Your Whole Finance and Accounting Function.
One Number to Call.
Manage compresses the four-to-eight-person finance team you cannot justify hiring down to one Fractional CFO, one named operator, and four workstreams that run on a per-client CEO dashboard. For owner-operated companies between $5M and $50M in ecommerce, wine, health and wellness, and elective medicine.
If This Sounds Like You, Keep Reading
Manage exists because the typical fractional CFO + offshore bookkeeping + standalone analyst combination is failing for owner-operators at this scale. These are the specific failure modes we replace.
Your Monthly Close Has Errors You Are Catching, Not Them
Six of the last eight months had a P&L error your ops team noticed before the finance team did. 3PL overcharges, split shipments booked into the wrong month, marketplace fees not reconciled. The cost is not just the dollars. It is the trust.
You Found Out About a Cash Gap by Living Through It
You took on a high-APR working capital line because the forecast did not see the gap coming. You would rather a daily-refreshed 13-week forecast that alerts you the week before, not a quarterly board slide reviewing what already happened.
You Cannot See Profitability by SKU, Channel, or Cohort
You have 50 SKUs and launch 50 more a year. You sell across Shopify, Amazon, TikTok Shop, wholesale, and direct. You run ads on six platforms. You have no idea which SKUs are dilutive, which channels are unprofitable, or what your cohort LTV-to-CAC really looks like at 30, 90, 180, and 365 days. Decisions are gut.
You Have Three Finance Vendors and No One Owns the Outcome
One firm does the books. Another does the CFO work. A third runs the dashboards or the analytics. When something is wrong, each one points at the others. You wanted accountability. You got coordination tax.
Your Current Setup Cannot Get You to 10 Percent Net
You are at 2 to 5 percent net margin. You want to get to 10. Your finance team can produce a P&L, but they cannot build the SKU-rationalization plan, the 3PL renegotiation case, the channel-mix reallocation, or the marketing-efficiency tightening that the climb requires. Results depend on your business, but you need a CFO who runs that plan, not just reports against it.
You Are Heading Into a Big Quarter and Cannot Afford a Surprise
Q4 is 40 percent of your year. Your current setup got you through last year, but barely. You cannot enter peak season again with a finance function that is fragile, slow, and reactive.
Four Workstreams. One Accountable Owner.
The five agents organize their 49 skills into four workstreams that map to how your business actually runs. Daily, weekly, monthly, and quarterly outputs that an in-house team of four would produce.
01 · Close & Reporting
Controller agent + CFO agent. Daily transaction categorization with human sign-off. Multi-channel marketplace settlement reconciliation across Shopify, Amazon, TikTok Shop, and your POS. 3PL and vendor invoice validation that flags overcharges weekly. FX revaluation for multi-currency operators. Monthly close signed by Scott on day eight, held to a 99%+ accuracy standard. Variance commentary that explains what happened and why, not just what. The monthly CFO narrative your board, lender, or CPA can rely on.
02 · Cash & Working Capital
Treasurer agent + CFO agent. A 13-week cash forecast pulled daily from your live bank, AR, AP, open POs, ad pacing, payroll calendar, and tax obligations. Monday-morning rendered weekly with drift detection (last Monday we projected week 7 at $480K; today $390K; here is what changed). Pre-computed scenarios for revenue-down, tariff shock, accelerated paydown. Collections nudges drafted for your operator's queue. Lockbox capture for paper-check B2B AR. Runway alerts before they become emergencies.
03 · Unit Economics & Forecasting
FP&A agent. SKU profitability matrix with named verdicts (hero, margin king, kill candidate). Channel and country P&L with marketplace-fee allocation per SKU. Cohort LTV and CAC at 30, 90, 180, and 365 days, plus 540 and 730 day variants for slow-reorder businesses. Marketing halo attribution for DTC ad spend that lifts marketplace sales but goes uncredited. Launch-cohort tracking for high-velocity SKU launches. Driver-based forecast you can edit live in Excel. Your per-client CEO dashboard. The growth team gets data that respects their existing CM dashboard; finance layers on what they cannot build.
04 · Compliance & Risk
Tax & Compliance agent. Multi-state sales tax nexus monitoring across all your channels. Marketplace facilitator coverage verification (Amazon and TikTok collect-and-remit by state). 1099 prep and W9 collection. Audit-trail workpapers your CPA can file from. Estimated quarterly tax payment calculations. Vertical-specific compliance (TTB for wine, HIPAA-tier data handling for medical, sales tax + marketplace facilitator for ecom). The pre-publish gate runs on every artifact that leaves the engagement.
Three Humans, Five Agents, One Owner
The model that lets a sub-$50M company afford a finance function that used to require four to eight people. The compression is real, and so is the honesty: the agents do the procedural work; humans do the judgment, the exceptions, the communication, and the signing. Below is what each layer actually does.
Scott as Fractional CFO
~10 hours per week per client, hard cap
Owns the relationship, signs every monthly close, runs the weekly office hours, drives the margin plan, owns vendor and financing negotiations, hires and manages the operator. Reviews and signs; does not produce. The single accountable owner of the function.
