Tilo reads your QuickBooks or Xero books and tells you where your cash is heading, what is costing you money, and how much you could borrow. In plain English.
Tilo wins · examples
What we do
Start with an agent that chases what you're owed, bookkeepers who keep your books current, or AI plus a CFO for every financial need, end to end. Every plan runs on Tilo, so you see your cash, your risks and your next move every day.
Most late invoices aren't disputes. Nobody followed up. The agent follows up on every one, on time, every time, and tells you the moment a customer needs a call from you.
Hi Sam, a quick note that invoice 1042 for $8,750 was due on October 6. I've attached it again here, with the link to pay by card or bank transfer. If it's already on its way, thank you, and please ignore this. If anything on it looks wrong, just reply and we'll sort it out.
Example screens from a made-up business. Names and amounts are examples.
Tilo does the first pass. A bookkeeper checks it before anything is posted to your books.
Every bank and card line categorized and matched to its bill or invoice. Questions come to you in one short list.
Accounts reconciled to the statements and the month closed, with your CFO report ready.
A clean year-end package for your tax preparer. We don't file taxes; your accountant still does.
If you're months behind, we start with a one-time catch-up, quoted before we begin.
Most of a CFO's hours go into gathering numbers and building spreadsheets. Tilo does that work for you, every day. So your CFO spends their time on what moves your business: decisions, the bank and your growth. You get the whole platform and a skilled finance partner, without the full fractional-CFO bill.
A month. Scale is priced after a short call, by the size and complexity of your business.
Your CFO walks through your numbers with you and agrees the next moves.
Budgets, pricing, hiring, a new truck or a second location, worked through with real figures.
Your lender package prepared with you, and someone beside you at the meeting.
Books kept every week and closed every month. Every late invoice followed up, with your OK first.
Every page of the Tilo app is included. Your CFO works from the same screens you see.
Your business at a glance: sales, profit, how long cash lasts and what you could borrow.
Problems found in your books, each with a dollar figure.
A 13-week cash forecast, week by week.
Where the money is made and lost.
20 standard ratios, read in plain words.
Who your business really depends on.
Every dollar going out, organized.
Who owes you, and how late.
A monthly CFO report, written for you.
Walk into the bank ready.
Ask anything about your numbers.
Set up in minutes, no change to your systems.
App screen shows a made-up example business.
*Pilot, “Fractional CFO cost guide”, checked November 2, 2026.
Just the software
Everything in "Your platform, working every day", without the people. 7-day free trial. Your team and your accountant join free. Cancel anytime.
Built for businesses like yours
Tilo wins
Hidden profit and stuck cash, sized in dollars. These are illustrative examples of what owners can do with Tilo, not quotes from named customers.
Collected $152,000 before payroll by following up on the overdue invoices Tilo flagged in the cash forecast.
A freight company with $2M in sales saw fuel and repairs up 18% while sales grew 4%. It took the numbers to its suppliers and saved up to $35,000 a year.
Uncovered $122,800 in lost profit by comparing what jobs were quoted at with what they actually cost.
Cut borrowing needs by $140,000 by forecasting when inventory bills were due and when customer payments would arrive.
A builder in Maine with $4M in sales called the customers Tilo listed first, collected $96,000 that was more than 60 days late, and covered two payrolls.
Traced a $350,780 drop in gross profit to rising costs, even as sales climbed.
Worked out the sales needed to make a hire, and found it would take $80,000 more revenue a month to cover the cost.
Free resources
Calculators, a 13-week cash template, help finding the right lender, and a twice-weekly newsletter on where to find capital.
Run the numbers before you call the bank.
The loan your earnings support, the way a lender works it out.
Open calculator →Your monthly payment and total interest on any loan.
Open calculator →How many months your cash lasts at today's spending.
Open calculator →Plan cash week by week in Excel. Free to download.
Get the template →More: plain-English guides on borrowing, margins and cash, and how Tilo compares with spreadsheets, Fathom, LivePlan and a fractional CFO.
