis that separates real performance from noise.

📈

Revenue and gross margin attribution by customer

See exactly where revenue and gross margin are coming from, by customer, segment, and product line. Every number traces back to the close data Automate produced.

🗂️

Segment, customer, and product profitability reporting

Define any reporting dimension: customer group, product line, geographic segment, or business unit. Fynease allocates revenue and costs and produces contribution margin by segment every close.

⭐

Quality of revenue

Classify revenue as recurring, non-recurring, one-time, or project-based. Cohort analysis, customer concentration, churn indicators, and revenue predictability scoring: the analysis any investor or acquirer will ask for first.

🧾

AR quality analysis and scoring

Analyze accounts receivable aging by customer, assess collection risk, and score AR quality across your portfolio. Identify concentration risk and flag receivables that need attention before they affect cash position. Understand the true collectability of what's on the Balance Sheet.

⚖️

Breakeven analysis

Fixed vs. variable cost decomposition, contribution margin by product and segment, breakeven revenue calculation. Margin sensitivity to volume and price changes, essential for pricing and growth decisions.

🎯

KPI engine

Track burn rate, runway, DSCR, gross margin, customer acquisition cost, lifetime value, and any custom metric relevant to your client's business. Actual vs. target with trend visualization.

🔭

Forecasting

The Auto Forecast: income statement, balance sheet and cash for three or five fiscal years, built from the ledger. Scenarios with suggested upside and downside cases, saved and locked versions, and actuals compared each close against a budget loaded from QuickBooks Online or a spreadsheet. See the forecast

🏷️

Transaction-readiness signals

Revenue quality scoring, EBITDA trend analysis, working capital behavior, customer concentration, and one-time item flags, surfaced continuously as part of monthly reporting. These are the early signals that tell you whether a client is ready for a process. Formal quality of earnings, EBITDA normalization, DCF, and the working capital peg live in the Valuation module.

📋

Board and investor pack composer

Assemble monthly or quarterly board packs from your Intelligence outputs: financial highlights, KPI dashboard, variance commentary, forecast update, and key decisions required. Consistent format across every client, every period.

Pricing

Included in all plans. Valuation available as an add-on.

Every Fynease plan includes the full Intelligence feature set: variance analysis, forecasting, KPIs, board packs, and revenue attribution. The Valuation add-on activates per client for QoE and exit readiness work.

✓ Included in all plans
Variance analysis · Forecasting · KPIs · Board packs · Revenue attribution
from $199/mo
Valuation add-on
Quality of earnings · Exit readiness · Investor reporting · Per client
$249/client/mo

Free 14-day trial · No credit card required

Start free trial See full pricing
Common questions

Questions about the briefing

Answers on deterministic analysis, what the briefing covers, and how it differs from AI-generated commentary.

What is a management briefing in Fynease?
A structured monthly document covering five operating lanes: revenue, gross margin, operating expenses, EBITDA, and cash and runway. Each lane answers the same four questions: what happened, why it happened, what happens next, and what management can do about it. It is produced automatically once the close locks, from the same reconciled data.
Does Fynease use AI to write financial commentary?
No. All analysis is deterministic. Every figure derives from the ledger, the schedules, or a saved forecast version, and every bridge reconciles to zero variance by construction. Running the same period twice produces identical output. Pattern matching is used only to surface candidate transactions for human review, never to compute or assert a figure.
What does deterministic mean in financial reporting?
It means findings are calculated from source records using fixed, reproducible logic rather than generated by a language model. The practical tests are: every number traces to a specific record, the same inputs always produce the same output, bridges reconcile exactly, and every quantified recommendation discloses its assumption. Generated commentary fails all four.
Is Intelligence included in every plan?
Yes. Every paid plan includes the complete Intelligence layer: the briefing, variance and price-volume-mix analysis, revenue attribution by customer, forecasting, KPI dashboards, AR quality scoring, and board packs. Plans differ by client and entity capacity, not by feature. There is no separate Intelligence tier to activate.
Does Intelligence require Fynease Automate?
Yes. Intelligence runs on Automate-transformed data. The reliability of every variance, bridge, and forecast depends on the close adjustments and audit trail Automate produces. Raw QuickBooks Online data is not a sound foundation for CFO-grade analysis, which is why the two are always sold together.
What is the difference between Intelligence and Valuation?
Intelligence is the monthly reporting layer included in every plan: briefings, variance analysis, forecasting, and board packs. It surfaces transaction-readiness signals such as revenue quality and working capital behavior on an ongoing basis. Valuation is a per-client add-on at $249 per month for formal work: quality of earnings, EBITDA normalization, DCF, and the working capital peg.
How long does it take to produce a board pack?
Once the close runs in Automate, Intelligence generates the variance analysis, KPI updates, and forecast revisions automatically. The board pack composer assembles them into a formatted package, so assembly becomes a review step rather than a rebuild and can happen the same day the close completes.

The close is standardized.
The advice is yours.

Intelligence turns your reconciled Automate financials into a management briefing automatically. Your time goes into interpretation and advice, not assembling spreadsheets.

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