Your Named Bookkeeper-Controller
~80 hours per month, US-based, dedicated to your account
Single senior operator who runs day-to-day execution: transaction sign-off, marketplace reconciliation, 3PL invoice validation, AR collections, AP discipline, sales tax filings, inventory accounting, monthly close production. Works directly with your logistics, supply chain, and growth teams. We source and contract the person; you get a named individual who knows your business.
On-Demand Analyst Pool
~20 hours per month average, scales up for deep-dive work
For the analytical lifts that go beyond what the dashboard produces natively: bespoke scenario modeling, board-style packages for lenders or investors, dashboard repairs when integrations break, ad-hoc analysis tied to the quarterly strategic review.
Five AI Agents
Always on, in the background
Controller, Treasurer, FP&A, Tax & Compliance, and CFO agents running 49 specialized skills across daily categorization, marketplace reconciliation, cash forecasting, cohort economics, vendor invoice flagging, dashboard refresh, and compliance monitoring. They handle the roughly seventy to eighty percent of finance work that is procedural: data pulls, reconciliation, deterministic math, first-draft narrative, threshold alerts. The remaining twenty to thirty percent (GAAP judgment, novel-transaction categorization, integration exception handling, vendor and 3PL negotiation, client-team coordination, and signing the close) is human work. The agents accelerate the humans; they do not replace judgment. Every output a human reviews and a human signs.
Your Per-Client CEO Dashboard
Four tiers, one URL, refresh-as-you-need
Built fresh for your account on top of your data. Phone-first Tier 1 for the 30-second morning glance. Desktop Tier 2 for the weekly operating meeting. Tier 3 for the monthly close. Tier 4 for the quarterly strategic deep dive. Auth-gated to you and the people you designate.
Four Cost Components. Honest About All of Them.
We do not put a price card on Manage, because the right number depends on your structure: your vertical, your entity count, the state of your books, how much your named operator carries. What does not change is what the cost is built from. Here are the four components. The figure is scoped on a Fit Call against your actual situation.
The Main Street IQ Layer
Scott as your CFO. The five-agent infrastructure with the 49 skills. Your per-client CEO dashboard. The on-demand analyst pool. Weekly office hours and async-first communication. Monitor Plus cohort intelligence layer bundled by default. This is the base of the engagement.
Your Named Operator
Your named bookkeeper-controller, sourced by Main Street IQ, contracted by us, billed through to you at cost. US-based, dedicated to your account, a real person who knows your business by name. Sized to the work your books actually require.
Your Software Stack
QuickBooks, A2X, Ramp, Bill.com, Avalara or TaxJar, Plaid, and the ad-platform connectors. Your stack, not ours, paid by you directly. Much of this often replaces software you already pay for elsewhere; we will tell you on intake.
One-Time Setup
Vertical-pack configuration, adapter wiring, dashboard build, agent vault provisioning, historical data backfill. Real work, named transparently, and waived for the first three Manage clients as our lighthouse customers.
Multi-Entity and International
The base covers one entity and US-only operations. Each additional entity carries a scoped surcharge, as does each additional currency or jurisdiction. We scope it against your actual structure, not from a list.
Terms
Three-month minimum. Month-to-month thereafter with 30-day notice. Monthly billing only at v1; annual prepay returns once the product is bug-free and predictable. No multi-year contracts during launch.
Compared against the alternative (an in-house bookkeeper plus controller plus analyst plus a fractional CFO, or a big fractional CFO firm with no dashboard and no AI layer), Manage is designed to land below the cost of assembling the function yourself, with one accountable owner instead of four vendors. We will walk you through the full figure for your business on the Fit Call.
Built for Financial Data From the Start
Your financial data lives in encrypted per-client storage. Credentials are brokered through a vault so AI tools never hold real tokens. Customer PII and account numbers are tokenized before any AI call. Every artifact bound for you, your CPA, your lender, or your board passes through a four-checker integrity gate before it ships. Network-isolated VPC deployment is available as an enterprise add-on. HIPAA-ready engagements with a signed Business Associate Agreement are supported for elective medicine clients handling protected health information.
For your security team, compliance officer, or legal counsel. The Main Street IQ Trust Center documents every control, every vendor, and the data flow end to end. Built for the people who need the long version before they can sign off.
Four Verticals, One Operating System
The skills and dashboard are vertical-agnostic. The vertical pack (your adapters, your cohort definitions, your unit-economics axes, your compliance calendar) slots in at onboarding.
Ecommerce (v0 launch vertical)
QuickBooks + Shopify + Amazon SP-API + TikTok Shop. Multi-channel marketplace reconciliation. 3PL invoice validation. SKU and channel and cohort unit economics. Marketing halo attribution for DTC-into-Amazon brands. Built first because the data is richest and the failure modes are most visible.
Wine
QuickBooks + Commerce7 or vinSUITE or VineSpring + tasting-room POS + TTB compliance. Wine club cohort economics. DTC + wholesale + tasting room channel P&L. Estate vs negociant brand-level margin separation. Ships post-July 2026 as the wine practice unifies under Main Street IQ.
