AI CFO for businesses with no bookkeeping
Your bank statements are already your books.
Upload a year of statements. InstaFinancials reconstructs your financials, categorizes every transaction and hands you CPA-ready reports and a lender package — no spreadsheets, no shoebox of receipts.
How it works
Upload statements
PDF, CSV, OFX or QBO — even scanned pages. AI vision reads every line, including checks and fees.
AI rebuilds the books
Each transaction is matched to a standard chart of accounts with a confidence score, and internal transfers are netted out.
Answer a few questions
The AI only asks about money it can't place — in plain English. Every answer becomes a permanent rule.
Get CPA-ready reports
Profit & loss, balance sheet, cash flow and a lender package with DSCR, EBITDA and a health score.
Everything a bank or a CPA asks for
- Profit & loss with a standard chart of accounts
- Reconstructed balance sheet and cash flow statement
- Loan package with DSCR, EBITDA and margin analysis
- Business health score with plain-language coaching
- Duplicate and internal-transfer detection so nothing is double counted
- Vendor rules the AI learns once and applies forever
Built for
Three years behind? Upload all of it.
The engine handles multiple accounts and overlapping periods, nets out transfers between them and produces one clean set of statements per year.
Build My Books