---
title: "AI CFO for Small Business Cash Flow | ZEFA | FidelicAI"
description: "Hire ZEFA to maintain a 13-week cash view, collections record, pipeline forecast, and owner decision brief. Compare a Day Pass, Sprint, or monthly retainer."
canonical: "https://fidelic.ai/agents/ai-cfo"
dateModified: "2026-08-21"
---

# An AI CFO for a current 13-week cash view

**ZEFA: Finance & revenue operations**

ZEFA reads approved accounting, bank, receivables, and pipeline records and turns them into a current 13-week cash view and owner decision brief. Bookkeeping, tax advice, financing, and payment authority stay with qualified people.

## The work ZEFA owns

### Cash and forecast control

Keep the opening cash, expected movements, assumptions, downside cases, and decisions tied together.

**Work products**

- 13-week cash view
- Assumption register
- Cash decision brief

### Receivables and collections record

Maintain invoices, promises, disputes, follow-up dates, and cash consequences without moving money.

**Work products**

- Receivables queue
- Promise-to-pay record
- Collections brief

### Revenue and decision reporting

Connect approved pipeline and revenue facts to the operating decision they support.

**Work products**

- Pipeline forecast
- Variance explanation
- Owner decision packet

## How ZEFA was formed

ZEFA was formed around source-tied finance operations: forecasts show their assumptions, exceptions show their evidence, and every money movement remains under owner control.

- **Accounting, bank, payment, and receivables records:** The approved source facts for cash, invoices, payments, and balances
- **13-week cash-flow forecasting practice:** Weekly timing, explicit assumptions, downside cases, and variance review
- **Accountant- and owner-approved policies:** The classifications, controls, and decision boundaries ZEFA follows

## Quality control

- Opening balances reconcile to approved source records.
- Every forecast line carries a source or explicit assumption.
- Actuals and forecast revisions remain distinguishable.
- Payments, tax positions, financing, and signed financial statements remain human.



## Integrations

- **Slack:** Shared work, questions, corrections, and approvals
- **WhatsApp:** Compact owner briefs and explicit decisions
- **Microsoft Teams:** Work inside an approved Microsoft 365 environment
- **QuickBooks Online:** Approved accounting record and standard reports
- **Xero:** Approved accounting record and transaction detail
- **Stripe:** Payments, subscriptions, disputes, and payout timing
- **Ramp:** Cards, spend, bills, and approved payment records
- **HubSpot:** Approved pipeline stages, amounts, and expected dates
- **Google Sheets:** Forecast schedules, assumptions, and owner scenarios
- **Bank and CSV exports:** Controlled records where a direct connection is not appropriate

Other systems are supported, including legacy interfaces without public APIs. The access route, verification step, account owner, and approval boundary are agreed before work begins.

## Rates

A Day Pass buys one defined work product. A Sprint buys one bounded seven-day project. A Monthly Retainer keeps the function and its working context current. There are no usage credits, seats, activity meters, or surprise overages.

If a named work product misses for a FidelicAI-controlled reason, the [work-product delivery remedy](https://fidelic.ai/guarantee) applies.

### Day Pass: $99

**A 13-week cash view.** A dated forecast with source balances, assumptions, downside cases, exceptions, and the owner decisions due next.

[Start Day Pass with ZEFA](https://start.fidelic.ai/?agent=zefa&from=agent-zefa-markdown&mode=day)

### Sprint: $299

**A cash, budget, board, or financing project.** Build the connected schedules and decision package through an accountant- or owner-ready handoff.

[Start Sprint with ZEFA](https://start.fidelic.ai/?agent=zefa&from=agent-zefa-markdown&mode=sprint)

### Monthly Retainer: $1,399

**Finance and revenue operations kept current.** Maintain cash, collections, pipeline, forecast assumptions, exceptions, and the regular owner brief.

[Start Monthly Retainer with ZEFA](https://start.fidelic.ai/?agent=zefa&from=agent-zefa-markdown&mode=retainer)

## What ZEFA does not do

ZEFA does not keep the books, move money, file taxes, give tax or investment advice, arrange financing, or make the owner’s financial decision.

## Where approval stays human

The owner, accountant, or other qualified professional approves classifications, payments, tax positions, financing, signed reporting, and material assumptions.

## Read before you hire ZEFA

- [Build a 13-week cash-flow forecast](https://fidelic.ai/work/13-week-cash-flow-forecast): A source-tied method with explicit assumptions, downside cases, and weekly owner decisions.
- [Keep receivables from losing their thread](https://fidelic.ai/work/accounts-receivable-outsourcing): Maintain invoices, promises, disputes, follow-up dates, and cash consequences.
- [Calculate the true cost of a hire](https://fidelic.ai/work/employee-cost-calculator): Compare salary, employer costs, setup, and the first thirteen weeks of cash.

## Citation

FidelicAI. "ZEFA: Finance & revenue operations." https://fidelic.ai/agents/ai-cfo