The AI-enabled finance office, led by a CPA
Fractional CFO, Controller, bookkeeping, billing and procurement, with AI built into the workflow. We run your close, cash and reporting on your ERP data so you get answers faster, rely less on spreadsheets and show investors numbers you can stand behind.
Free 30-minute consultation. No commitment required.
Where our founder has led and supported finance
Experience you can underwrite
Nearly two decades across audit, FP&A, controllership and the CFO seat, now paired with hands-on AI engineering.
Stop exporting. Start asking.
Most finance teams still live in exports: an aging report pulled on Monday, a forecast rebuilt every month, a close checklist in a shared spreadsheet. By the time the numbers reach leadership, they are already old.
ValuaCPA runs your finance function on applications that read directly from your ERP, so leadership can ask questions and get answers that tie to the figures on screen. How it works
The usual way
- Aging and AP exports rebuilt every week
- Close checklist in spreadsheets and email
- Forecast models nobody else can follow
- Board pack rebuilt by hand each month
- Questions wait days for an analyst
With ValuaCPA
- Live A/R, A/P and cash from your ERP
- Close cockpit with blockers and owners
- Driver-based forecast with what-ifs
- Board-ready reporting from one engine
- Ask AI, answered from the numbers
Your finance team, with an AI co-pilot built in
Every application answers questions, flags exceptions and keeps the close moving, always tied back to the numbers in your ERP.
Ask your numbers anything
Answers are built only from the figures on screen, with the source shown. If it isn’t in view, the AI says so.
- Bank reconciliations
- Revenue cut-off
- Accruals reviewed
- Reviewer sign-off
See what’s blocking the close
Progress, owners and blockers in one cockpit.
Forecast cash by customer
Scenarios built from each customer’s real payment behavior.
Exceptions find you
Policy rules flag what needs a human, before cash moves.
Board-ready, every month
KPIs refresh from the same engine as the statements.
Screens are from the AI Finance Suite using sample data. Client details are redacted and figures are illustrative.
Seven services. One CPA-led finance team.
Modern companies need more than bookkeeping. They need a finance operating system with cadence, controls and clear reporting, led by a CPA and accelerated by AI.
Bookkeeping
Accrual bookkeeping, bank and card reconciliations and clean monthly financials, with AI handling the repetitive coding and matching.
Learn more Strategy, capital & board leadershipFractional CFO
A CPA-led CFO who owns your forecast, board reporting and capital strategy, part-time and without a full-time salary.
Learn more Faster, controlled month-end closeFractional Controller
An experienced controller who owns your close, controls and audit readiness, with a close cockpit that shows exactly what is blocking it.
Learn more Order-to-cash, run with precisionBilling & Collections
Invoicing, collections and cash application managed for you, with an AI billing agent and a customer-level cash forecast.
Learn more Procure-to-pay & treasuryProcurement
Purchasing, approvals, accounts payable and weekly payment runs, with DPO policy, PO controls and a 13-week cash forecast.
Learn more ERP, billing, spend & payroll systemsSystem Implementation Support
Selection, configuration, data migration and integration of the finance systems you run on, from ERP and billing to spend, equity and payroll.
Learn more Exits, financing rounds & diligenceMergers & Acquisitions
Sell-side and buy-side diligence, financing-round support and post-close integration, from a team that has been part of 10+ rounds and multiple exits.
Learn more Available with every engagementAI Finance Suite
Billing & collections, FP&A, month-end close and AP & cash applications built on your ERP, with AI embedded in the workflow.
Explore the suiteOne integrated suite across the finance cycle
Each application reads directly from your ERP, so the team works from one set of numbers instead of exported spreadsheets. AI sits inside the workflow, always tied back to the underlying figures. (Sample data; client details redacted.)
Billing & Collections
A collections command center that reads live receivables from the ERP, ranks every account by risk and forecasts cash customer by customer, so the team works the right accounts first.
Where AI does the work
- Billing agent: “Who are the top past-due accounts?” answered from live A/R and email history
- Collections forecast: each invoice timed from the customer’s own payment behavior
- Inbox signals: bounced emails, silent high-balance accounts and customers waiting on a reply
Replaces: aging spreadsheets, manual collections lists and a hand-built weekly cash forecast.
Reporting & FP&A
Management financials leadership can question directly. Statements, driver-based forecasts, lender reporting and an AI analyst run from one engine, so every answer ties to the numbers on screen.
