for growing businesses
The financial clarity you need to run your business, not just report on it.
Most SMEs make decisions without proper financial visibility. AHQ Financials gives you or your fractional CFO a full financial suite with live cash tracking, AI-powered analysis, three-statement forecasting, and budget vs actuals. All from the data you already have.
Photo by Austin Distel on Unsplash
A full-time CFO costs €150,000+ per year. AHQ Financials gives you what they'd build, without the headcount.
What you get
Know your cash position every morning
Connect your real bank accounts via open banking and get a daily brief on your balances, monthly burn, and months of runway, on your phone before the day starts. No more checking accounts one by one, no more end-of-month surprises.
Build a budget in hours, not weeks
Upload your historical financials and AHQ generates a full three-statement budget, such as P&L, balance sheet, and cash flow, with Base, Conservative, and Aggressive scenarios. No blank spreadsheet, no consultants, no two-week back-and-forth.
Budget vs actuals, automatically every month
Upload your monthly accounts and AHQ shows you exactly where you're ahead or behind plan, such as P&L variance line by line, revenue bridge, and EBITDA walk. The management pack is ready before you open a spreadsheet.
Ask your numbers anything
An AI assistant that knows your business. It's trained on your own uploaded financials. Ask what's driving gross margin compression, how runway changes if revenue falls 15%, or what your unit economics looked like six months ago. Plain English answers, in seconds.
KPI dashboard updated every upload
Revenue, gross margin, EBITDA, cash runway, MRR, LTV:CAC, and payback period, all calculated automatically from your uploaded data. No formulas to maintain, no broken cell references. Your dashboard is as current as your last upload.
Share reports without sending spreadsheets
Generate a shareable link to a live financial report, for your bank, your board, or your accountant. Recipients see the latest figures every time they open it. No version control, no emailed PDFs that are out of date on arrival.
for fractional CFOs
Do more for each client with less setup time.
If you serve multiple SME clients as a fractional CFO, AHQ Financials handles the mechanical work, such as data ingestion, KPI calculation, budget vs actuals, and report generation, so your time goes into analysis and decisions, not spreadsheet maintenance.
Each client gets their own workspace. You switch between them in one click. The data is always current. The reports are always ready.
what it replaces
- The Excel model nobody touches between board meetings
- The end-of-month panic when you finally check the bank
- The fractional CFO's first two days each month rebuilding the same reports
- The Google Sheet your accountant built that only they understand
- The financial update you write manually before every board meeting
Taking on investment or a bank facility?
If your business is backed by a PE fund, or you're heading that way, AHQ Financialsalso handles the investor reporting, covenant tracking, and fund data sync that comes with institutional investment.