16 AI agents that turn your raw financials into board-ready deliverables in minutes — 13-week cash flow, 3-statement model, pricing strategy, board package, investor deck. Reconciled and QC-scored before you ship. Built for companies too small for a $200K CFO — and the fractional CFOs and firms who serve them.
Each agent is built to surface real money and ship a real document — not to "use AI." Here's the kind of result each one is designed to produce.
The 13-Week Cash Flow and Working Capital agents map every dollar stuck in receivables, payables and inventory — and the moves to free it.
Pricing Power and Unit-Economics agents flag underpriced SKUs, money-losing lines, and the price moves your data will support.
The Vendor Spend Reduction agent benchmarks and prioritizes the top of your payables into a concrete renegotiation plan.
The Board Reporting and Investor Deck agents turn your actuals into a clean, narrative board package you'd present as-is.
The Exit Readiness Assessment scores your business across 6 buyer dimensions, normalises your EBITDA, flags every due diligence gap, and delivers a prioritised 90-day plan to close them.
Representative ranges illustrate what these agents are designed to surface from typical mid-market financials — not guaranteed results. Your numbers depend on your data.
Not a replacement for financial judgment — an accelerator that does the building, reconciling and formatting so the expensive hours go to decisions.
Paste your own Anthropic API key and fill a focused intake form. Your key and your data are never stored on our side — used only, in the moment, to run your report on your own Claude key.
Each agent drafts the deliverable section-by-section, runs a pre-delivery QC pass that reconciles every number across sections, and scores the result on a 100-point rubric.
Open the board-ready deliverable, print to PDF, or hand it straight to the board. What used to take a weekend of senior-finance time is done in minutes.
Owners don't pay for a tool. Clients don't pay for a prompt. They pay for the deliverable — so that's what each agent gives you.
I built this because I've spent years watching companies get priced out of real CFO help right at the moment they need it most — the board meeting, the fundraise, the bank ask. A $200K hire isn't the answer; a yellow-legal-pad best guess isn't either. I'm Mike Mulkern, and my background is in operations and AI systems. When Claude got good enough to do structured financial reasoning — not just summarise text, but actually reconcile numbers, hold a format, and score its own output — I built The Fractional CFO so that "board-ready" stopped meaning "expensive". It runs on your key, your data never leaves your hands, and the rubric is the same one I'd apply by eye.
A real 13-Week Cash Flow Forecast, generated by the agent for a fictional manufacturer. No key, no signup — just the deliverable you'd get.
The forecast every lender, board and cash-tight operator asks for — weekly inflows, outflows and runway, reconciled to the dollar.
License a single agent, one bundle, or the whole suite. Every agent has a free live demo — no key required. Click Demo to run it now, or Launch for the licensed (BYO-key) agent.
Annual by default. Single & Bundle also come in 3- and 6-month terms for one-off engagements. Every license is bring-your-own-Anthropic-key.
A bundle always beats licensing its agents one by one. The full suite is the best per-agent value and the right fit for a firm or a multi-client practice. Need more than 5 seats? Add them any time at $2,000/seat/year.
New — The Fractional COO. Nine operations agents (operating cadence, SOPs, KPI scorecard, org design, 100-day plan, sourcing, continuity) to run finance and operations from one desk. See both suites →
Minimum passing score: 85 / 100. Deliverables that fall below this threshold are flagged before delivery so you can re-run rather than ship a weak output.
Anthropic API usage is billed directly to your own API key — approximately $1–$3 per deliverable. License fees cover access to the agents and platform only.
Each agent runs on your own Anthropic key, so your client data is never stored on our servers and you control exactly what you spend. Our hosting cost is zero — which is why the pricing is what it is.
Every agent runs a pre-delivery QC pass that reconciles totals, subtotals and cross-section figures, then scores the deliverable on a 100-point rubric before you ever see it.
Clean, formatted output you can present, print to PDF, or hand to the board — each board-ready deliverable replacing hours of senior-finance time on a single engagement.
Your logo and your name on every board-ready deliverable, with no Mulkern AI mark — built for fractional executives, advisory firms, and agencies who deliver to their own clients. Same agents, same pre-delivery QC and 100-point scoring, your brand.
Pricing is one simple rule: +50% on the license. The CFO Suite is $12,000/yr → $18,000/yr white-labeled. Extra seats stay $2,000/seat.
Set up white-label →16 AI agents that turn your financials into board-ready deliverables in minutes — including a 3-statement model, 13-week cash flow forecast, monthly board package, investor deck, fundraise readiness, and pricing and margin analysis. Each deliverable is reconciled and scored against a 100-point quality rubric before you see it.
You bring your own Anthropic (Claude) API key, fill out a short intake about your situation, and the agent drafts the deliverable, reconciles the numbers, and scores it — then you review and ship. All you need is an Anthropic key, which takes about two minutes to set up the first time.
A single agent is $1,200/year ($600 for 3 months, $900 for 6). A 3-agent bundle is $3,000/year, Pick-Any-4 is $4,000/year, and the full CFO Suite (all 16 agents, 5 seats) is $12,000/year. On top of that you pay your own Anthropic usage — usually a few cents to a couple of dollars per deliverable, with no markup from us.
Yes. Everything runs on your own Anthropic key. Your data passes through our gateway only in the moment to call Claude — it is never written to disk, logged, or stored. We keep only your license details and basic usage counts, and we never sell or share your data.
Treat every deliverable as an expert-quality first draft, not a final filing. It is reconciled and rubric-scored, so it is well past a raw chatbot answer — but you should validate the figures and have a qualified accountant or advisor review before acting. It is not accounting, tax, or legal advice.
Yes. Every agent has a free live demo — no key and no signup — so you can judge the output first. Licenses also come with a 14-day guarantee: if your first deliverable is not board-ready, email us within 14 days for a full refund of the license fee.
Every deliverable is shaped by your intake — your situation, constraints, and goals — and you can re-run as many times as you like to refine it. Suite owners can also have a custom agent built for their exact workflow.
No — and that is intentional. You paste or upload what is needed; nothing connects to your systems, which is exactly what keeps your data private.
See a real, reconciling, board-grade deliverable build itself — then license the agent, the bundle, or the whole suite.