Where AI does the work
- Ask AI: “Which cost lines grew fastest?” answered only from figures in view
- Review agent: answers questions on any figure and warns when it has moved
- Built-in checks: control totals flag when statements don’t tie
Replaces: standalone FP&A software, Excel reporting packs and lender spreadsheets.
Month-End Close
A close cockpit that shows exactly what is blocking the close, who owns it and how far each section has progressed, with review notes raised in context and reconciliations tied to ERP balances.
Where AI does the work
- Smart notifications: unassigned, blocking and late work surfaced automatically
- Review thresholds: from revenue to posting threshold, with the arithmetic shown
- Integrity controls: evidence changes invalidate sign-offs; periods archived with checksums
Replaces: close checklists in spreadsheets, reconciliation binders and email chasing.
AP & Cash
A weekly payment run and treasury view that decides what to pay, what to hold and what it does to liquidity and covenant headroom, before cash leaves the bank.
Where AI does the work
- Payment-terms policy engine: targets by category decide what enters each run
- Exception flags: invoices past their payment-terms target, missing POs and do-not-pay holds
- Audit-ready export: every run exports a full approve and reject audit trail
Replaces: payment-run spreadsheets, AP aging exports and a separate treasury model.
Cohorts, LTV and CAC you can actually track
We build the customer analytics investors ask about: quarterly cohort retention, lifetime value, acquisition cost and payback, all reconciled to the same revenue that hits your P&L.
- Quarterly cohorts by first invoice, with revenue retention and expansion by quarter
- LTV, CAC and payback built from gross margin, sales and marketing spend and actual churn
- Concentration and lifecycle: new, active, at-risk and churned customers, refreshed automatically
| Cohort | Q0 | Q1 | Q2 | Q3 | Q4 | Q5 | Q6 |
|---|---|---|---|---|---|---|---|
| Q1 2025 | 100% | 104% | 109% | 112% | 118% | 121% | 126% |
| Q2 2025 | 100% | 98% | 103% | 107% | 111% | 116% | |
| Q3 2025 | 100% | 101% | 106% | 109% | 113% | ||
| Q4 2025 | 100% | 103% | 108% | 114% | |||
| Q1 2026 | 100% | 105% | 111% | ||||
| Q2 2026 | 100% | 107% | |||||
| Q3 2026 | 100% |
Cohort and KPI figures are illustrative.
Live, not exported
Your ERP stays the system of record. A governed data layer feeds every application, and AI works only from the data each user is entitled to see.
- Live, not exported: one version of the numbers across A/R, A/P, close and FP&A
- AI that shows its work: answers built only from figures on screen; it declines rather than guesses
- Controls by design: preparer and reviewer roles, materiality thresholds, append-only audit log
- Transparent models: rule-based forecasts and scoring documented in-app
Enterprise-grade finance, without the enterprise overhead
Led by a former Head of Finance, CFO and KPMG audit manager, with AI applications that give a lean team the reach of a much larger one.
From first call to closed books
Discovery consult
In a free 30-minute call we map your close, billing, payables and reporting, and the pain points that matter most.
Free · 30 minutesFinance roadmap
You get a scoped proposal: what we take off your plate, which AI applications fit, what it costs and what changes in the first 90 days.
Within a weekYour finance office, live
Books close on schedule, cash is visible every week, reports land on time, and a CPA reviews every number before it reaches your investors.
OngoingFree 30-minute consultation. No commitment required.
Finance leadership that builds, not just advises
Christopher Lazarte, CPA, CA founded ValuaCPA to give growing companies senior finance leadership with AI built into the work itself.
Chris was Controller and Head of Finance at Neuralink for five years. As the first finance hire he built a team of 11 and oversaw FP&A, accounting, procurement, tax, equity administration and investor relations, keeping the company under budget four years running. Before that he was CFO of DataFox through its acquisition by Oracle, interim CFO and Controller at sticky.io, FP&A Manager at Zuora, and an audit manager at KPMG.
Fluent in the systems you already run
Hands-on implementation and operating experience across more than 30 finance platforms, so we work inside your stack instead of replacing it.
ERP & accounting
The systems of record we close, reconcile and report from.
QuickBooks
Excel modelingFP&A, data & AI
Planning, data warehousing and the AI layer behind our applications.
Snowflake
Claude
NetlifyBilling, payments & spend
Order-to-cash and procure-to-pay tools we have implemented and run.
Stripe
Brex
Expensify
Payroll, equity, HR & CRM
People, equity and customer systems that feed the numbers.
ADP
Salesforce
HubSpot
InsperityPaylocitynumbers
Industries we know from the inside
We have led finance in these businesses, not just advised them. Every industry tracks different drivers; we build reporting around yours.
