Most CFOs spend 47 minutes every morning logging into bank portals. We're going to delete that.

I asked a construction CFO last month how his Monday morning starts.

He pulled up a sticky note. On it: four bank URLs, four logins, four 6-digit codes texted to a phone he keeps in his desk drawer. He opens each portal, copies the operating balance into a Google Sheet, then a fifth tab for his Fidelity money-market fund. Then he sends his CEO an email that says "$3.8M today, payroll Wednesday, we're fine." Then he gets coffee.

That ritual takes him 47 minutes. Five days a week. Fifty weeks a year. 196 hours. Almost five working weeks of his year, gone to a workflow that no software company seems to have noticed exists.

He's not unusual. Most $10M–$50M-revenue companies have a CFO doing this. Most bookkeeping firms have a senior bookkeeper doing this for every client they serve. Most fractional CFOs have replaced the spreadsheet with a slightly nicer spreadsheet — but the workflow, the friction, the every morning, again, again, again — that hasn't changed since the day Excel shipped.

Why nobody fixed this

It's not because the tooling doesn't exist. Plaid has been live since 2013. Bank APIs are real. AI categorization is solved. The 13-week cash forecast is a known quantity — every CFO program teaches it.

It's because the segment we're talking about — companies with real cash, real banks, real CFOs, but not yet at enterprise treasury scale — sits in a price gap nobody bothered to fill. Below $250/mo: tools that ride QuickBooks and have no live bank connection. Above $24,000/year: enterprise treasury workstations that take six weeks to onboard and require a treasury team that doesn't exist at $30M companies.

So CFOs at the $10M–$50M tier do what humans do when there's no software for the problem: they build a spreadsheet, they log into things, they copy and paste, they send the email, they get the coffee.

We're not building a "better" spreadsheet. We're trying to make the spreadsheet itself unnecessary — by putting the data where the CFO already works, the moment they need it, in the form they already trust.

What we actually built

TreasuryFlow connects to every bank a company uses via Plaid — Chase, BofA, Wells, Mercury, Fidelity MMF, regional banks, credit unions, the works. It pulls balances and transactions in real-time, runs them through an AI categorizer, and gives you four things:

One: A multi-bank dashboard in your browser that shows total cash, by-bank breakdown, daily change, and 13-week runway. The screen the CFO needs at 7 AM, with no logins.

Two: An Excel add-in. Because the CFO ships board packs in Excel, the controller does variance analysis in Excel, and "use our beautiful web UI instead" is a non-starter. Live bank balances, transactions, and the rolling forecast — all native cells in your existing workbook.

Three: A 13-week rolling forecast that auto-detects recurring transactions (payroll, rent, SaaS, AP cycles), trains nightly on actuals, and flags risk windows before they become problems. The model maintains itself.

Four: A daily 7 AM email. Three numbers, one anomaly callout if there is one, a "you're fine" sentence if there isn't. The 30-second read.

"I started running TreasuryFlow at the end of January. By March, I'd given my CEO eight 'good morning, here's where we are' emails before he asked. He didn't have to ask anymore. That changed the dynamic of every Monday." — Customer, construction CFO, $42M revenue

The bookkeeping firm wedge

About six weeks into selling this to CFOs, three different bookkeeping firm owners reached out unprompted. The pitch they wrote me, condensed:

"We have 22 clients. Each client has 2–4 banks. Every client gets a monthly cash report. Right now, that's 90 minutes per client per month — 33 hours a month, ~400 hours a year. If your tool consolidates all my clients' banks into one screen, my senior bookkeeper isn't a bottleneck anymore. We could double client load without hiring."

So we built a multi-client dashboard. Same TreasuryFlow product, different surface: a firm-owner view that shows every client's cash position in one row, with click-through to per-client detail. We charge $99 per client per month. The first five firms to sign up get $79 per client locked in for life.

Why $79 for the first five? Because every category-defining product needs reference customers — the firms who used it before there was a category. Those firms helped us turn the rough first version into the version that's good. We owe them lifetime pricing in exchange.

If your firm is one of those: we have five seats. We'd rather give them to operators who'll tell us where the product is wrong than to whoever showed up first.

What we won't do

We won't be a bank. We won't hold your money. We won't charge per seat. We won't do six-week onboarding. We won't make you switch tools that already work — TreasuryFlow lives inside Excel, alongside Mercury, alongside QuickBooks, alongside whatever else you use.

We won't pretend the product is finished. It's not. We ship something every week. Customers tell us what's missing and most of it lands in the next two weeks. That's the deal.

We won't disparage competitors in our marketing. Float, Centime, Trovata, Kyriba — these are real products with real users who are well served. We're for the people they don't fit. The $399/mo CFO with three banks and one Excel guy who needs the morning brief and the rolling forecast and nothing else. The bookkeeping firm with 22 clients who can't justify $24K/year for a treasury workstation. We're for them.

The thing I want you to know

If you run a $10M–$50M business and your CFO has a sticky note with bank URLs on it, this is for them.

If you run a bookkeeping firm and you've stopped taking on new clients because cash work is the bottleneck, this is for you.

If you're a fractional CFO and you've ever explained to a client why the cash report is dated last Thursday, this is the thing that fixes that.

The free trial is 14 days, no credit card. If you don't want to talk to anyone, start it directly. If you want to see the product first, the interactive demo shows you the whole workflow with no signup. If you want to talk to me directly, book 15 minutes — I'm the one who answers.

The 47 minutes are coming back to your morning either way. We just want you to spend them on the part of the job that actually requires a human.