In development · Waitlist open

Cash forecasts you can sign off on.

Every figure traces back to the bank statement or invoice line it came from.

For accountants and fractional CFOs serving many US small businesses: bank statements pulled into one ledger, transactions matched to invoices and payments, a 13-week cash forecast.¹ A deterministic engine does the math. The AI only explains it. Early access is by waitlist.

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13-WEEK CASH FORECAST

Alder & Finch Bakery · Oct 5, 2026 – Jan 3, 2027

Opening cash, Oct 4

$48,210.00

WkWeek ofReceiptsDisbursementsEnding cash

1Oct 59,420.00(10,000.00)47,630.00

2Oct 129,180.00(3,150.00)53,660.00

3Oct 199,640.00(10,000.00)53,300.00

4Oct 269,050.00(7,250.00)55,100.00

5Nov 29,310.00(10,000.00)54,410.00

6Nov 99,870.00(3,150.00)61,130.00

7Nov 1610,240.00(10,000.00)61,370.00

8Nov 2311,960.00(3,150.00)70,180.00

9Nov 309,480.00(14,100.00)65,560.00

10Dec 710,120.00(3,150.00)72,530.00

LEDGER · Operating ··4417

RefDateDescriptionAmount

JE-040209/28Card settlement1,920.00

JE-040309/29Card settlement1,480.00

JE-040410/01Rent — 118 Oak St(4,100.00)

JE-040510/02Card settlement2,340.00

—10/04Balance per books48,210.00

BANK STATEMENT · Operating ··4417

Sep 5 – Oct 4, 2026

LnDateDescriptionAmount

3409/28CARD SETTLEMENT1,920.00

3509/29CARD SETTLEMENT1,480.00

3610/01ACH DEBIT 118 OAK ST LEASE−4,100.00

3710/02CARD SETTLEMENT2,340.00

3810/04Ln 38 · ENDING BALANCE48,210.00

Illustration — not a product screenshot

Illustration: a 13-week cash forecast, a ledger and a bank statement. A pencil line ties the forecast's opening cash, $48,210.00, to the ledger balance for October 4, then to the statement's ending-balance line for October 4.

Numbers come from the engine, never from the model.

Spreadsheets, rules in the accounting system, general-purpose AI chatbots — you've tried them. The chatbot is the one you can't sign behind: it can state a figure that exists nowhere in the books.

Every number — balances, matches, totals, the forecast itself — is calculated by a deterministic financial engine. Same inputs, same result, every time. It works from the ledger built out of your clients' bank statements, not from a prompt.

The AI agent reads what the engine produced and explains it in plain language: why cash dips in week 9, which entries make up a total. When it quotes a number, the number is the engine's, with a reference back to its source line.

LEDGER · Deposits · Operating ··4417

Alder & Finch Bakery · Week of Sep 21, 2026

RefDateDescriptionAmount

JE-039409/21Card settlement1,840.00

JE-039509/22Card settlement1,375.00

JE-039609/23Card settlement1,190.00

2 more entriesJE-0395, JE-0396 · 2,565.00

JE-039709/23Wholesale — INV-10382,600.00

JE-039809/24Card settlement1,465.00

JE-039909/25Card settlement2,210.00

Total deposits10,680.00footed

Illustration — not a product screenshot

The engine footed the total. The note only cites it.

Pick a figure. Follow it down to the bank line.

Choose a forecast amount. The line redraws through the ledger entry behind it, down to the statement line it came from.

Forecast amount to trace Opening cash, Oct 4 — $48,210.00 Week 1 payroll — $6,850.00 Week 4 rent — $4,100.00

Traced:

Opening cash $48,210.00 → ledger: balance per books, Oct 4 → bank statement line 38: ending balance, Oct 4, 48,210.00

Week 1 disbursements of $10,000.00 include payroll, $6,850.00 → recurring basis: payroll, every other Friday → ledger entry JE-0400: payroll, Sep 25 → bank statement line 32: ACH debit, payroll, Sep 25, 6,850.00

Week 4 disbursements of $7,250.00 include rent, $4,100.00 → recurring basis: rent, monthly → ledger entry JE-0404: rent, 118 Oak St, Oct 1 → bank statement line 36: ACH debit, 118 Oak St lease, Oct 1, 4,100.00

Traces in this illustration:

Opening cash $48,210.00 → ledger: balance per books, Oct 4 → bank statement line 38: ending balance, Oct 4, 48,210.00
Week 1 disbursements of $10,000.00 include payroll, $6,850.00 → recurring basis: payroll, every other Friday → ledger entry JE-0400: payroll, Sep 25 → bank statement line 32: ACH debit, payroll, Sep 25, 6,850.00
Week 4 disbursements of $7,250.00 include rent, $4,100.00 → recurring basis: rent, monthly → ledger entry JE-0404: rent, 118 Oak St, Oct 1 → bank statement line 36: ACH debit, 118 Oak St lease, Oct 1, 4,100.00

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13-WEEK CASH FORECAST

Alder & Finch Bakery · Oct 5, 2026 – Jan 3, 2027

Illustration, not a product screenshot.Fictional business, sample figures.

