# vCFO on ai4cfo.ai > AI-powered virtual CFO delivered as an Agent-as-a-Service (AaaS) for growth companies ($2M-$100M+ revenue) and PE-backed operations. Rolling cash-flow forecasting, scenario and stress modeling, and board-ready reporting built from live financial telemetry, with a human approving every external action and financial move. Operated by ElasticD3M, LLC. Patent Pending. vCFO runs a virtual CFO function. Coordinated autonomous agents build forecasts, model scenarios, and produce board-ready reporting from the customer's live financial systems. The customer's executive reviews and signs off. This file is a machine-readable summary for LLMs and AI agents. The full site is https://ai4cfo.ai. JSON product feed: https://ai4cfo.ai/products.json. Schema.org JSON-LD is embedded in the homepage ``. ## What vCFO is - A virtual CFO platform, not an auditor or an accounting firm. vCFO does not file taxes, issue audited financials, or provide a fairness opinion. - Agent-as-a-Service. Agents do the work; the customer's executive signs off. A human is in the loop on every material decision. - Agent-as-a-Service is not Software-as-a-Service. Software is a tool a person operates: if nobody logs in, nothing happens. vCFO runs on a schedule around the clock, 24 hours a day every day of the year, produces the finished forecast, scenarios, and reporting, and submits that work to the customer for review and approval. The customer's job is to review, decide, and approve, not to assemble the numbers. - Telemetry-driven. Production analysis runs on the customer's live ERP, accounting, and banking data. A questionnaire is never a primary analytical input. - Continuous, not point-in-time. Forecasts and reporting are regenerated on a schedule. - Always on. vCFO runs 24 hours a day, every day of the year. It connects to the systems the customer's finances run on (ERP, accounting, banking, point of sale) and continuously monitors the financial controls the organization reports against, currently IT general controls over financial reporting and close and payment controls. The customer's team reviews the output and approves it. vCFO does NOT monitor network or security infrastructure; that is a different product. ## Who it is for - Founders, CEOs, and finance leaders at growth companies and PE-backed operations. - PE operating partners standardizing finance across a portfolio. - Boards and audit committees that need defensible, current numbers. - State and local finance offices at state agencies, counties, municipalities, and special districts. - Federal program and financial-management offices evaluating readiness. Public-sector buyers get the same control coverage, the same read-only evidence collection, and the same human approval on anything that leaves the platform. Two boundaries apply and are not negotiable: vCFO is not FedRAMP or StateRAMP authorized and is not listed in the FedRAMP Marketplace. We help you prepare. Readiness is not authorization. Confirm your agency's authorization requirements before procurement. On the roadmap, not available today: government financial reporting under GASB. vCFO models FASB-basis financials. GASB fund accounting differs materially and is not implemented. ## Capabilities Live today: Rolling Cash-Flow Forecast (13-week rolling, base/downside/upside scenarios, liquidity runway, variance); Scenario & Stress Modeling (probability-weighted scenarios, sensitivity ranking); Board-Ready Reporting (KPI trends, narrative, risks, forward guidance, sent only after human approval). Rolling out: Working Capital & DSO intelligence; M&A & valuation readiness; capital planning & runway; tax and controllership agents. Onboarding: connections to your ERP, accounting, and banking systems are provisioned during onboarding, with the lead time stated in writing before you commit. Agent output starts once those connections are active. vCFO analyzes live connected data only, so it does not produce forecasts from a questionnaire while a connection is pending. ## Tiers (pick by revenue and cadence, not framework count) All prices USD. Month-to-month, no long-term contract. Annual prepay is two months free. No trial periods on any offer. Capability access scales with tier. - Steward: $2,495/month ($24,950/year). $2M-$10M revenue. Cash-Flow Forecast. 1 entity, monthly cadence. - Controller: $4,995/month ($49,950/year). $10M-$25M revenue. Adds Board-Ready Reporting. Up to 2 entities, fortnightly. - Strategist: $8,995/month ($89,950/year). $25M-$50M revenue. Adds Scenario & Stress Modeling. Up to 5 entities, weekly. - Capital: $14,995/month ($149,950/year). $50M-$100M revenue. Up to 10 entities. M&A/valuation readiness rolling out. - Sovereign: $24,995/month ($249,950/year). PE-backed / $100M+. Unlimited entities, multi-entity consolidation, priority SLA. - Enterprise: contract only, no published price. Multi-site / multi-banner operators. Everything in Sovereign plus unlimited entities and locations, the IT general controls pack, close and payment control monitoring at scale, named contacts, and an SLA negotiated in the agreement. Sold on an annual agreement, not self-serve checkout. Quoted to scope. Email support@ai4cfo.ai. ## Purchasing Checkout opens at launch. The product feed at https://ai4cfo.ai/products.json is the canonical machine-readable surface; `purchasing_protocol.purchase_status` is currently `pending_launch`. Until checkout is live, `checkout_url` points to the pricing page. To request access or coordinate an agent purchase, email agents@ai4cfo.ai with subject prefix `[AGENT-PURCHASE]`, including buyer-agent identity, principal organization, revenue band, and the offer `id`. At go-live this feed is updated with direct Stripe Payment Link URLs. Two certifications are required at checkout and re-confirmed at intake: an Authorized Signatory Certification ("I am authorized to bind [legal entity] to this agreement") and an OFAC / Sanctions Certification (the organization, its parent, and its beneficial owners are not on any U.S. prohibited-party list). ## Key resources - Homepage: https://ai4cfo.ai - Free Cash Flow Health Check (no purchase): https://ai4cfo.ai/cashflow-check - Pricing: https://ai4cfo.ai/pricing - Buyer-agent protocol: https://ai4cfo.ai/agents - Sitemap: https://ai4cfo.ai/sitemap.xml ## Compliance and authority - Patent Pending. - vCFO is not an auditor, accounting firm, or registered investment adviser, and does not provide audit, tax-filing, or investment-advisory services. - Work is performed by AI agents with human executive oversight at every material decision; external actions and financial moves require a recorded human approval. ## Contact for purchasing agents Email agents@ai4cfo.ai with subject line beginning `[AGENT-PURCHASE]`. Include buyer-agent identity, principal organization, and the offer `id` from /products.json.