AI-CFO for small businesses  ·  Private business data  ·  2026

Find financial leaks
before they become
cash gaps.

Upload your financial data. SBfinance shows where money is leaking, predicts your cash-gap date, and simulates business decisions using your real numbers — computed locally with deterministic math, not an AI guess.

Built for SMB founders, finance teams, accounting firms, and fintech teams that need answers faster than spreadsheets can deliver.

Request a Demo See Sample Report
Runs locally No cloud upload Private beta CSV/XLSX PDF report License-ready desktop Calculated, not generated
sbfinance — local AI-CFO
›sbfinance analyze transactions_april.xlsx
⟳ Reading financial export... 14 columns, 8,420 rows
✓ Date, amount, category, vendor columns detected
⟳ Cleaning transactions and normalizing categories...
✓ Cashflow dashboard generated
⚠ 12 duplicate transactions found
⚠ 7 unusual expenses flagged
ℹ Recurring subscriptions detected: 18
⚠ Cash-gap risk: HIGH — projected gap date 14 Jul
✓ Executive PDF report generated → sbfinance_report.pdf
✓ Decision simulator ready — test hiring, marketing, loans on your numbers
›
how it works

From raw exports to
financial clarity.

Upload your financial files. SBFinance cleans, analyzes, explains, and reports — locally on your machine.

01
Upload
Add CSV/XLSX exports from accounting tools, bank statements, payment systems, CRM, or internal spreadsheets.
02
Map & Clean
SBFinance detects dates, amounts, vendors, categories, and descriptions, then prepares data for analysis.
03
Analyze
Get cashflow, revenue, expenses, category trends, runway and burn rate — plus a dated cash-gap forecast computed from your ledger.
04
Detect Risks
Flag duplicates, unusual transactions, outliers, recurring costs, and suspicious patterns.
05
Dashboard
View clean charts, KPIs, and financial summaries without building spreadsheets manually.
06
Report & Ask
Generate executive PDF reports and ask questions grounded in your uploaded financial data.
Local-first architecture

Your financial data
stays on your machine.

SBFinance is designed for sensitive business and client financial data. Analysis, dashboards, summaries, and reports can run locally — so raw files do not need to be uploaded to cloud tools.

Local-first processing
Raw financial exports stay on your device or private environment.
No unnecessary data sharing
Designed to reduce exposure of sensitive client, transaction, and business data.
Built for trust
Useful for finance teams and accounting firms that cannot freely upload client data to third-party AI tools.
// data flow audit
Raw CSV/XLSX export
LOCAL ✓
Data cleaning
LOCAL ✓
Financial analysis
LOCAL ✓
Anomaly detection
LOCAL ✓
Dashboard rendering
LOCAL ✓
PDF report generation
LOCAL ✓
Cloud upload of raw files
NOT REQUIRED ✗
capabilities

Financial analysis without
manual spreadsheet work.

SBFinance helps teams move from raw exports to decision-ready reports faster.

Cash-Gap Date Prediction
SBfinance projects your balance forward and shows the estimated date you run out of cash — computed from your own ledger with deterministic math, with the evidence shown.
Financial Leak Detection
Find duplicate payments, runaway recurring charges, unusual expenses, and categories growing faster than revenue — each leak with its amount and evidence transactions.
AI-CFO Dashboard
Cash-gap radar, financial leaks, profit-vs-cash, runway and burn rate, expense drivers, and recommended actions — plus executive PDF reports, all generated automatically.
Decision Simulator
“Can I hire for $700/month?” “What if revenue drops 15%?” SBfinance runs the scenario on your real averages and shows runway impact, risk change, and break-even.
Ask Your Data
Ask plain-English or Russian questions like “Why did expenses increase?” and get answers grounded in your file — every number is validated against the deterministic analysis.
Local-first Privacy
Analyze sensitive business and client data without relying on cloud-first AI tools.
data chat

Ask your financial data.
Get grounded answers.

SBFinance answers using your uploaded transactions, KPIs, dashboards, and report context — not generic guesses.