Opening cash, Oct 448,210.00

WkWeek ofWeekReceiptsEnding cash

1Oct 59,420.00(10,000.00)47,630.00

2Oct 129,180.00(3,150.00)53,660.00

3Oct 199,640.00(10,000.00)53,300.00

4Oct 269,050.00(7,250.00)55,100.00

5Nov 29,310.00(10,000.00)54,410.00

6Nov 99,870.00(3,150.00)61,130.00

7Nov 1610,240.00(10,000.00)61,370.00

8Nov 2311,960.00(3,150.00)70,180.00

9Nov 309,480.00(14,100.00)65,560.00

10Dec 710,120.00(3,150.00)72,530.00

11Dec 1411,350.00(10,000.00)73,880.00

12Dec 2113,780.00(3,150.00)84,510.00

13Dec 287,260.00(14,100.00)77,670.00

Recurring items · basis

Payroll, every other Friday(6,850.00)from JE-0400

Rent, monthly(4,100.00)from JE-0404

LEDGER · Operating ··4417

RefDateDescriptionAmount

JE-039909/25Card settlement2,210.00

JE-040009/25Payroll(6,850.00)

JE-040109/28Supplier — Mill & Dairy(3,150.00)

JE-040209/28Card settlement1,920.00

JE-040309/29Card settlement1,480.00

JE-040410/01Rent — 118 Oak St(4,100.00)

JE-040510/02Card settlement2,340.00

—10/04Balance per books48,210.00

BANK STATEMENT · Operating ··4417

Sep 5 – Oct 4, 2026

LnDateDescriptionAmount

3109/25CARD SETTLEMENT2,210.00

3209/25ACH DEBIT PAYROLL−6,850.00

3309/28ACH DEBIT MILL & DAIRY−3,150.00

3409/28CARD SETTLEMENT1,920.00

3509/29CARD SETTLEMENT1,480.00

3610/01ACH DEBIT 118 OAK ST LEASE−4,100.00

3710/02CARD SETTLEMENT2,340.00

3810/04ENDING BALANCE48,210.00

Illustration: a 13-week cash forecast, a ledger and a bank statement for a fictional bakery. The selected amount is traced from the forecast, through the ledger entry behind it, to its bank statement line; the trace is described in the line below.

All your clients, in one workspace.

Each client company keeps its own statements, ledger and forecast, and all of them sit in one workspace. No separate spreadsheet rebuilt for every client. Priced per company, per month.

CLIENT INDEX · September close

Illustration · fictional clients

doneopen

#ClientStatementsReconciliationForecastStatus

01Alder & Finch Bakery

02Bluestem Landscaping

03Corner Lot Coffee

04Dunmore Dental Studio

05Eastgate Auto Repair

06Fernwood Pilates

07Granite Ridge Roofing

08Harlow Street Books

09Kettle & Pine Catering

10Larkspur Veterinary

11Millbrook Print Shop

12Saltmarsh Heating & Air

For the people who sign off on the numbers.

SCOPE OF WORKIllustration

Two practices · US small businesses

Prepared for

Solo accountants and small firms

Prepared for

Fractional CFOs

Situation

You close the month for 10 to 30 small businesses: statements to pull together, payments to match, and a client asking about next month's cash.

Situation

An owner asks what their cash looks like in a month, and what changes if things go differently. You need an answer you can walk them through.

What changes

Each client's statements become one ledger, matched to invoices and payments. The cash answer is a forecast you can trace, line by line.

What changes

A 13-week forecast per client, with what-if scenarios against the base case. Every figure traces back to a statement or invoice line.

Sign-off

Prepared by

Proofline does the preparation and the matching.

Proofline

Reviewed and signed by

The judgment, and the signature, stay with you.

From bank statement to 13-week forecast.

Every calculation below is done by one deterministic engine, written in Rust. The AI agent explains the results; it doesn't produce them.

Upload statements

Upload each client's bank statements. Their original lines are what every later number points back to.

Bank statements: CSV, OFX, PDF.

QuickBooks, Stripe and Shopify exports, and bank connections: planned, not built yet.

SOURCE FILES · Operating ··4417

Three files, Sep 21 – Oct 4, as received.