Manufacturing & CPG
Multi-site producers and consumer brands need costs by unit, by line and by location, plus lender reporting that holds up. We build unit costing, multi-site P&Ls, borrowing-base and covenant reporting, and capex planning on live ERP data.
- Unit and line-level margin reporting
- Borrowing-base certificates and covenant packages
- Capex tracking and 13-week cash
- Supplier payment runs tied to DPO policy
SaaS & AI Software
Usage-based pricing, AI-first billing platforms and ASC 606 make revenue harder to get right. We have run finance at billing, data and infrastructure software companies and implemented usage-based billing on AI-first platforms.
- Usage billing and revenue recognition
- Collections command center and cash forecast
- Board-ready SaaS metrics
- Fundraising and diligence support
Hardware & Deep Tech
From brain-computer interfaces to space-based data, deep-tech companies burn capital long before revenue. We have led finance at a neurotech company from its first finance hire and serve as fractional CFO to a space and weather-data company.
- Budgets that stay on plan year after year
- Capital-raise models and data rooms
- Procurement and approval workflows
- Equity administration and tender offers
Marketing Technology & Services
Performance marketing and lead-generation businesses live on contribution margin. We give leadership a clear view of media spend, revenue per lead and customer profitability.
- Customer-level profitability
- Fractional CFO forecasting and board reporting
- Collections and credit policy
- Commission and compensation plans
Hospitality & Travel Tech
Hospitality software and travel platforms deal with seasonal cash, payment flows and marketplace economics. We help finance teams model seasonality and reconcile payment processors to the ledger.
- Payment-processor reconciliations
- Seasonal cash planning
- Revenue recognition for platform fees
- Investor and board reporting
Healthcare & Care Services
Care providers run on thin margins, high labor costs and slow reimbursement. Our founder has served as CFO of a healthcare business since 2018, and we bring reporting that ties staffing and payer mix to cash.
- Location and service-line P&Ls
- A/R by payer and collections follow-up
- Payroll and labor reporting
- Budgeting and lender reporting
E-commerce & Marketplaces
Subscription commerce and consumer marketplaces need cohort economics and clean payment reconciliations. We have run finance for a subscription e-commerce platform growing 30% a year, rebuilding its close and board reporting along the way.
- Cohort and unit-economics reporting
- Processor and marketplace reconciliations
- Sales compensation and commission plans
- Coordination with your sales tax advisor
Frequently asked questions
Clear answers on scope, AI, pricing and how we work. Have a different question? Ask us directly.
What is the difference between a fractional CFO and a fractional Controller?
A Controller owns accuracy: the close, reconciliations, controls and audit readiness. A CFO owns direction: forecasting, capital, board and investor reporting, and strategic decisions. Many clients start with one and add the other. We provide both.
How do you use AI in finance without risking accuracy?
AI answers only from the figures on screen and says so when something is not in view. Forecasts and risk scores are documented rules, not opaque models. Nothing is emailed or paid automatically, and users are prompted to verify anything they act on.
Will you replace our bookkeeper or finance team?
Not necessarily. We can lead your team, work alongside it or run the function ourselves. We define roles and handoffs up front so nothing falls through the cracks.
How do you price your services?
Most work is a fixed monthly retainer based on scope: number of entities, transaction volume, reporting needs and complexity. Projects such as AI application builds, clean-ups and M&A support are scoped separately with a fixed fee.
How do you keep our data secure?
Role-based access, least-privilege permissions and encrypted connections. The AI only sees data each user is entitled to see. AI features use Anthropic’s Claude through its commercial API, and Anthropic does not train its models on data sent that way. Data handling is set out in your engagement letter, and we are happy to sign an NDA and work within your security policies.
What happens in the first 90 days?
Weeks 1–4: assess your close, cash and reporting, and stabilize the books. Weeks 5–8: connect your ERP and stand up the reporting, close and cash tools you need. Weeks 9–13: run the first full closes on the new cadence, with a working forecast and a monthly reporting package.
Do you provide audit or tax services?
No. We do not provide audit, assurance or tax filing services. We prepare audit-ready schedules, manage PBC requests and coordinate with your external auditors and tax advisors.
Ready to build your AI-enabled finance office?
Book a free 30-minute consult. We will map your close, cash and reporting workflows, show you the AI Finance Suite live, and outline what would change in your first 90 days.
- Free 30-minute consultation
- Month-to-month engagements
- Live walkthrough of the apps
- NDA available on request