SBFinance Data Chat
connected to dataset · 8,420 transactions
What caused the expense increase in April?
SBFINANCE · grounded in your data
Expenses increased by 18.7% compared to March. The largest contributors were marketing spend (+$4,200), contractor payments (+$2,850), and cloud services (+$740).
Are there any duplicate transactions?
SBFINANCE · anomaly detection
I found 12 possible duplicates with matching date, amount, and vendor. The largest duplicate group is two payments to 'Facebook Ads' for $850 each on April 12.
Create a summary for the founder.
SBFINANCE · executive summary
Net cashflow improved by 9.4%, revenue grew by 12.1%, but operating expenses increased faster than revenue. Main recommendation: review marketing and software spend before the next reporting cycle.
Monthly Expense Breakdown LIVE ANALYSIS
PayrollMktgSaaSContr.OpsOther
MONTHLY REVENUE
$84.2K
↑ +12.1%
TOTAL EXPENSES
$71.8K
↑ +18.7%
NET CASHFLOW
$12.4K
↑ +9.4%
ANOMALIES FOUND
19
12 duplicates
anomaly detection

Find financial issues
before they become expensive.

SBFinance highlights transactions and patterns that deserve human review.

Duplicate Transactions
FOUND 12
Same date, amount, and vendor detected across multiple rows. Largest group: two payments to 'Facebook Ads' for $850 each.
Unusual Expenses
7 FLAGGED
Transactions significantly above normal category and vendor behavior. Includes contractor payment 3.4× above average.
Recurring Costs
18 DETECTED
Subscriptions and repeated monthly payments identified. 4 low-usage subscriptions flagged for potential review.
Category Spikes
MARKETING +42%
Sudden increase in marketing spend compared to 3-month average. Contractor and software categories also above trend.
Cashflow Pressure
WATCH
Expenses growing faster than revenue. Operating margin compressed from 18.2% to 14.7% over the last two months.
Data Quality
CLEAN
Missing dates: 0. Broken categories: 3 corrected. Invalid amounts: 0. Vendor name inconsistencies: 8 normalized.
built for

Built for teams that live
in financial exports.

SMB Founders
Understand cashflow, expenses, and business health without waiting for manual reports.
Finance Managers
Prepare recurring analysis, detect unusual transactions, and generate executive summaries faster.
Accounting Firms
Analyze client exports locally and produce cleaner reports with less manual work.
Outsourced Finance Teams
Turn client spreadsheets into dashboards and reports without rebuilding the same workflow every month.
Fintech & Lending Teams
Review transaction patterns, risk signals, borrower data, and portfolio exports in a private workflow.
HONEST COMPARISON

Not another spreadsheet.
Not another cloud AI tool.

SBFinance is built for teams that need financial answers from sensitive data — without rebuilding dashboards manually or uploading raw files to generic AI tools.

Excel / Google Sheets
Problem Flexible, but manual. Teams still spend hours cleaning exports, checking formulas, building charts, and writing explanations.
SBFinance Difference SBFinance maps financial exports, calculates KPIs, flags anomalies, generates dashboards, and creates summaries faster.
ChatGPT / Cloud AI Tools
Problem ChatGPT explains finance and gives general advice — but it doesn't know your real numbers, doesn't monitor cash flow, can't show verifiable evidence, and sensitive files may need to be uploaded to the cloud.
SBFinance Difference SBFinance understands your finance: it analyzes your uploaded data, detects leaks and cash gaps with a date, simulates decisions, and calculates consequences from your numbers — with evidence, locally.
BI Dashboards
Problem Powerful, but setup-heavy. BI is best for permanent dashboards, not fast analysis of messy monthly exports or client spreadsheets.
SBFinance Difference SBFinance works directly from CSV/XLSX exports and helps create quick financial insights without a full BI implementation.
Accounting Software
Problem Great for recording transactions, but often limited when teams need flexible analysis, anomaly review, and plain-English explanations.
SBFinance Difference SBFinance analyzes exported financial data and explains revenue, expenses, cashflow movement, duplicates, and unusual transactions.
Manual Analysts
Problem Accurate, but slow and expensive for repetitive reporting. The same cleanup and summary work happens again every month.
SBFinance Difference SBFinance reduces repetitive spreadsheet work so analysts, accountants, and finance teams can focus on judgment.
Generic AutoML Tools
Problem Built for data scientists and model experiments, not founders or finance teams trying to understand business numbers.
SBFinance Difference SBFinance focuses on financial exports, cashflow, expenses, anomalies, dashboards, and executive reports.

So what makes SBFinance different?

ChatGPT explains finance. SBFinance understands your finance. ChatGPT gives advice. SBFinance calculates consequences from your numbers — deterministically, with the evidence shown, on your machine. It is not just chat, not just BI, and not just another spreadsheet.

  • Upload CSV/XLSX financial exports — messy files welcome
  • Get a dated cash-gap forecast computed from your own ledger
  • Detect duplicates, leaks, and recurring costs with evidence transactions
  • Simulate hiring, marketing, loans, and revenue shocks before deciding
  • Ask questions grounded in your own financial data — answers are validated against the deterministic math, never invented
  • Keep sensitive data in a local/private workflow
who's building this

A small team focused
on private financial data.

