Smart Upload
Import your P&L, Balance Sheet, and Cash Flow from QuickBooks, Excel, or CSV. Our parser automatically maps your chart of accounts — no manual formatting required.
Financial software built for contractors & field-service businesses
Financial intelligence
for the companies that build
Upload your financials. Ask your AI analyst anything. Model real business decisions as events and see the full impact before you commit. All backed by your real data.
Summit Construction Co. — Dashboard
Revenue↑ +12.4%
$2.10M
EBITDA↑ +18.1%
$355K
Cash↑ +8.7%
$620K
Gross Margin↓ -1.2%
32.4%
Monthly Revenue
Actual Projected
Everything you need to manage your company's finances
From raw financial exports to actionable insights — powered by AI.
KPI Dashboard
Track 20+ pre-built KPIs or build your own with custom formulas. Set targets, covenants, and warning thresholds — then monitor trends across actuals and projections.
IQ Analyst
Ask questions in plain English and get instant answers backed by your real data. Build charts, create scenarios, add equipment, and model business events — all through conversation.
Scenario War Room
Model hiring, new revenue streams, customer losses, and more as business events. Run sensitivity analysis, health checks, and compare scenarios side by side.
Divisional P&L
Break down your P&L by division, department, or cost center. Upload class-based reports and see exactly where each part of your business stands.
Cash Reality Report
Bridge the gap between profit and cash. See waterfall charts and timeline views that show exactly where your money flows — from net income to your actual bank balance.
Variance Analysis
Compare actual financial results against your projections. Track forecast accuracy with MAPE metrics and identify exactly where and why forecasts diverge from reality.
Financial Reports
Generate professional, board-ready financial reports with AI-written narratives. Choose from templates or build custom reports — ready to share in one click.
How FinanceIQ works
From raw financial data to confident decisions in three steps.
01
Upload Your Financials
Export your Profit & Loss, Balance Sheet, and Cash Flow from your accounting software. Drop the files into FinanceIQ — our parser automatically maps accounts and periods in seconds.
02
Track KPIs & Set Targets
Monitor 20+ financial metrics including Current Ratio, Debt-to-Equity, Gross Margin, and EBITDA. Set covenant thresholds, goals, and warning levels. See historical trends and projected values.
03
Model & Decide
Build financial scenarios for equipment purchases, debt restructuring, and growth plans. See the full impact on your P&L, Balance Sheet, and Cash Flow. Compare scenarios side-by-side before you commit.
Don't want to set it up yourself?
We'll do it for you — free.
Upload your QuickBooks exports, Excel files, or CSVs and our team will configure your accounts, map your chart of accounts, and get your dashboard ready. No spreadsheet wrangling required.
100% free setup
Under 2 business days
Often same-day
See your financials clearly
View historical actuals alongside projected forecasts in a single view. Identify trends, compare periods, and understand exactly where your business is heading.
- Multi-period P&L, Balance Sheet, and Cash Flow views
- Historical vs projected comparison charts
- Quarterly and yearly roll-ups with one click
- Variance analysis with forecast accuracy tracking
Revenue — Actual vs Projected
Actual Projected
IQ Analyst
Online
What's our revenue trend? Show me a chart.
Revenue has grown 12.4% over the past 6 months, from $1.82M to $2.10M. Growth accelerated in Q4 with the new excavation contracts.
Monthly Revenue
JulAugSepOctNovDec
Create a scenario with 10% growth and hire a project manager at $85K
I'll create a “2026 Growth Plan” scenario with 10% revenue growth and add a new employee event for the project manager.
Create Scenario10% revenue growth
Add EmployeePM @ $85K/yr
AI-Powered
Meet your IQ Analyst
Ask questions about your business in plain English and get answers backed by your real financial data. No more digging through spreadsheets — just ask and your IQ Analyst queries your data, builds visualizations, and takes action on your behalf.
- Ask anything about your financials in plain English
- Auto-generate charts and tables from your real data
- Create scenarios and model business events through chat
- Add equipment purchases and analyze ROI instantly
- Search the web for market data and industry benchmarks
Actions require your approval. When the IQ Analyst creates scenarios, adds equipment, or models events, you review and confirm before anything changes — keeping you in full control.
