Consultor Financeiro-AI-powered financial planning tool

Example

Continuously import bank statements, credit card feeds, POS summaries and automatically match them to recorded invoices, expenses, payroll and transfers. When matches are ambiguous, present ranked suggestions with confidence scores and the evidence used to arrive at the match (amounts, dates, vendor names, memo text).

Scenario

A boutique design studio receives client retainer payments and uses multiple corporate cards. At month-end, Consultor Financeiro reconciles bank activity with invoiced retainers and petty expenses, flags three unmatched card charges (one personal charge by an employee) and creates a reconciliations report that the bookkeeper signs off on — reducing the time spent reconciling by 70% and preventing personal expenses from entering the business P&L.

Example

Generate customizable Profit & Loss, Balance Sheet, Cash Flow statements, and KPI dashboards (gross margin, LTV:CAC, burn rate) with drill-down ability to transaction-level detail. Produce formatted reports suitable for investors, lenders, or tax filings, including explanatory notes for significant variances.

Scenario

A startup preparing for fundraising requires monthly operating metrics and investor-ready reports. Consultor Financeiro pulls together an investor packet that includes a clean P&L with normalized expenses (one-time items separated), a monthly cash burn chart, customer cohort LTV metrics, and a short memo explaining a 30% QoQ revenue dip attributable to delayed enterprise contracts — enabling the CFO to present a clear, defensible story to potential investors.

Example

Run multi-horizon cash-flow forecasts (7/30/90/365 days) using scheduled payables/receivables, recurring revenue, and probabilistic collections. Create and monitor budgets and send proactive alerts when forecasts cross risk thresholds. Support scenario modeling (e.g., 'if revenue drops 20% next quarter' or 'if supplier payment deferred') and quantify the impact on runway or liquidity.

Scenario

A seasonal e-commerce seller expects a spike during holiday sales and wants to ensure inventory financing doesn't cause cash shortfalls. Consultor Financeiro models the expected cash inflow from sales, the required inventory purchases, and loan repayment schedules, then recommends the optimal timing for a short-term line of credit. When AR aging shows slower collections, the assistant triggers an alert and re-runs a scenario showing the new runway and suggested cost deferrals to avoid borrowing more than necessary.