Health & Wellness
QuickBooks + Mindbody or Acuity or GHL + Shopify for product. Membership cohort economics. Service vs product margin separation. Multi-location P&L. Cash-pay and recurring-revenue treatment.
Elective Medicine
QuickBooks + Nextech or Modernizing Medicine or Mangomint + your POS. Patient cohort economics. Provider-level and treatment-class profitability. HIPAA-tier data handling at the redaction layer. Multi-modality practices (surgery + injectables + skin + cosmetic dental) covered.
Three Months to Fully Live
Month 1: Stabilize
First close, integrations live, daily cash refresh running
Pull historical data, wire QuickBooks and marketplace adapters, provision the vault, hire and onboard your bookkeeper-controller, get the first monthly close completed under our discipline, stand up the 13-week cash forecast. Dashboard Tier 1 (phone glance) live.
Month 2: Build
SKU and cohort layer live, dashboard tiers expand
SKU profitability matrix complete. Cohort economics (LTV/CAC at 30/90/180/365) running. Marketing halo attribution wired. Channel and country P&L. 3PL and vendor invoice validation agent producing weekly flagging. Dashboard Tiers 2 and 3 live.
Month 3: Operate
Full cadence locked, quarterly review scheduled
Monthly close signed by day eight. Weekly CEO dashboard ritual locked. Monday-morning cash narrative in your inbox. Margin plan documented with quarterly checkpoints. Dashboard Tier 4 live for the quarterly strategic deep dive. Onboarding complete; the system is now your operating floor.
Common Questions
Daily bookkeeping execution held to a 99%+ accuracy standard. Monthly close signed by Scott. A 13-week cash forecast that refreshes daily and is rendered weekly. SKU, channel, cohort, and customer-level unit economics in your CEO dashboard. Cohort LTV and CAC at 30, 90, 180, and 365 days (longer windows for slow-reorder businesses). 3PL and vendor invoice validation. Sales tax, 1099, and compliance filings prep for your CPA to file. Capital stack management. A monthly CFO narrative in your hands by day eight, written and signed by Scott. Weekly office hours with the CEO and asynchronous everything else.
We do not publish a price card for Manage, because the right number depends on your structure. The cost is built from four components: the Main Street IQ layer (the CFO, the dashboard, the agent infrastructure, and the on-demand analyst pool); your named bookkeeper-controller, sourced by us and billed through at cost; your own software stack (QuickBooks, A2X, Ramp, sales tax), much of which often replaces software you already pay for elsewhere; and a one-time setup fee that is waived for the first three Manage clients. Multi-entity and multi-jurisdiction operations carry a scoped surcharge. Three-month minimum, then month-to-month with 30-day notice. We scope the full figure on a Fit Call against your actual situation, not off a list.
We are not your CPA. We feed them clean workpapers and they file your income tax return. We are not your audit firm. We do not execute marketing, run operations or supply chain, run your point-of-sale or e-commerce platform, run payroll (Gusto or ADP runs payroll; we orchestrate prep and posting), or make business decisions on your behalf. We recommend; you decide.
Owner-operated companies between $5M and $50M annual revenue (between $3M and $50M for wineries, where the margin structure is different). Operating in ecommerce, wine, health and wellness, or elective medicine. With a finance function that is breaking down: monthly closes that miss errors, cash forecasts that arrive too late, no SKU or cohort visibility, a fractional CFO setup that has multiple people pointing fingers. Above $50M, the model breaks; we refer those companies to peers or quote a custom CFO engagement.
Three months from start to fully live. Month one stabilizes the books and gets the integrations wired. Month two builds out the SKU and cohort layer plus the dashboard tiers. Month three locks in the operating cadence: daily cash refresh, weekly CEO dashboard ritual, monthly close signed by day eight, quarterly strategic review. Transition from an existing fractional CFO setup can run in parallel; a mid-month transition can run in as little as two weeks when the calendar requires it.
Your financial data lives in encrypted per-client storage. Credentials are brokered through a vault so AI tools never hold real tokens. Customer PII and account numbers are tokenized before any AI call. Every artifact bound for you, your CPA, your lender, or your board passes through a four-checker integrity gate. Network-isolated VPC deployment is available as an enterprise add-on. HIPAA-ready engagements with a signed Business Associate Agreement are supported for elective medicine clients. The full stack and vendor details are on our Trust Center.
Engage is the CFO at the table: monthly narrative, scenario modeling, dashboard read-only, quarterly strategic review. You keep your existing bookkeeper or controller; we do not execute daily work. Manage is the full embedded function: we run daily bookkeeping, monthly close, cash, cohorts, compliance, the whole stack. Engage is a wedge under Manage; many clients start in Engage and move to Manage once they decide they want one team running the whole thing.
Scott personally is the binding constraint at three concurrent Manage clients. The skill library and dashboard scale infinitely; CFO judgment time does not. When all three seats are full, new prospects join a waitlist or take Engage instead. We will expand capacity with a second senior CFO once the operating system is repeatable, but we are not promising that until it ships.