Current Ratio
1.82x
↑ +0.15✓
Debt-to-Equity
0.45
↓ -0.08✓
Gross Margin
32.4%
↓ -1.2%
EBITDA Margin
18.2%
↑ +2.4%✓
Track what matters
Monitor the KPIs your lenders and stakeholders care about. Set targets, track covenants, and get alerts when metrics cross thresholds.
- 20+ pre-built financial KPIs
- Build custom KPIs with your own formulas and inputs
- Set covenant, goal, and warning targets
- Projected values from your active scenario
- Month-over-month and year-over-year comparisons
Custom KPI Builder
Track metrics unique to your business — labor cost per hour, equipment utilization, revenue per project, or anything else. Choose a formula type, map inputs to your financials or enter values manually, and see results alongside your standard KPIs.
Scenario War Room
Model real decisions, not just numbers
Add business events like hiring, new revenue streams, and customer losses — then see the full financial impact with health checks, sensitivity analysis, and side-by-side comparison.
Business Events
5 activeProject ManagerHire
$85K salary, fully loadedE-Commerce ChannelRevenue
3-month ramp-upABC Construction ContractLoss
Ends March 202610% Rate IncreasePrice
-1.5% volume offsetOffice RenovationExpense
One-time, JuneScenario HealthHealthy
14 mo
Cash Runway
Month 3
Breakeven
+8.2%
Revenue Trend
+$12K
Monthly Burn
1.4x
Leverage
Sensitivity Analysis
Tornado charts show which variables have the biggest impact on your bottom line.
Compare Scenarios
Stack up to 3 scenarios side by side — revenue, cash, net income, and KPIs at a glance.
New HireRevenue StreamCustomer LossPrice ChangeNew FinancingOne-Time Expense
Know where your cash actually goes
Profit doesn't equal cash. FinanceIQ bridges the gap between your P&L and your bank balance so you can see exactly how money flows through your business.
- Waterfall visualization from profit to cash
- Actual and projected cash timeline
- Configurable account classifications
- 8 detail sections: operations, investments, financing, and more
Profit to Cash Bridge
Inflow Outflow Total
Revenue by Division
Excavation Concrete Residential
Break down performance by division
See exactly how each part of your business performs. Upload class-based P&L reports and instantly view revenue, expenses, and margins by division, department, or cost center.
- Upload class-based P&L reports from QuickBooks
- View revenue, expenses, and margins by division
- Two-level hierarchy for parent and child segments
- Per-division projections and variance analysis
Actual vs Projected — P&L
Actual Projected
Measure what matters: Forecast vs Reality
Compare your actual financial results against projected scenarios. Identify where forecasts diverge from reality and improve accuracy over time.
- Account-level P&L variance analysis
- MAPE-based forecast accuracy tracking
- KPI variance: actual vs projected comparisons
- Multi-period trend analysis
Professional reports at the click of a button
Generate board-ready financial reports with AI-written narratives that actually explain your numbers. Choose from pre-built templates or build custom reports from 13 available sections — then export to PDF and share.
- AI-generated narratives that explain trends and key changes
- 4 templates: Executive Summary, Full Package, Lender Report, Custom
- 13 report sections including P&L, BS, Cash Flow, KPIs, and more
- One-click PDF export — ready to share with lenders or your board
Executive Summary
High-level P&L, KPIs, and cash position
Full Financial Package
Complete P&L, BS, CF with narratives
Lender / Board Report
Covenant tracking, projections, and analysis
Custom Report
Pick any sections and build your own
AI-Powered Narratives
Every report section includes AI-written analysis that explains your numbers in plain English — not just data, but insight.
Built for the businesses that build everything else
Financial intelligence designed from the ground up for field-service and contracting companies.
Secure by Design
Encrypted data transmission, row-level security, and company-scoped data isolation.
Built for Your Industry
Purpose-built for contractors, construction, excavation, mining, and trade businesses.
Instant Insights
AI-powered analysis turns your financial data into actionable intelligence in seconds.
