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Cash flow software for fractional CFOs

You do not have one cash flow forecast. You have nine.

TreoCast runs a 13-week rolling forecast for every client in your book. Each one is its own entity with its own QuickBooks connection, its own accounts, and its own rules. Switch between them, or open the consolidated view and see the whole book at once.

QuickBooks Online, read only · Plaid bank feeds · Sync every 4 hours

What this replaces
Initial model build
4 to 6 hours, per client
Weekly maintenance
1 to 2 hours, per client, every week
Versions in circulation
Three copies, two of them current
What the client is buying
The variance conversation, not the file

The deliverable your client pays $1,000 to $3,000 a month for is the half hour where you explain what moved. Everything before that is assembly.

The Monday you already run, minus the assembly

Pull the ledger, reconcile the bank, rebuild the model, explain last week, get on the call. Then open the next client and do it again.

In the workbook
In TreoCast
Monday morning
Export the ledger, export the bank, paste both into the client workbook, fix the columns that moved.
The sync already ran. QuickBooks fired a webhook when the books changed, and the 4-hour sync caught the rest.
Roll the model
Drop the closed week, add a new week 13, repoint the formulas, check that nothing broke.
The window rolls forward on its own every Monday. Week 13 appears, the closed week locks.
Reconcile
Match receipts to invoices by hand, guess which customers will pay late this time.
Invoice-level due dates from QuickBooks, adjusted by the payer lag each customer has actually shown.
Explain the miss
Dig for last week's version of the file, hope it is the one you sent.
Variance runs against the plan snapshot you locked, line by line.
Repeat
Open the next client's workbook. Start over.
Switch entities.

At an hour and a half a week across nine clients, the assembly is most of a working day, every week, before you have said anything a client would pay for.

One account. Every client separate. The group when you want it.

The switcher moves between an entity and the consolidated view. Each entity computes its own forecast from its own accounts, rules, and QuickBooks connection, so consolidation is a sum of real forecasts rather than a shared pool. Click a client below.

Entity

All entities

5 entities consolidated
Cash today
$378,099
Low point
$353,780
Week it lands
W04
W01
378.1k
W02
378.5k
W03
368.6k
W04
353.8k
W05
370.2k
W06
389.1k
W07
357.1k
W08
373.9k
W09
410.6k
W10
356.1k
W11
359.9k
W12
390.3k
W13
384.2k

Ending cash by week. Sample data. Hartwell carries a $61,000 tax payment in week 10, and Nine Mile Coffee crosses zero in week 06.

Pulled from QuickBooks
Open invoices
$866,464
Unpaid bills
$401,450
Next payroll run
$226,644

Each invoice lands on its own due date, moved by the payer lag that customer has actually shown.

Per-entity everything

Accounts, categorization rules, scenarios, and plan snapshots belong to the entity. Changing a rule for one client does not touch another.

Consolidated on demand

All entities sums the individual forecasts week by week, so the group number and the client number never disagree.

Flat pricing

Unlimited entities on the $99 plan. Adding a client is a connection, not a line item.

Where each client's numbers come from

You are not typing anything twice. The forecast is built from the books your client already keeps.

01

QuickBooks Online, read only

Chart of accounts, open invoices, and unpaid bills, on Intuit production keys with the accounting scope. Read only means read only: TreoCast never writes to your client's books.

02

Invoice-level timing, not average days

Each open invoice carries its own due date. On top of that, TreoCast learns the payer lag for each customer from their payment history, so a customer who has always paid on day 41 is modeled on day 41 rather than on terms.

03

Plaid for the bank side

Balances and transactions come straight from the accounts, so the opening balance in week one is the real one.

04

Sync every 4 hours, plus webhooks

QuickBooks fires a webhook when the books change and TreoCast syncs then. The 4-hour schedule catches everything else. By the time you sit down Monday, the data is already in.

05

Categorization you correct once

The categorizer proposes rules, you approve or override, and the override sticks. Bulk categorization handles a large backlog on the first pass so a new client does not start with a month of clicking.

The client call, with the miss already reconciled

Every week runs against the plan snapshot you locked, so the question is never which version of the file you are looking at. Here is Hartwell Fabrication's closed week.

