What grade would a CFO give your business?
Drop in your numbers — in any currency — or upload a sheet, and get your CFO Grade, full ratio dashboard, peer benchmark, and a tailored memo. Read it as an owner planning the next quarter, or as an analyst sizing up a borrower. Works for businesses anywhere.
How it works
Three steps. No spreadsheet pain.
Paste your numbers
Type in a friendly form, or upload a CSV, Excel, or PDF of your P&L and balance sheet. As few as six inputs gets you a real report.
Get your grade
In seconds: 24+ ratios, an A+ to F letter grade, and industry-aware benchmarks across 16 sectors and 15 regions.
Read the memo
Plain-English read of what's working and what to fix next quarter. Owner-operator lens or analyst lens — your choice.
Built with benchmarks across 16 industries
What it measures
The ratios bankers, accountants and acquirers actually look at.
We compute the full set — profitability, liquidity, solvency, efficiency, and cash flow — and explain what each one is whispering about your business.
Every margin, calculated
Gross, operating, EBITDA, and net margins side-by-side, with industry-aware thresholds.
Debt and risk, in plain English
DSCR, interest coverage, debt-to-EBITDA and a clear risk rating that bankers actually use.
Liquidity and efficiency
Current ratio, quick ratio, cash conversion cycle, working capital — without the spreadsheet pain.
AI advisor narrative
A senior-CFO-style memo highlighting risks and the moves that move the needle next quarter.
Type or upload
Use a friendly form, or drop in a CSV, Excel, or PDF of your P&L and balance sheet.
Private by default
No accounts, no marketing pixels, no funnels. You sign an acknowledgement and get to work.
Any currency, any country
USD, EUR, INR, BRL, ZAR — pick yours. Ratios and benchmarks are universal.
Why people use it
Bookkeepers, owners, and analysts have all found different things to love.
I ran a quick health check on twelve client P&Ls in under an hour. The letter grade is the part my clients actually understand.
Our DSCR was 1.1× — we would have walked into the bank and embarrassed ourselves. Fixed it in two months before applying.
Used it to sanity-check the diligence pack on a small acquisition. Saved me an hour of building my own model.
Composite voices from real user feedback during beta. Identifying details changed.
Made for the operator
Built for the owner who runs the business and the books.
- Family-owned shops trying to understand whether next quarter's loan payment is safe.
- Restaurant and service operators who want to know which margin to chase first.
- Bookkeepers and fractional CFOs who need a fast read for client conversations.
- Founders preparing for an SBA loan or a credit facility renewal.
FAQ
The honest answers, before you click anything.
Still wondering something? — we read every one (no email required).
Yes — the full analysis, all 24+ ratios, the letter grade, and industry benchmarks are completely free with no signup required. Optional paid features ($19 single PDF, $29 Pro Pass with AI memo) exist for users who want more, but you never need to pay to see your grade.
Read the room — your financial room.
No account. No card. Just an honest read of where you stand and what to do next.