Pricing

Tilo shows you the numbers. Now we can do the work behind them too.

Put an agent on the invoices nobody has time to chase, hand off the books, or bring in a finance team as you grow. Every plan includes the Tilo app.

For getting paid faster

Collections agent

An agent with one job: chasing the money you're owed, politely and on time, so you don't have to.

$349a month
  • Watches every open invoice, every day
  • Drafts reminders in your voice, from your email
  • You approve before anything is sent
  • Follows up on a schedule you set
  • Logs promises to pay and updates your cash forecast
  • Hands the hard ones back to you, with the history

Works on its own or with any plan.

See how it works
For clean, current books

Bookkeeping

We keep your books up to date every week and close each month, so every number in Tilo is one you can trust.

From$499a month
  • Every transaction categorized, every week
  • Bank and card accounts reconciled
  • Bills and invoices entered, payroll recorded
  • Year-end package for your tax preparer
  • The Tilo app included

Price depends on how many transactions and accounts you have.

Get a bookkeeping quote
For running it yourself

Tilo app

The AI CFO software on its own. It reads your books and tells you where cash is heading and what to fix.

$799a month
  • Connects to QuickBooks or Xero, or upload your exports
  • A 13-week cash forecast, week by week
  • Problems flagged and sized in dollars
  • Ask Tilo anything about your numbers
  • A Monday email on where cash is heading
  • Know what you can borrow, with a lender package

7 days free, then $799 a month. Cancel anytime.

Start free trial
For growing businessesBest value

Scale

Your finance team: bookkeeping, collections and a CFO who meets with you, plans with you and sits in on the bank meeting.

$1,500–$5,000a month
  • Everything in the Tilo app, Bookkeeping and Collections
  • A monthly CFO meeting on your numbers
  • Budget, pricing and hiring decisions, worked through
  • Lender package prepared, and help at the bank
  • Job, customer or location profitability
  • One team to call, by email or phone

Priced after a short call, by the size and complexity of the business. See everything included

Book a call
Collections agent

An agent with one job: getting you paid.

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.

  1. 1
    Spots it. An invoice passes its due date. The agent reads the customer's history: always late, or out of character?
  2. 2
    Drafts it. A friendly reminder in your voice, with the invoice attached and a way to pay.
  3. 3
    You approve. One tap to send from your own email. Or set rules, like "send small reminders without asking".
  4. 4
    It keeps going. Follow-ups on your schedule. Promises to pay go in the cash forecast. Anything tricky comes back to you.
Never adds fees or threatens Never changes your books Stops the moment you say so
CollectionsExample business
Overdue$96,0009 invoices
Reminded$41,2005 invoices
Promised$22,500By Nov 20
Paid this month$58,30012 invoices
Waiting for your OKInvoice 1042 · 34 days late · $8,750
To: accounts@customer-a.exampleSubject: Invoice 1042 for October

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.

Approve and send Edit I'll call them
Customer B · history
Day 3 · Friendly reminder sentOpened
Day 10 · Second reminder sentReply received
Day 11 · Promised $22,500 by Nov 20Added to forecast

Example screens from a made-up business. Names and amounts are examples.

Bookkeeping

Books that are never more than a week behind.

Tilo does the first pass. A bookkeeper checks it before anything is posted to your books.

Every week

Categorize and match

Every bank and card line categorized and matched to its bill or invoice. Questions come to you in one short list.

Every month

Reconcile and close

Accounts reconciled to the statements and the month closed, with your CFO report ready.

Every year

Ready for tax time

A clean year-end package for your tax preparer. We don't file taxes; your accountant still does.

Behind on your books?

Catch-up first

If you're months behind, we start with a one-time catch-up, quoted before we begin.

Scale · $1,500–$5,000 a month

Everything Tilo does, plus the people to act on it.

Scale includes every part of the Tilo app, the bookkeeping and the collections agent, and a CFO who goes through it with you each month.

Book a call

Cash

  • 13-week cash forecast, refreshed every day
  • Warning before cash drops below your minimum
  • Loan payments, owner draws and taxes added in
  • The Monday email: your week at a glance

Issues, sized in dollars

  • Customers more than 60 days late
  • Possible duplicate payments
  • Subscriptions and supplier prices creeping up
  • Bills that look missing, spending with no category
  • Margin drops and costs growing faster than sales

Profit and performance

  • Monthly CFO report in plain English
  • Budget vs actual, every miss over 5% explained
  • 20 financial ratios, each explained in plain words
  • Profit by account, with share of sales

Customers and people

  • Customer retention: who came back, revenue kept
  • How much rides on your biggest customers
  • Payroll against sales and budget
  • What a new hire does to earnings and cash

Borrowing

  • What you can borrow at today's earnings
  • Debt service coverage, today and with a new loan
  • What if: test prices, volume and costs first
  • Lender package as Excel or PDF, or a private 30-day link

Ask and connect

  • Ask Tilo anything, answered from your own books
  • QuickBooks Online, Xero or spreadsheet uploads
  • Read-only: Tilo never changes your books
  • Your team and your accountant join free
Plus bookkeeping

Books kept every week and closed every month, so every figure above is current.

Plus the collections agent

Every late invoice followed up, with your OK before anything is sent.

Plus a CFO

A monthly meeting on your numbers, help with budgets, pricing and hiring, and someone in your corner at the bank.

What's in each plan

Collections agent
$349 a month
Tilo app
$799 a month
Bookkeeping
From $499 a month
Scale
$1,500–$5,000 a month
Late invoices chasedEvery day, you approveFlagged, you chaseFlagged, you chaseEvery day, you approve
Cash forecast, alerts, Ask TiloLate payers onlyYesYesYes
Books kept for you—You or your bookkeeperWeekly, closed monthlyWeekly, closed monthly
Lender package—Built from your booksBuilt from your booksPrepared with you, plus help at the bank
A CFO who meets with you———Every month

Questions

Will the collections agent email my customers without asking?

Not unless you tell it to. Every reminder waits for your OK by default. You can set rules later, like sending first reminders under a set amount on their own.

How do you set the price for Scale?

After a short call. It depends on your sales, how many transactions and locations you have, and how often you want to meet.

Do you do taxes?

No. We keep the books ready for your tax preparer and work alongside them. Tilo gives analysis, not tax, legal or investment advice.

Can I switch plans?

Yes. Start with the app or bookkeeping and add collections or Scale when you need them.

Not sure which fits? Tell us where the money work piles up.

A 15-minute call. We'll tell you honestly if the app on its own is enough.

Talk to us Try the app free