20+ specialist AI Agents turn a veteran CFO's experience into actionable AI.

A veteran CFO's 26+ years, distilled into 20+ specialist AI Agents. Built on the COSO internal-control framework, McKinsey's Three Horizons of Growth, and DuPont analysis — each Agent's rules are set by a veteran CFO and executed by AI.

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An International Methodology Foundation · Not AI small talk, but disciplined calculation
McKinsey's Three Horizons of Growth, COSO internal control, DuPont analysis, investment-banking valuation and term-sheet review, Big Four QoE...20+ International Methodologies are the judgment basis for every Agent — every conclusion you see has a source.
01 Capital & Funding
Survive · Grow fast · Stay liquid — capital is always the thread
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Capital & Funding · 6 Agents
  • Working Capital Agent: The three levers — accounts receivable, inventory, and accounts payable — to free up tied-up cash
  • Cost Reduction & Efficiency Agent: Break down costs to find waste and calculate the real savings available
  • Debt Financing Agent: Bank credit eligibility, approval odds, and credit-line range
  • Equity Financing Agent: Valuation, investment thesis, investor match, and term-sheet red lines
  • Post-Investment Management Agent: Anticipating shareholder concerns, performance vs. budget, and exit paths
  • Financing Planner Agent: Weigh equity vs. debt, optimize capital structure, and lay out a multi-period financing roadmap to drive the blended cost of capital to its floor
02 Finance & Reporting
Make the books tell the truth; model the future clearly
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Finance & Reporting · 6 Agents
  • Financial Statement Diagnostic Agent: Calculate metrics, spot anomalies, benchmark against the industry
  • Financial Modeling Agent: Driver-based three statements, three-scenario stress testing
  • Budgeting & Forecasting Agent: Comprehensive budgeting, rolling forecasts, and scenario analysis
  • Consolidation Agent: Multi-segment consolidation, consolidation adjustments, and unified reporting basis
  • Accrual-Basis Adjustment Agent: Restore a true view of profit and loss; first make the books tell the truth
  • Account Mapping Agent: Align accounts across reporting versions and reconcile standards
03 Strategy & Growth
Where to go and how to grow — work it out before you move
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Strategy & Growth · 6 Agents
  • Strategy Diagnostic Agent: Which segments to play, the second curve, and growth levers
  • Business Plan Agent: Value logic, market size, and unit economics
  • Pricing & Revenue Growth Agent: Price bands, revenue mix, and profit pools
  • Supply Chain Operations Agent: Operational efficiency, inventory, and delivery diagnostics
  • Value Creation Agent: ROIC-WACC spread and EVA — pin down whether growth is creating or destroying value
  • Profit Pool Agent: Decompose the value chain, map profit-pool distribution and capital intensity to locate where the money is really made
04 Compliance & Risk
Barely noticed day to day; fully exposed in due diligence or a tax audit
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Compliance & Risk · 3 Agents
  • Internal Control & Compliance Agent: COSO check-up, process authorization, and defect remediation
  • Tax Risk Agent: Golden Tax Phase IV rules, scanning book-level risk points
  • Pre-IPO Readiness Agent: Listing compliance checklist and three-year financial-reporting discipline
05 M&A & Restructuring
Advanced moves — count the cost before you commit
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M&A & Restructuring · 2 Agents
  • M&A Valuation Agent: FDD / QoE, accretion-dilution, and consideration structure
  • Turnaround & Restructuring Agent: Stop the bleeding – treat – strengthen; restructuring and divestiture paths
06 Organization & Talent
Work gets done by people; systems beat individuals
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Organization & Talent · 3 Agents
  • Talent Strategy Agent: Nine-box talent review, leadership pipeline, and succession planning
  • Digitalization Diagnostic Agent: Business-finance integration maturity and a system-silo check-up
  • Human-AI Division Agent: Break a role into 15–40 tasks and decide which can be handed whole to AI and which must stay under human control

Six-Stage Deployment Matrix

Once the structured diagnostic places your business in a stage, the corresponding domain's Agent set is deployed automatically; support continues across stages, and key events trigger chained calls to the underlying methodologies.
Capability Domain / StageSurvivalGrowthManagementStrategicEcosystemTransformation
Capital & Funding●●○●○●
Finance & Reporting●●●●●●
Strategy & Growth○●○●○○
Compliance & Risk—○●○●○
M&A & Restructuring———○●●
Organization & Talent○●●○○●
● Primary Deployment　　○ Triggered on Demand　　— Not applicable · See the full stage service list at Full Lifecycle Partnership

Human-in-the-Loop: Every Conclusion Reviewed by a Human CFO

A veteran CFO sets the rules, judgment criteria, and warning thresholds; AI only executes and computes. Before anything is delivered, it is checked against that standard — this is not a chatbot for casual conversation, but a system that puts your business through a professional standard and runs the numbers for you.
Under the hood: an accounting-standards knowledge base (40+ commonly used accounts with practical interpretations); a hybrid deployment architecture (confidential data desensitized locally, general workloads accelerated in the cloud); and standardized workflows (consistent output quality).

Frequently Asked Questions

On 'whether the Agents will act on their own, and whether the human review is real' — the questions business owners should ask before handing judgment to a system.

What are the 20+ specialist AI Agents? Will they act unpredictably?

Each Agent is a 'digital veteran adviser' in one domain (capital, reporting, strategy, compliance, M&A, talent, and more) that only analyzes and issues early-warning alerts; conclusions involving major judgment are all reviewed by a human CFO.

Is 'human CFO oversight' real or just a gimmick?

It is real. Key conclusions are reviewed and signed off by a human CFO, not pure machine output — the signature and the accountability always belong to a person.

Which domains do these Agents cover?

Six capability domains: Capital & Funding, Finance & Reporting, Strategy & Growth, Compliance & Risk, M&A & Restructuring, and Organization & Talent.

I don't know finance — will I understand your recommendations?

Yes. Every conclusion is written in a business owner's language: the conclusion first, then the reasoning, then the actionable step — no piling on of jargon. If anything is uncertain, a human CFO will walk you through it.

How does this compare with hiring a full-time CFO?

A veteran / listed-company-level CFO commands USD 200K+/year, before social insurance and hiring costs — and is hard to find. AICFO uses 20+ specialist AI Agents plus human oversight to make veteran-CFO judgment affordable for SMEs.

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