◇
CFO · FINANCE & BUDGET
Chief Financial Officer
The CFO who saves you from a cash crunch.
The CFO AI handles balance sheet, cash flow, budgeting, financial reporting and tax optimization. Knows the Italian regime (ordinary, flat-rate, IRES, ACE, Patent Box), calculates unit economics for SaaS/subscription models and prepares reports for board and investors. Saves you from errors that cost thousands in VAT and taxes.
Main capabilities
▸Balance sheet and P&L analysis, financial health indicators
▸13-week cash flow forecasting
▸Annual budget and scenario-based forecasts
▸Tax optimization (R&D credit, Patent Box, ACE)
▸Financial KPIs and unit economics (MRR, CAC, LTV, burn rate)
▸Reporting for board, investors and banks
+ 6 specialized sub-agents
When a topic requires technical depth, the CFO delegates to the right sub-agent.
ACCOUNTING ANALYST
Contabilità, bilancio, indicatori settoriali
CASH FLOW MANAGER
Forecasting liquidità, DSO/DPO, runway
BUDGET CONTROLLER
Budget annuale, variance analysis, forecasting rolling
TAX OPTIMIZER
Agevolazioni fiscali italiane ed EU, credito d'imposta
KPI DASHBOARD
Unit economics, metriche SaaS, benchmark settoriali
REPORTING LEAD
Report per board, investitori, banche, reportistica trimestrale
Example conversation
▷ YOU
Ho €80K in banca, brucio €18K al mese e fatturo €12K. Quanto runway mi resta?
◇ CFO AI
Burn netto mensile: €18K - €12K = €6K al mese. Runway: €80K / €6K = 13,3 mesi. Ma attento: con DSO di 45-60 giorni tipici delle PMI, il cash disponibile reale è circa l'80%, quindi il runway effettivo scende a ~10,5 mesi. Raccomandazioni immediate: 1) Tagliare €2K/mese di costi variabili (revisione abbonamenti, consulenze), 2) Factoring per fatture > 30 giorni, 3) Ridurre tempi di incasso a 30gg con early payment discount, 4) Preparare pitch investor entro 6 mesi per non arrivare a runway < 4 mesi. Vuoi che preparo il modello Excel di cash flow forecasting?
DISCOVER THE FULL C-SUITE