ai-marketing-skills/finance-ops

AI Finance Ops

Your AI CFO that finds hidden costs in 30 minutes.

Upload your QuickBooks exports. Get a full executive CFO briefing with anomaly detection, burn rate analysis, vendor concentration risk, and actionable recommendations. Or point it at a codebase and get a development cost estimate with organizational overhead modeling and AI ROI analysis.

What's Inside

CFO Briefing Generator

Drop in your QuickBooks exports (P&L, Balance Sheet, General Ledger, Expenses by Vendor, Cash Flow, etc.) and get:

• Executive financial summary with traffic-light status indicators (🟢🟡🔴)
• Profitability analysis — gross margin, net margin, operating income
• People cost breakdown — salaries vs contractors, payroll taxes, benefits
• Tool & subscription audit — find the SaaS bloat
• Customer concentration risk — flag dangerous client dependencies
• Month-over-month comparison — automatic trend detection
• Anomaly alerts — expenses that spike, new vendors with big spend, owner draws
• Scenario modeling — base/bull/bear case projections with monthly burns

Codebase Cost Estimator

Point it at any codebase and get:

• Development hours estimate by code type and complexity
• Market rate research with current-year data
• Organizational overhead modeling — solo founder through enterprise
• Full team cost — PM, design, QA, DevOps, not just engineering
• AI ROI analysis — what did each hour of Claude produce in value?

Quick Start

# 1. Install dependencies
pip install -r requirements.txt

# 2. Copy env template
cp .env.example .env

# 3. Drop QuickBooks exports into a folder
mkdir -p data/uploads
# Copy your CSV/XLSX files there

# 4. Run CFO analysis
python scripts/cfo-analyzer.py --input data/uploads/

# 5. Or estimate a codebase
# Use the SKILL.md workflow with Claude Code

Supported QuickBooks Reports

Any subset works — P&L alone is enough to start:

Report	What It Adds
P&L Summary	Revenue, COGS, expenses, net income (core)
P&L by Customer	Client concentration analysis
P&L Detail	Transaction-level drill-down
Balance Sheet	Assets, liabilities, equity position
Cash Flow Statement	Operating/investing/financing flows
General Ledger	Full account transaction history
Expenses by Vendor	Vendor-level spend breakdown
Transaction List by Vendor	Detailed vendor transactions
Bill Payments	AP payment history
Account List	Chart of accounts

How It Works

The CFO analyzer:

1. Auto-detects report types by scanning file headers
2. Parses QuickBooks CSV/XLSX formats (handles dollar signs, commas, negative formats)
3. Computes KPIs against benchmarks for your business size
4. Compares to prior periods if history exists
5. Generates a formatted executive briefing with status indicators

The scenario modeler:

1. Reads the latest financial analysis
2. Models base case (status quo), bull case (growth targets hit), and bear case (lose top clients)
3. Projects 12 months forward with monthly P&L
4. Identifies the fastest cost levers to pull

Benchmark Thresholds

Built-in benchmarks for services businesses:

Metric	🟢 Healthy	🟡 Watch	🔴 Action Needed
Gross Margin	>60%	45-60%	<45%
Net Margin	>10%	0-10%	Negative
People Costs (% rev)	<65%	65-75%	>75%
Tool/Sub Costs (% rev)	<8%	8-12%	>12%
Client Concentration	No client >15%	One at 15-25%	One >25%
Cash Runway	>3 months	1-3 months	<1 month

All thresholds are configurable in references/metrics-guide.md.

File Structure

finance-ops/
├── README.md              # This file
├── SKILL.md               # Claude Code skill definition
├── requirements.txt       # Python dependencies
├── .env.example           # Environment template
├── scripts/
│   ├── cfo-analyzer.py    # Main CFO briefing generator
│   └── scenario-modeler.py # Base/bull/bear projections
└── references/
    ├── metrics-guide.md    # KPI thresholds and benchmarks
    ├── quickbooks-formats.md # QB export format specs
    ├── rates.md            # Developer productivity rates
    ├── org-overhead.md     # Organizational overhead factors
    ├── team-cost.md        # Full team cost multipliers
    ├── claude-roi.md       # AI ROI calculation method
    └── output-template.md  # Cost estimate output format

Customization

Adjust for your business size: Edit references/metrics-guide.md to change the revenue range and benchmark thresholds. A $500K startup has different healthy ranges than a $10M agency.

Add report types: The file detection in cfo-analyzer.py uses header scanning. Add new patterns to detect_file_type() for custom QB report layouts.

Change categories: Expense categorization keywords are in compute_kpis(). Adjust the keyword lists to match your chart of accounts.

License

MIT

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