Week 05, closed
Plan
Actual
Variance
Opening cash
$82,040
$82,040
0
Receipts
$96,500
$64,514
($31,986)
Payroll
($38,500)
($38,500)
0
Vendor payments
($21,300)
($24,918)
($3,618)
Ending cash
$118,740
$83,136
($35,604)
What you say on the call
  • +Two receipts slipped. A 23,914 invoice from a customer whose payer lag runs 41 days, and 8,072 held up in a dispute. That is the 31,986.
  • +Vendor payments ran 3,618 over because a bill was paid a week early. Timing, not spend.
  • +Payroll landed exactly at 38,500, as it does every other Friday. Nothing to explain there.
  • +Both receipts move into week 07, and the week 10 tax payment of 61,000 is still the week to watch.

Bear, base, and bull sit behind the same grid, so when they ask what happens if the dispute drags, you answer with a scenario instead of a promise.

A weekly cash digest goes out by email, and every change is written to a full audit log. When a client asks who moved a number in March, the answer is in the log.

What it costs you per client

Cash flow tools in this category run $40 to $150 per client per month. TreoCast is $99 a month for the whole book, so the per-client number falls as the book grows.

3 clients
$33.00
per client, per month
5 clients
$19.80
per client, per month
8 clients
$12.38
per client, per month
12 clients
$8.25
per client, per month

Against what you bill

A 13-week forecast engagement typically runs $2,500 to set up and $1,000 a month to maintain, or $1,000 to $3,000 a month bundled. At eight clients, the software costs $12.38 per client per month against that. The point is not the ratio. The point is that the cost is small enough that it never enters the pricing conversation.

Honest about the time

The build is not zero. You still connect the books, review the proposed rules, and decide what the categories mean for that client. What changes is that you do it once per client instead of every week, and the weekly work becomes reading a variance rather than rebuilding a model. We are not going to put an ROI number on your time, because your hourly rate is not ours to guess.

Single Entity

$99
$49/month

One entity. Sensible if you are testing it on a single client before you move the book.

  • +13-week rolling forecast
  • +One QuickBooks connection
  • +Scenarios, variance, and audit log
For a book of clients

Multi-Entity

$199
$99/month
  • +Unlimited entities
  • +Entity switcher and consolidated view
  • +A QuickBooks connection per entity
  • +Weekly variance against a locked plan
  • +Bear, base, and bull scenarios
  • +Weekly cash digest and full audit log

Launch pricing, 50% off list. 14-day money-back guarantee. Cancel anytime.

What it does not do

You evaluate software for a living. Here is the list you would have found in the first ten minutes anyway.

  • No client login and no view-only workspace. What your client sees is what you present.
  • No white-label or branded report builder. The output is the forecast on your screen.
  • QuickBooks Online only. There is no Xero connection.
  • No per-seat permissions. One account, your book inside it.

Questions from people who bill for this

How many clients can I run on one account?

As many as you have. The multi-entity plan is a flat $99 a month for unlimited entities, so client eleven costs the same as client two. There is no per-client fee and no per-seat fee.

Do I need a QuickBooks connection for each client?

Yes, one per entity. Each client authorizes their own QuickBooks Online company, and that entity's forecast is built from that company's chart of accounts, open invoices, and unpaid bills. The connection is read only and uses the accounting scope, so nothing is written back to their books. Plaid handles bank balances and transactions alongside it.

Can I keep entities separate and still see the group?

That is what the entity switcher does. Each entity is computed from its own accounts, rules, and QuickBooks connection, and the All entities view rolls them into one consolidated 13-week grid. You move between the two without rebuilding anything.

What happens when a client leaves?

Nothing happens to your bill, because the plan is flat rather than per client. Remove that entity's QuickBooks connection and it stops syncing. The history stays where it is, and the consolidated view reflects whatever is still connected.

How long does onboarding a new client take?

Most of the elapsed time is the first sync and your review of the proposed categorization rules. You connect QuickBooks, TreoCast pulls the chart of accounts, open invoices with their due dates, and unpaid bills, then proposes rules for the transaction history. You approve or override, and the 13 weeks fill in. It is a review, not a four to six hour build.

Is each client's data isolated?

Each entity carries its own accounts, categorization rules, scenarios, and plan snapshots. Nothing pools across entities except in the consolidated view you choose to open. Every change is written to a full audit log, and the QuickBooks scope stays read only.

Can my client log in and look at it themselves?

No. There is no client login and no view-only workspace. TreoCast is the tool you work in, and what your client sees is what you bring to the meeting.

Is there a trial?

There is a 14-day money-back guarantee rather than a trial. Subscribe, connect a client, and if the first forecast is not worth keeping, ask for the money back inside 14 days.

Launch pricing · 50% off

Move one client over and see how Monday goes.

Connect their QuickBooks, review the rules once, and read the 13 weeks. Add the rest of the book when it holds up.

14-day money-back guarantee