Plain-English Q&A across every module, grounded in your QBO data and cited to source, period, and basis.
Finance AI
Your AI CFO, built on QuickBooks Online.
Peregrine CFO reads your books, closes the month, forecasts your cash, and answers finance questions in plain English — all grounded in the QuickBooks Online data you already trust. It is built for businesses and finance teams, fractional CFOs and advisory firms, private equity sponsors, family offices, and independent sponsors that need CFO-grade visibility across one company or many.
5–100QBO entities from one command center
Days → hoursMonth-end close compression
100%AI actions logged & human-approved
13-weekForward cash visibility
The problem
The close is late, the variance is a mystery, and the board deck is a fire drill.
Finance teams live in QuickBooks exports glued into spreadsheets. The numbers are right, but the story takes days to assemble — and by the time the board pack is ready, the month is already half over.
Generic AI tools make it worse: they hallucinate figures, can’t see your actual ledger, and can’t be trusted to touch the books. So the manual work never goes away.
The Peregrine CFO approach
An AI finance team that reads your actual ledger — and asks before it acts.
Peregrine CFO connects directly to QuickBooks Online and turns your books into a command center. Ask what changed in plain English and get a board-ready answer that cites the exact report, period, and sync time — never an invented number.
Every risky change becomes a Proposed Action a human approves, and every step is written to an immutable audit trail. It is AI you can actually put on the books, because it drafts and explains while your team stays in control.
What’s inside
Built to move work forward.
Core
Statistical forecast built from real AR/AP aging and payment behavior, with editable what-if cells.
Driver-based budgets and scenarios — TTM, % of revenue, YoY growth, volume×price — with bulk edits.
A close checklist that builds itself: auto-generated tasks, schedule automation, status, and period lock.
AI drafts journal entries and edits as reviewable proposals with before/after, risk level, and role gate.
Every user, agent, tool call, approval, and sync logged with timestamp and model version.
Advanced
MoM/QoQ/YoY variance commentary plus z-score and COGS anomaly detection surfaced as alerts.
Roll up parent/member entities into consolidated P&L and balance sheet across the portfolio.
Sources & uses, debt schedules, capex/depreciation, and exit waterfalls with balance checks.
DSCR, leverage, and min-cash covenant tracking with breach-direction thresholds and early warnings.
Parse leases, loans, and LP/operating agreements to extract economics, covenants, and cap-table terms.
One command builds a PDF/Excel board pack with KPIs, variances, aging, and an AI executive narrative.
How it works
From first day to operating rhythm.
01Connect QuickBooks
Securely link one or many QBO companies; Peregrine syncs P&L, balance sheet, GL, AR/AP, and transactions.
02Ask & analyze
Ask questions in plain English. The AI answers from your real ledger and flags anomalies, variances, and cash risk.
03Review & approve
AI proposes journal entries and edits; your team approves what matters. Nothing hits the books unsupervised.
04Report & repeat
Generate board packs in minutes — and every cycle leaves an audit trail and operating memory.
Product in action
See the operating layer.
Illustrative interface with sample data — no real customer information shown.
$120.0kRevenue MTD+6.2% vs budget
60%Gross margin+1.4 pts
8.4 moCash runwayUnder target
+$38.2kNet cash · 8 wksForecast
Ask Peregrine
“Why is our cash runway under target this month?”
Runway slipped to 8.4 months: a $58k rise in COGS compressed margin and AR 90+ aged another $6k. Source: P&L (accrual) + AR aging, Mar 2026.
Cited · P&L + AR aging · Mar 2026 · synced 6m ago Proposed Actions
Reclass $4,200 software to OpExPending
Accrue $12,000 legal (unbilled)Pending
Depreciation schedule · AprApproved
Reconcile bank & card accountsDone
Review AR / AP agingDone
Accruals & reclasses · 2 proposedIn review
Lock period & publishPending
Proposed journal entry
Reclass $4,200 software subscriptions from fixed assets to operating expense — drafted by AI, with before/after and a full audit trail for your approval.
+$38.2kNet cash · next 8 wksForecast
$1.62MLowest projected balanceWeek 9
92%Forecast accuracy · last qtr+3 pts
Wk 1 · inflows $84k · outflows $61k+$23k
Wk 2 · inflows $72k · outflows $69k+$3k
Wk 3 · inflows $90k · outflows $58k+$32k
Wk 4 · inflows $61k · outflows $77k−$16k
Who it’s for
Built for the office of the CFO — in-house or outsourced.
Peregrine CFO is for finance leaders running a recurring close-reporting-cash rhythm across one company or many.
Manage 5–100 client entities from one command center. Cut 2–4 hours of prep per client per month and standardize quality across the book of business.
Consolidated visibility across portfolio companies, covenant tracking, and deal-grade modeling — with the auditability investors expect.
Independent sponsors and family offices running operating companies and direct investments get consolidated, multi-entity visibility, covenant and 13-week cash tracking, and deal-grade FP&A/LBO modeling — without standing up an enterprise finance team.
Close faster, explain variance with the source, see cash 13 weeks out, and walk into the board meeting with the deck already done.
Why AI-native
What makes it different.
Source-grounded, never hallucinated
Every material answer cites the QBO report, period, basis, and sync time — or says the data is missing. It cannot invent numbers.
Asks before it acts
No unsupervised writes. Risky changes become Proposed Actions with risk level, role gate, and expiration. AI drafts; humans approve.
Permissioned & multi-tenant
The model operates only inside your validated entity scope and cannot switch tenants. Tool access is role-gated.
Defensible audit trail
User, agent run, every tool step, approval, sync, and upload — logged for the auditors, lenders, and investors who ask.
Operating outcomes
What the system should improve.
- Standardize reporting across portfolio companies
- Accelerate monthly close
- Identify anomalies before reporting packages go out
- Generate management and board reporting faster
- Improve visibility into cash, margin, EBITDA, and working capital
Use cases
Where it fits.
Portfolio company roll-upsMonthly close accelerationBudget versus actual analysisCash forecastingEBITDA bridge analysisBoard and lender reporting
FAQ
Questions, answered.
Does it change my books automatically?
No. The AI drafts journal entries, reclasses, and budget edits as Proposed Actions. A human with the right role approves before anything writes back to QuickBooks Online.
How does it avoid making up numbers?
Answers are grounded in your synced QBO data and cite the source report, period, and basis. If the data isn’t there, it says so instead of guessing.
Can it handle multiple entities?
Yes — manage many QBO companies from one screen and roll them up into consolidated statements. Built for firms and portfolios.
Is it secure and auditable?
Encrypted credentials, role-based access, tenant isolation, and a full audit trail of every AI and human action.
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