CSV · ops-4417_0921-0929.csv · Ln 26–35

Date,Description,Amount

312026-09-25,CARD SETTLEMENT,2210.00

322026-09-25,ACH DEBIT PAYROLL,-6850.00

332026-09-28,ACH DEBIT MILL & DAIRY,-3150.00

342026-09-28,CARD SETTLEMENT,1920.00

352026-09-29,CARD SETTLEMENT,1480.00

OFX · ops-4417_1001.ofx · Ln 36

36<STMTTRN>

<TRNTYPE>DEBIT

<DTPOSTED>20261001

<TRNAMT>-4100.00

<FITID>4417-20261001-036

<NAME>118 OAK ST LEASE

</STMTTRN>

PDF · ops-4417_1002-1004.pdf · Ln 37–38

Date Description Amount

3710/02 CARD SETTLEMENT 2,340.00 CR

3810/04 ENDING BALANCE 48,210.00

Illustration

Build one ledger

Each client's statements, whatever their format, are normalized into a single ledger of transactions: one layout, whichever bank or file they came from.

LEDGER · Operating ··4417

One layout for all three files. Source: file and line.

RefDateDescriptionAmountSource

JE-039409/21Card settlement1,840.00CSV Ln 26

JE-039509/22Card settlement1,375.00CSV Ln 27

JE-039609/23Card settlement1,190.00CSV Ln 28

JE-039709/23Wholesale — INV-10382,600.00CSV Ln 29

JE-039809/24Card settlement1,465.00CSV Ln 30

JE-039909/25Card settlement2,210.00CSV Ln 31

JE-040009/25Payroll(6,850.00)CSV Ln 32

JE-040109/28Supplier — Mill & Dairy(3,150.00)CSV Ln 33

JE-040209/28Card settlement1,920.00CSV Ln 34

JE-040309/29Card settlement1,480.00CSV Ln 35

JE-040410/01Rent — 118 Oak St(4,100.00)OFX Ln 36

JE-040510/02Card settlement2,340.00PDF Ln 37

—10/04Balance per books48,210.00—

FORMAT MAP

FileAs received→Ledger

CSVYYYY-MM-DD · -1234.56→MM/DD · (1,234.56)

OFXYYYYMMDD · -1234.56→MM/DD · (1,234.56)

PDFMM/DD · 1,234.56 CR→MM/DD · 1,234.56

Illustration

Match and reconcile

The engine matches ledger transactions against invoices and payments: the reconciliation you would otherwise do line by line in a spreadsheet.

RECONCILIATION · Operating ··4417

Invoices, bills and payments, Sep 21 – Oct 4.

DocumentAmountLedger entry

Card payout CP-09211,840.00JE-0394 · 09/21

Card payout CP-09221,375.00JE-0395 · 09/22

Card payout CP-09231,190.00JE-0396 · 09/23

INV-1038 · Wholesale2,600.00JE-0397 · 09/23

Card payout CP-09241,465.00JE-0398 · 09/24

Card payout CP-09252,210.00JE-0399 · 09/25

Payroll payment PR-09256,850.00JE-0400 · 09/25

Bill MD-2209 · Mill & Dairy3,150.00JE-0401 · 09/28

Card payout CP-09281,920.00JE-0402 · 09/28

Card payout CP-09291,480.00JE-0403 · 09/29

Bill OAK-10 · October rent4,100.00JE-0404 · 10/01

Card payout CP-10022,340.00JE-0405 · 10/02

Bill MD-2216 · Mill & Dairy1,280.00No payment yet

MATCH SUMMARY · Sep 21 – Oct 4

Receipts matched (9)16,420.00

Disbursements matched (3)14,100.00

Documents matched (12)30,520.00footed

Unmatched bills (1)1,280.00unmatched

Illustration

Forecast 13 weeks

A 13-week cash flow forecast for each client, with what-if scenarios to set against the base case.

13-WEEK CASH FORECAST

Alder & Finch Bakery · Oct 5, 2026 – Jan 3, 2027

WkWeek ofReceiptsDisbursementsEnding cash

1Oct 59,420.00(10,000.00)47,630.00

2Oct 129,180.00(3,150.00)53,660.00

3Oct 199,640.00(10,000.00)53,300.00

4Oct 269,050.00(7,250.00)55,100.00

5Nov 29,310.00(10,000.00)54,410.00

6Nov 99,870.00(3,150.00)61,130.00

7Nov 1610,240.00(10,000.00)61,370.00

8Nov 2311,960.00(3,150.00)70,180.00

9Nov 309,480.00(14,100.00)65,560.00

10Dec 710,120.00(3,150.00)72,530.00

11Dec 1411,350.00(10,000.00)73,880.00

12Dec 2113,780.00(3,150.00)84,510.00

13Dec 287,260.00(14,100.00)77,670.00

Base caseWhat-if: receipts 10% lower

Wk 13 ending cash · base 77,670.00 · what-if 64,604.00

Illustration

Trace to source

Choose a number (a forecast week, a match, a total) and follow it back to the statement or invoice line it came from. The agent explains; the source line settles it.

