$1,500 to $3,000/mo
A fractional CFO: the human version of these answers
For home-service business owners
Know what every service actually earns.
FinOpHQ reads your books and answers the questions that keep you up at night: which services make money, how many weeks of cash you really have, and what to do about it. In plain English, not accountant-speak.
Read-only: it can never touch your books. One plan, $89/month. Built by an owner, not a boardroom.
QuickBooks Online
Jobber beta
Bank balance rolling out
Your seasons
FinOpHQ says
“Pressure washing kept 9¢ of every dollar last quarter. Busy is not the same as profitable.”
“Set aside $1,850 for taxes this month. That money is already spent. Treat it that way.”
“Your thinnest week is seven weeks out. Move the truck repair and you clear it with room.”
Illustrative examples. Your verdicts come from your own books.
Connects to
QuickBooks Online
Jobberbeta
Gustorolling out
Business & household bank accountsrolling out
What guessing costs
$89 is not the expensive option.
The expensive option is running a six-figure operation on gut feel. Three ways that bill arrives, and all three are exactly what FinOpHQ watches.
−$3,700/quarter
The service that only looks profitable
A busy calendar can hide work that loses money. Say pressure washing brings in $18,400 a quarter, but the crew hours, fuel, and supplies cost $3,700 more than that. The schedule feels great; the bank account doesn't. FinOpHQ names the service and the dollar amount, so you can raise the price, change how the job is done, or drop it. (Example numbers, to show the idea.)
April, at list price
The tax bill that doesn't negotiate
Skip the monthly set-aside and the IRS adds penalties and interest to a bill that was never optional. FinOpHQ sets aside the right slice every month and keeps the quarterly payments the IRS expects on schedule, so April is an errand, not an emergency.
60%+ a year
The loan you take in a panic
A thin February you didn't see coming ends at a fast cash advance whose paperwork hides what it really costs: often more than 60% a year. FinOpHQ names your thinnest week months ahead, and translates any offer into its real yearly cost before you sign.
$89/month
One plan, everything included, cancel anytime. If it doesn't make you more than it costs, cancel it. See pricing →
How it works
Your numbers, without the homework.
Not a CRM. Not accounting software. It sits on top of both, says what your numbers mean and what to do next, and runs itself.
1
Connect, read-only
Link QuickBooks Online through Intuit's own sign-in. Your password never touches FinOpHQ, and the connection cannot change your books. Disconnect any time, and the data goes with you.
2
Signing in is the sync
Every time you open FinOpHQ, your dashboard is rebuilt from your latest books. No CSV uploads, no fields to maintain, no "remember to sync." The software does the work. That's the point of it.
3
Read the briefing
Every page opens with one sentence that says what matters, backed by numbers that show their work. When something can't be known from your data yet, it says so. Unknown is never shown as zero.
One place for the questions that matter
A CFO's answers, an owner's language.
Everything below ships in the one plan. No add-ons, no feature gates.
What each service really makes
For every service you sell: what came in, what the labor and materials cost, and what’s left. Every number says where it came from, and nothing prints until the math checks out against your books.
Three months ahead
The next three months of cash, week by week, shaped by your own seasons. It names the thinnest week coming while you can still act. If you're profitable, it says "there is no countdown" instead of inventing one.
One cash truth
Every page shows the same cash number, and every number says where it came from. When your bank and your books disagree, FinOpHQ shows you the disagreement instead of smoothing it over.
The tax money, already set aside
Every month, the slice of income that belongs to taxes gets set aside, matched to how your business files, and the quarterly payments go on a schedule. April lands on money that was waiting for it.
A counselor for your debt
What every loan and cash advance really costs per year, in one honest number. A straight answer on which balance to attack first, and payoff plans that refuse to raid your winter cushion.
What your business is worth
What a buyer would actually pay, figured from your live books the way business brokers figure it: an honest price range, and the specific things you can do to raise it.
Your household, budgeted too
The same plain-English treatment for the money at home: seasonal envelopes, what’s left to spend this week, and a weekly report card. Walled off from the business, included in the one plan.
A winter funded on purpose
FinOpHQ measures what your own off-season historically consumes. Then, during the earning months, it names the pace: how much to set aside each month, and by when, while the money to do it still exists.
The rules it won't break
Built like a CFO, not a casino.
Most dashboards are designed to keep you clicking. FinOpHQ is designed to be trusted, which means it commits to rules most software won't.
Unknown is never zero
If your data can't answer a question yet, the page says exactly that. It never fills the gap with a made-up number.
No made-up numbers
If a cost can't honestly be tied to a service, FinOpHQ won't pretend it can. A profit number only prints when the costs behind it have a real home.
Plain math you can check
Your books are read by accounting rules you can look at, never a robot's guess. The same books always produce the same answer, every time.
It won't flatter you
If the business only looks profitable because you didn't pay yourself, FinOpHQ says that out loud, everywhere the number appears.
Built by an owner who needed it. FinOpHQ comes from inside an Arizona window-cleaning company, built by its owner after years of running a real crew on spreadsheets, missed tax set-asides, and gut feel. It answers the questions he couldn't get answered without hiring a CFO. Read the story →
Simple on purpose
CFO answers. Tool-bag price.
$300 to $500/mo
A bookkeeper: records, but won't interpret
$89/mo
FinOpHQ: one plan, everything, $890/yr if you'd rather
During the invite beta, founding members lock $89/month for as long as they stay subscribed.
Fair questions.
Will it change anything in my books?
No. The QuickBooks connection is read-only by design. FinOpHQ analyzes your books and suggests, but it cannot write, edit, or delete anything. Your accountant stays in charge of your books.
Do I need to be a numbers person?
No. Every page leads with a plain-English sentence about what matters and what to do. The detailed math is always there when you want it (each metric can show its work), but you never need it to act.
What if my bookkeeping is messy?
FinOpHQ tells you, calmly. A built-in auditor flags the entries that would distort your numbers (duplicate-looking charges, money in odd places, uncategorized spending) and shows what each one is costing you before you fix anything.
See your real numbers this week.
FinOpHQ is in invite beta. Send a note about your business and get set up. Connecting QuickBooks takes minutes.
Request beta access