SBFinance is an early-stage, founder-led product currently in private beta. We work directly with early users to shape the tool around real financial workflows.

Founder & product
Product · Engineering

Leads product direction and builds the local-first analysis engine. Focused on turning messy financial exports into clear, reviewable insights without sending sensitive data to the cloud.

Early users & advisors
Finance · Accounting feedback

A small group of early users from finance and accounting backgrounds help test workflows and prioritize features. We're actively expanding this group through the private beta.

Want to talk to the team directly? hello@sbfinance.me

QUESTIONS FINANCE TEAMS ASK

Common questions before the demo.

SBFinance is built for teams working with sensitive financial exports, recurring reports, and spreadsheet-heavy analysis.

SBFinance is an AI-CFO for small businesses. You upload your financial CSV/XLSX exports, and it finds financial leaks (duplicate payments, runaway recurring costs), predicts when a cash gap may hit — with a concrete date computed from your ledger — explains why profit isn't becoming cash, and simulates decisions like hiring or marketing spend before you commit. All analysis is deterministic math run locally; the AI only explains the results.

SBFinance is built for SMB founders, finance managers, accounting firms, outsourced finance teams, and fintech/lending teams. It is especially useful for teams that regularly work with transaction exports, bank statements, client spreadsheets, accounting reports, or revenue/expense data.

Excel is flexible, but most financial reporting still requires manual cleaning, formulas, checks, charts, and written explanations. SBFinance helps automate the repetitive parts: mapping columns, cleaning exports, calculating KPIs, detecting anomalies, generating dashboards, and creating executive summaries.

Generic AI tools are useful for explanation, but they are not built specifically for financial export analysis. SBFinance is designed around structured financial workflows: it reads CSV/XLSX files, analyzes transactions, detects duplicates and unusual expenses, builds dashboards, and then generates summaries grounded in the uploaded data.

SBFinance is designed for local-first workflows, so sensitive financial exports do not need to be uploaded to cloud-first AI tools. If a deployment uses optional external AI services, that should be clearly configured and disclosed.

SBFinance is focused on CSV and XLSX financial exports. These can come from accounting tools, bank statements, payment processors, CRM exports, internal spreadsheets, or client reports.

SBFinance can help flag duplicate transactions, unusual expenses, recurring costs, category spikes, missing or inconsistent data, and periods where expenses grow faster than revenue. It is designed to highlight items that deserve human review, not to make final financial decisions automatically.

No. SBFinance is not a replacement for accountants, CFOs, or financial judgment. It reduces repetitive spreadsheet work and gives teams a faster first-pass analysis. Humans still review the results, make decisions, and apply accounting, tax, or business context.

Yes, that is one of the strongest use cases. Accounting and outsourced finance teams can use SBFinance to analyze client exports, detect issues, generate dashboards, and prepare cleaner client-facing reports faster. The local-first approach is especially useful when client data is sensitive.

Yes. SBFinance is designed to generate executive-style summaries and PDF reports from uploaded financial data. Reports should explain key KPIs, cashflow movement, revenue and expense changes, anomalies, and recommended review areas in plain English.

No. SBFinance is especially useful for small and mid-sized businesses that have real financial data but do not have a large analytics team. It is also useful for accounting firms and finance teams that manage reporting for multiple clients.

In the demo, we show how SBFinance takes a sample CSV/XLSX financial export and turns it into KPIs, anomaly flags, dashboards, plain-English insights, and a report. We can also discuss how the workflow would fit your company, finance team, or accounting firm.

Yes, that is one of the main reasons it exists. SBFinance is designed for real-world exports where columns may be inconsistent, categories may be messy, and reports may require cleanup before analysis.

No. SBFinance is a financial analysis and reporting assistant. It can help analyze data, flag patterns, and generate summaries, but it does not provide official accounting, tax, legal, or investment advice. Final decisions should be reviewed by qualified professionals.

Click “Request a Demo” and leave your work email, company, role, and a short note about the financial workflow you want to improve. We will follow up with a private demo.

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request demo · 2026

Want to test SBFinance on
your own financial workflow?

Request a private demo and see how SBFinance turns raw financial exports into dashboards, risk signals, and executive reports.

We’ll review your request and typically reply within 1–2 business days with demo access. This form is for demo requests only — please do not upload or paste sensitive financial files, statements, or account numbers here.

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