Trace a figure yourself

TRACE · Rent, week 4

13-WEEK CASH FORECAST

WkWeek ofDisbursements

3Oct 19(10,000.00)

4Oct 26(7,250.00)

Supplier, weekly(3,150.00)from JE-0401

Rent, monthly(4,100.00)from JE-0404

5Nov 2(10,000.00)

Rent, monthly · (4,100.00)

LEDGER · Operating ··4417

RefDateDescriptionAmount

JE-040109/28Supplier — Mill & Dairy(3,150.00)

JE-040209/28Card settlement1,920.00

JE-040309/29Card settlement1,480.00

JE-040410/01Rent — 118 Oak St(4,100.00)

JE-040510/02Card settlement2,340.00

→ JE-0404 · 10/01

BANK STATEMENT · Sep 5 – Oct 4, 2026

LnDateDescriptionAmount

3309/28ACH DEBIT MILL & DAIRY−3,150.00

3409/28CARD SETTLEMENT1,920.00

3509/29CARD SETTLEMENT1,480.00

3610/01ACH DEBIT 118 OAK ST LEASE−4,100.00

3710/02CARD SETTLEMENT2,340.00

→ Ln 36 · 10/01ACH DEBIT 118 OAK ST LEASE−4,100.00

Illustration

Illustration: rent of $4,100.00 in forecast week 4 comes from ledger entry JE-0404 for October 1, which ties to bank statement line 36, an ACH debit of 4,100.00 for the 118 Oak St lease.

Where Proofline stands today.

Proofline is in development, with no public launch yet. Nobody uses it today, so this page has no testimonials, no client logos and no time-saved figures. What you can check is the mechanism: the trace above.

It is a tool for analysis and data preparation. It isn't an accounting system or a tax system, and nothing it produces is advice. It prepares the numbers; reviewing them stays your work.

Read notes 3 and 6: product boundaries and client data

CLIENT DATA · Status

Proofline is a cloud service. Before you upload a client's bank statements, these are the three things to know.

TopicStatus

Where the data is hostedNot published yet.

How it is encryptedNot published yet.

Independent security auditNot published yet.

Priced per client company.

RATE SHEET

The subscription is counted per client company, per month.

Unit: per company / month
Amount: Not published yet.
Early access: Terms not published yet.

Questions worth asking first.

NOTES

Note 1Does the AI calculate any of the numbers?

No. Every number is calculated by a deterministic financial engine, not by the language model: the same inputs give the same result.

The AI agent reads the engine's output and explains it. When it quotes a figure, the figure is the engine's and traces back to its source line.

Note 2What does "traces back to the source" mean in practice?

Any number Proofline shows (a forecast week, a matched payment, a total) can be followed back to the bank statement line or invoice line it came from. You check it the way you'd tick and tie a working paper: open the source line and compare.

Note 3Is this an accounting system or a tax tool?

Neither. Proofline analyzes and prepares data: it builds a ledger from statements, matches transactions to invoices and payments, forecasts cash and shows where each figure comes from. It isn't an accounting system or a tax system, and nothing it produces is advice.

Note 4Will it work with QuickBooks, Stripe or Shopify?

That's planned, not built. Working with QuickBooks, Stripe and Shopify exports, and connecting to banks, are on the plan. None of them works today, and the order and timing haven't been announced.

Note 5What files can I upload?

Bank statements as CSV, OFX or PDF. Exports from QuickBooks, Stripe and Shopify are planned; see note 4.

Note 6Where will my clients' data be stored?

Hosting, encryption and audit details haven't been published yet. Where each one stands is on the sheet in "Where Proofline stands today", and we make no security claims beyond what that sheet says.

Note 7How is pricing structured?

Per client company, per month. The amounts aren't published yet; the rate sheet above shows what is known.

Note 8What do I get by joining the waitlist, and when?

We haven't announced early-access terms or timing yet. Proofline is in development, with no public launch date. Early access will start from the waitlist.

Note 9Does it replace my accountant, or me?

No. Proofline is built for accountants and fractional CFOs, not instead of them. It prepares and matches the data and shows where each number comes from. Reviewing it, judging it and signing off is your work.

Early access waitlist

Proofline isn't launched yet, and early-access terms and timing haven't been announced.