What Tilo does

The money jobs a CFO would do. Done every day.

Each card shows one job: how it gets done by hand today, and what Tilo shows you instead. Tilo reads your books and tells you. You decide what to do.

How to read a card
Runs itselfTilo keeps it up to date. Nothing to do.
You decideTilo flags it with the dollars. You choose.
When you askReady the moment you need it.

The Tilo app never moves money, sends anything for you, or changes your books. Want the work done for you? See the collections agent and bookkeeping.

What do you want off your plate?

Businesses like

Cash and forecast

Know where cash is heading, weeks before it gets there.

13-week forecastRuns itself

Cash, week by week, for the next 13 weeks

By hand today

A day in a spreadsheet. Stale the moment a customer pays late.

Cash forecast
Lowest week: $42,300, the week of March 16
Your minimum$30,000
RefreshedEvery day
Low-cash warningYou decide

A warning before cash dips below your minimum

By hand today

You find out when payroll is two days away.

Warning
Cash falls to $18,400 the week of April 6
Below your minimum by$11,600
Biggest reasonTwo large invoices due late
Monday emailRuns itself

Your week at a glance, every Monday at 7

By hand today

Logging in to three systems to piece it together.

Monday email
Cash stays above your minimum for 13 weeks
Due this week$23,900
Needs a decision3 things

People and payroll

Usually your biggest cost. Watched like it.

Can we afford a hire?When you ask

See what a new hire does before you make the offer

By hand today

A gut call, then a tight month three months later.

What if
Add a hire at $5,000 a month
12-month earnings−$60,000
Loan coverage1.62x → 1.38x
Or just ask Tilo“Can we afford to hire?”
Payroll vs salesYou decide

Payroll growing faster than sales

By hand today

You know the payroll total. Not whether it’s outrunning sales.

Issues
Wages up 14% while sales grew 4%
Wages, share of sales34%, up from 31%
Above sales growth$68,000 a year
Payroll weeksRuns itself

Payroll weeks, in the forecast

By hand today

Checking the bank balance the night before payroll.

Cash forecast
Your lowest week is a payroll week
Regular bills that week$28,400
Cash after payroll$36,800, above your minimum
Payroll vs budgetRuns itself

Every payroll miss over 5%, explained

By hand today

A budget made in January and never looked at again.

Budget
Payroll 9% over budget in March
Over by$14,200
Behind itOvertime on two jobs

Getting paid

Who owes you, how late, and who to call first.

Late payersYou decide

Who is late, ranked by dollars

By hand today

Scrolling the aging report and guessing who to chase.

Issues
$96,000 is more than 60 days late
Customers3
Call firstCustomer A · $52,000

Spend and savings

Money leaking out that nobody had time to look for.

Duplicate paymentYou decide

A bill paid twice, caught

By hand today

Found if someone happens to look, often months later.

Issues
Possible duplicate: $4,180 fuel bill
Same supplier3 days apart
To get back$4,180
SubscriptionsYou decide

Every subscription, with the yearly cost

By hand today

Card statements, line by line, once a year if ever.

Issues
14 subscriptions cost $7,500 a year
Not used in 90 days5
Could save$2,640 a year
Supplier pricesYou decide

Supplier costs rising faster than sales

By hand today

You feel it in the margin but can’t point to it.

Issues
Fuel and repairs up 18% while sales grew 4%
Mostly one supplier$35,000 a year
Next stepTake the numbers to them
Missing billsYou decide

Bills that look like they haven’t been entered

By hand today

Profit looks great until the missing bill shows up.

Issues
Monthly rent not entered for October
Usually$6,500 a month
Profit overstated by$6,500
UncategorizedYou decide

Spending nobody put in a category

By hand today

It sits in "Ask my accountant" until tax time.

Issues
$12,600 of spending has no category
Transactions41
Largest$2,900 · card payment

Profit and margins

Why profit moved, in plain words, every month.

Margin dropYou decide

Why the margin fell, in one sentence

By hand today

An evening comparing two months of reports.

Issues
Gross margin fell from 41% to 36%
Most of itFood costs, up 14%
SalesUp 2%
Monthly CFO reportRuns itself

A monthly report, written for you

By hand today

Nobody writes one, so nobody reads one.

Reports
October: sales up 6%, profit up 2%
Profit margin11.4%
CommentaryWhen you ask
Ask TiloWhen you ask

Ask anything about your numbers

By hand today

Email your bookkeeper and wait until next week.

Ask Tilo
“Why am I making more sales but less profit?”
Answer fromYour own books
Figures shownEvery one behind the answer

Customers

Who keeps buying, and how much you lean on a few.

Customer retentionRuns itself

Who came back, and who you lost

By hand today

You notice a regular is gone months after they left.

Customers
62 of last year’s 80 customers bought again
Revenue kept94%
Lost18 customers
ConcentrationYou decide

How much rides on your biggest customer

By hand today

You know it’s a lot. You don’t know how much.

Issues
Your top customer is 38% of sales
Top 3 customers61% of sales
Lenders often askAbout this number

Borrowing

Walk into the bank knowing the answer.

What you can borrowWhen you ask

The loan your earnings support

By hand today

Apply, wait two weeks, hear the number from the bank.

Funding
Up to $1.07M at today’s earnings
Coverage used1.25x
Coverage today1.62x
What if…When you ask

Test a decision before you make it

By hand today

Copy the spreadsheet, change three cells, hope.

What if
Raise prices 3%
12-month earnings+$48,000
Loan coverage1.31x → 1.44x
Lender packageWhen you ask

The package a lender asks for, from your books

By hand today

Weeks of gathering statements, right when you need the money.

Lender package
Earnings, debts, coverage and a 12-month projection
Send asExcel or PDF
Or shareA private link for 30 days

Figures on these screens are for illustration. Yours fill in from your own books.

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