Complete Financial View
P&L, Balance Sheet, Cash Flow, KPIs, and projections — everything in one platform.
Customer Case Study
From Gut Feel to Full Visibility
How a multi-generation construction & logging company finally got control of their financials.
Industry
Logging, Construction & Gravel Hauling
Location
Idaho
History
Family-owned, 5 generations — since 1905
120+
Years in Business, Finally with a Dashboard
3
Revenue Streams Now Tracked in One Place
1
Monthly Upload = Full Visibility
Before FinanceIQ, we were making decisions based on an AR aging, an AP aging, and a rough idea of what was in the bank. Now we have a real dashboard, real goals, and a real picture of where our business stands — updated every month without any extra work.
— Controller, Multi-Generation Logging & Construction Company, Idaho
Want to see a full financial teardown of a $17M contractor?
We'll email it to you.
Frequently asked questions
What financial data formats does FinanceIQ support?
FinanceIQ supports QuickBooks exports, Excel spreadsheets (XLSX), and CSV files. Upload your Profit & Loss, Balance Sheet, and Cash Flow statements — our parser automatically maps your chart of accounts and handles any period format.
What industries is FinanceIQ built for?
FinanceIQ is built for blue-collar and field-service businesses — construction companies, excavation contractors, mining operations, trade businesses, and any company in the contracting and building industries that needs better financial visibility.
What is the IQ Analyst?
The IQ Analyst is an AI-powered financial analyst built into FinanceIQ. Ask questions about your business in plain English — like "What's our revenue trend?" or "How does our margin compare to last year?" — and get instant answers backed by your real financial data, complete with auto-generated charts and tables. It can also take action: create scenarios, add equipment purchases, and model business events like hiring or new revenue streams, all through natural conversation. Every action requires your approval before anything changes.
How does the Scenario War Room work?
The Scenario War Room lets you model real business decisions as events — hiring employees, launching new revenue streams, losing customers, changing prices, adding financing, or planning one-time expenses. Each event automatically translates into financial projections. Built-in health checks monitor cash runway, breakeven, revenue trends, burn rate, and leverage. Sensitivity analysis shows which variables matter most, and you can compare up to 3 scenarios side by side across revenue, cash, net income, and KPIs.
What KPIs does FinanceIQ track?
FinanceIQ tracks 20+ financial KPIs including Current Ratio, Debt-to-Equity, Gross Margin, EBITDA Margin, Working Capital, and more. Set covenant thresholds, goals, and warning levels. Compare actual vs projected values across periods.
Is my financial data secure?
Yes. FinanceIQ uses encrypted data transmission (HTTPS/TLS), row-level security policies, and company-scoped data isolation. Your financial data is stored securely with hashed authentication and is never shared with third parties.
Can I view financials by division or department?
Yes. Upload class-based P&L reports from QuickBooks and view revenue, expenses, and margins by division, department, or cost center. Professional and Business plans also include per-division projections and variance analysis.
Can I compare actual results to my projections?
Yes. FinanceIQ includes variance analysis that compares your actual P&L results against projected scenarios, with MAPE-based forecast accuracy tracking across overlapping periods. See exactly where forecasts diverge from reality.
Do you offer help setting up my account?
Yes — and it's completely free. Upload your financial files (QuickBooks, Excel, or CSV) and our team will map your chart of accounts, configure your dashboard, and get everything ready for you. Most setups are completed same-day, and we guarantee turnaround within two business days.
What kind of reports can I generate?
FinanceIQ includes a full report builder with four templates: Executive Summary, Full Financial Package, Lender/Board Report, and Custom. Each report can include up to 13 sections — P&L, Balance Sheet, Cash Flow, KPIs, projections, and more — all with AI-written narratives that explain your numbers in plain English. Export to PDF and share with one click.
Simple, transparent pricing
Plans for individual contractors, growing companies, and financial advisors. Start with a 7-day free trial.
From $55/mo7-day free trial20% annual savings
View Pricing PlansReady to take control of your financials?
Join contractors and construction companies making smarter financial decisions.