Free download
The same week-by-week view CFOs use, as an Excel spreadsheet you fill in yourself. Free, no trial needed.
Planning to borrow?
Want to hire, expand, buy equipment or acquire another business? Tell us what you're planning and we'll follow up by email about the kinds of lenders and programs that fit, from SBA loans and banks to equipment finance and revenue-based lenders.
Want to see what capital is open right now? Get Tilo, our free newsletter.
Knowing where your money goes and where it's heading. Tilo flags issues with a dollar figure, forecasts cash 13 weeks out, writes a monthly CFO report, explains 20 ratios and builds a lender package. If you'd like the work done for you too, we offer a collections agent, bookkeeping, and Scale with a CFO; see Pricing.
Name your business, create an account, then connect QuickBooks or Xero, upload a spreadsheet, or answer 10 quick questions. You see your results before you add a card.
No. The Tilo app only reads your books. It never posts, edits or deletes anything, moves money, or files anything. If you choose our Bookkeeping or Scale plan, our bookkeepers keep the books for you.
Your taxes, and your books unless you hand those to us on the Bookkeeping plan. Tilo reads the books and turns them into answers, warnings and a forecast. Invite your accountant free, so your meetings start with the answers.
Minutes. Connected books import the last 24 months, usually in a minute or two, then refresh every day.
The Tilo app is $799 a month per company, after a 7-day free trial. If you want us to do more of the work, the collections agent is $349 a month, bookkeeping starts at $499 a month and Scale is $1,500 to $5,000 a month; see the Pricing page. You see a first look at your own results before you add a card, and you can cancel anytime in Settings. Your team and your accountant join free. Accountants and advisors with 5 or more client companies can ask about partner pricing.
Yes. The Funding page shows your debt service coverage today and with the loan you want, the largest loan your earnings support, and builds a lender package from your books. Download it as a PDF and an Excel file, or send your lender a private link that expires after 30 days. Tilo doesn't lend money or make introductions for a fee.
Most are. Tilo tells you how much spending it couldn't place, and uncategorized spending is often a finding in its own right. If you'd rather not fix them yourself, our Bookkeeping plan starts with a one-time catch-up.
If you keep books and have customers and suppliers to track, Tilo has something to work with. It works best with at least a year of history; with only a few months, trends and the forecast are rougher, and Tilo says so.
No. Tilo gives analysis of your own numbers. Your accountant still handles your taxes, and lenders set their own requirements.
Tilo is made by Nori Cap, founded by a former Wall Street M&A banker and private equity investor. Questions go straight to pa@noricap.com.
Only you and the people you invite can see it. Each company's data is kept separate, connection keys are encrypted, and we never sell or share your data. Tilo isn't independently certified yet.
From your business name to your own numbers in a few minutes. This is what you'll see along the way.
Step 1 · about a minute
Your business name, your website and what you do. Then create your account. No card yet.
Step 2 · about two minutes
Step 3 · right away
Your profit, how long your cash lasts and the ratios worth watching, before you add a card. Like what you see? Start the 7-day free trial to open everything.
Step 4 · every day after
Sales, profit, cash and what you could borrow, with every ratio explained. Connected books add issues sized in dollars, a 13-week cash forecast, the Monday email and Ask Tilo.
Screens show an example business.
No jargon, no endless spreadsheets, no sugarcoating. Just a clearer picture and what to do next.
Tilo was founded by a former Wall Street M&A banker and private equity investor who has spent years deciding what a business is worth and how much debt it can carry.
Questions go straight to the founder: pa@noricap.com
Works with QuickBooks Online, Xero, and exports from any accounting system.
| Tilo | Spreadsheet | Fractional CFO | |
|---|---|---|---|
| Cost | $799 a month; $1,500–$5,000 with a CFO (Scale) | Free, plus your evenings | Often $3,000–$12,000 a month* |
| Up to date | Every day | When someone updates it | Usually monthly |
| Spots problems | Flags each one in dollars | Only if you look | At the next meeting |
*Pilot, “Fractional CFO cost guide”, checked November 2, 2026. Full comparison
