Financial intelligence for QuickBooks
Your books know the answer. Now you will too.
33 million businesses run on QuickBooks. Most need a CFO’s judgment but can’t justify the salary. Connect your books in five minutes — we’ll show you where you’re overpaying, where cash is stuck, and exactly what to do about it.
No credit card · Read-only access · SOC 2 Type II ready
The problem
A full-time CFO costs $250,000 a year.
You don’t need one full-time. You need one when you need one.
Every week, a question hits your desk that a CFO would answer in five minutes. Can I afford this hire? Why is cash tight when we’re profitable? Is my pricing right? Should this vendor cost this much? When do I owe taxes?
You either guess, wait for the quarterly call with your accountant, or push it off another week. BalanceSheets answers every one of those questions — in real time, from your actual books.
Every week, answered
The questions you ask yourself every week.
Can I afford to hire two more people?
See the full cash impact of any hire — salary, taxes, benefits — against your actual forecast. Not a guess. A model.
Why is cash tight when we're profitable?
We trace every dollar from invoice to deposit — receivables aging, payables timing, conversion gaps. You'll see exactly where the money is stuck.
Am I getting screwed by any of my vendors?
Every recurring charge benchmarked against market rates. Specific overpayments, specific alternatives.
Should I be an S-corp by now?
Entity analysis runs continuously. We tell you when the math flips — and draft the analysis for your CPA.
Is this customer going to pay?
We flag the invoices most likely to go overdue — and follow up with calls and texts so you don't have to.
Could I get a better rate on that loan?
We shop your terms against a dozen lenders. Pre-qualified offers, usually within 24 hours.
What's this business actually worth?
A live valuation, updated monthly, based on your actual earnings and real comparables. Defendable if anyone asks.
How would a recession hit me?
Stress-test scenarios run in seconds. We tell you how many months of cash you'd have at −20% revenue.
What do I tell my spouse about this month?
Plain-English reports generated from your actual books. Clear enough to share with anyone.
Am I missing tax stuff?
Quarterly estimates, R&D credits, year-end moves — flagged months before the deadline. Your CPA will thank you.
Should I do this deal?
Analysis built on your actual margins, cash flow, and capacity — not generic advice from an AI that doesn't know your business.
Cost savings scanner
The average business we scan is overpaying by $47,329/yr.
Payment processors overcharging on every swipe. Payroll providers you outgrew two years ago. SaaS licenses nobody’s using. Cash earning nothing while high-yield accounts pay 5%. Insurance you haven’t quoted in years.
Run the free scan$ scanning 2,847 transactions across 8 vendors...
Full platform
The scan is how we meet you.
Once your books are connected, the analysis runs continuously. Cash monitoring, vendor audits, tax planning, forecasting — the work a $250K CFO does, for less than your phone bill.
KNOW
- Real-time financial dashboard
- Business health score
- Industry benchmarks
- Smart cash & customer alerts
- AI chat grounded in your books
SAVE
- Automated savings scanner
- Vendor & contract management
- Treasury optimization
- Tax strategy + R&D credits
- Expense policy + receipt AI
PLAN
- Cash flow forecasting
- Three-statement model
- Scenario modeling + Monte Carlo
- Budget vs. actual variance
- Compensation modeling
GROW. RAISE. EXIT.
- AR collections via AI calls & SMS
- Business credit monitoring
- Lender marketplace
- Board & investor packets
- Monthly valuation tracking
- M&A advisory — buy or sell
AI financial advisor
Ask it anything.
It’s read every transaction.
Most AI makes things up. BalanceSheets is grounded in your books — every answer cites real numbers, and you can click through to the transaction behind it.
Works with your CPA
Your accountant will love us.
BalanceSheets isn’t replacing your CPA — it’s making them ten times more effective. They get clean books, organized tax packages, a full audit trail, and a client who finally understands what they’ve been explaining for years.
We handle the daily. They handle the judgment.
“My clients on BalanceSheets show up to year-end with books I’d close in a day. It used to take a week.”
Security
Built for businesses that get audited.
SOC 2 Type II
Audited annually
AES-256
Encrypted at rest & in transit
Read-only
We never write to your books
Audit trail
Every action logged
Your data only
Never sold or trained on
Connects with
Real results
What businesses are finding.
$61,400/yr
Top category: Payment processing
$34,200/yr
Top category: Supply vendors
$112,800/yr
Top category: Equipment leases
$42,600/yr
Top category: Software stack
$18,900/yr
Top category: Vehicle insurance
$87,300/yr
Top category: Cloud infrastructure
Based on typical scan results. Your savings will depend on your business.
Pricing
Less than your phone bill.
Or less than your CFO.
Books
Less than your accounting software.
- Financial health score + live dashboard
- QuickBooks/Xero + 1 bank account
- Monthly savings scan
- Savings marketplace
- Cash & deadline alerts
- Business credit monitoring
- Lender marketplace
- AI chat — 50 questions/mo
- 1 user, 1 entity
Operator
PopularLess than a bookkeeper.
- Everything in Books, plus:
- Unlimited banks & AI chat
- Cash flow forecasting
- Scenario modeling
- Industry benchmarking
- Tax strategy + R&D credits
- Budget vs. actual with AI explanations
- Vendor audit & negotiation intel
- CPA-ready reports & tax packages
- 3 users, 1 entity
Boardroom
Less than a fractional CFO.
- Everything in Operator, plus:
- Three-statement model
- Monthly valuation
- Board decks + investor packets
- Compensation intelligence
- 409A valuation (1/yr)
- AR collections engine
- 5,000 AR outreach sends/mo
- 10 users, 3 entities
Command
Less than a full-time CFO.
- Everything in Boardroom, plus:
- Unlimited entities & users
- Financial Command Center
- Treasury optimization
- Compliance + audit trail
- M&A advisory (1 deal/yr)
- Dedicated success contact
- White-glove onboarding
- SLA + SOC 2 report
Add-ons — available on any tier
Five minutes. No credit card.
See your savings before you decide.
Most businesses find $5,000+ in their first scan. At $10/mo, the plan pays for itself fifty times over.
Run the free scan →