Picasso ai Picassoai

Finally.

You drive.

You have the data.
Picasso ai brings business clarity.

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Picasso ai · The Brief
Good morning, Sara
The Brief
Monday, July 20 · La Costera
Business Health
62
1 critical item to review
Watch
Action needed
Picasso ai’s Insight
Free up cash stuck in inventory. Your cash is tied up 220 days. Free up $22.4k...
Sound familiar?
You didn't build this business to spend your evenings inside a spreadsheet.
But that's where you end up. Looking at the numbers. Revenue is growing. Cash is there.
And one question always remains. What should I do next?
Hire? Raise prices? Order more inventory? Cut spend? You have the data. You just don't have the answer.

So you make a call. And hope it was the right one.

Meet Picasso ai.

Picasso ai is the AI CFO at the heart of your business. A calculation engine backed by real Python math runs across every part of your operations every time your data syncs: cash flow, 13-week runway, customer retention, inventory risk, payroll. By morning, Picasso has synthesized everything into one clear brief. No interpretation required. Just the intelligence you need to run your day.

A full finance team.
Working while you sleep.

Picasso ai reads every transaction across your POS, accounting software, and bank accounts. It calculates your margins, forecasts your cash position, scores your business health, and identifies the one or two things that actually need your attention. Every number is calculated from your real data. Never estimated. Never approximated. By the time your alarm goes off, it’s already done.

◆ Shopify & DTC Restaurants Soon Dental Soon Fitness & Wellness Soon
Picasso ai · The Brief
Good morning, Sara

The Brief

Monday, July 20 · La Costera
1 critical item needs your attention
Business Health
62 Watch
Financial55
Operational64
Customer52
Growth & Risk82
✦ Picasso ai’s Insight
● #1 · Action needed

Free up cash stuck in inventory.

Your cash is tied up for 220 days, mostly because inventory sits 197 days before it sells. Order less at a time, or negotiate longer supplier terms, to free it up.

Real cash you could free: $22.4k
Shopify · Jul MTD
$122k
↓ 1.6% YoY
Cash on hand
$31.2k
3.0 mo coverage
Cash cycle
220 days
Inventory-heavy
EBITDA margin
24.2%
vs 18% target
Ask Penny anything about your business...
Ask →
Good morning, Sara
The Brief
Monday, July 20 · La Costera
Business Health
62Watch
Financial55
Operational64
Customer52
Growth & Risk82
✦ Picasso ai’s Insight
Free up cash stuck in inventory. Tied up 220 days. Frees up $22.4k.
Shopify · Jul MTD
$122k
↓ 1.6% YoY
Cash on hand
$31.2k
3.0 mo
Cash cycle
220 days
Inv-heavy
EBITDA margin
24.2%
vs 18%

Powered by your live stack: Shopify · QuickBooks · ShipHero · Triple Whale · Plaid. No single tool sees all five. Picasso ai does.

The cost of flying blind
$22,400
you couldn’t see.

That’s the cash one brand had trapped in slow inventory. Money they couldn’t touch, because nothing told them it was stuck. Picasso ai found it in their first day.

Every week without answers is a week these decisions cost you quietly.

Up and running
in under ten minutes.

Connect your tools and Picasso ai gets to work. You just read the brief in the morning.

01
Sign in & connect
Connect your accounting software, POS system, and bank in three clicks. Picasso ai auto-detects your industry, your locations, and your business model. You answer zero questions.
Shopify · QuickBooks · Plaid · Toast
Square · Mindbody · Open Dental · Gusto
20+ integrations. Auto-detects everything.
02
One system. Every number.
Every time your data syncs, Picasso ai’s calculation engine runs across your entire business. Cash flow, margins, LTV/CAC, inventory velocity, payroll risk, Health Score. Every calculation is done in Python against your real numbers. Not estimated. Not approximated. When you open your Morning Brief, Picasso ai has already read everything and knows what matters.
Cash flow · Margins · Health Score
Inventory · LTV/CAC · Payroll risk
Zero input required from you
03
Wake up and drive
Your Morning Brief is waiting when you wake up. Plain English. What happened, what it means, and the one or two things that actually need your attention. Read it in two minutes. Ask Penny anything. Run your day with the clarity most owners never have.
Plain English. Always.
Ranked by what matters most
Ask Penny anything, anytime

The VO2 Max
for your business.

Every morning, Picasso ai calculates a single 0-100 score across every dimension of your business. Not a vanity metric. A precise, pillar-by-pillar diagnosis built from your real numbers, calibrated to your industry.

84
Strong
Top 18% this month
80-100Healthy
60-79Good
40-59Watch
20-39Concern
0-19Critical
30%
Financial Health
Cash flow, gross margins, debt coverage, and runway. The foundation. Can you pay your bills, stay profitable, and survive a slow month?
Gross margin · EBITDA · Cash runway · Current ratio
25%
Operational Efficiency
How well does your business actually run? Inventory turns, fulfillment speed, and cost control, calibrated to your specific industry.
Inventory turns · Fulfillment rate · Operating expense ratio
25%
Customer Health
Are your customers worth keeping? Repeat rate, lifetime value versus acquisition cost, and whether your customer base is growing or quietly shrinking.
Repeat rate · LTV/CAC · Customer growth trend
20%
Growth and Risk
Revenue momentum, customer concentration, and channel diversification. Growing fast is only good if you are not dangerously exposed while you do it.
Revenue trend · Customer concentration · Channel mix

Scores adapt automatically to your industry. A dental practice and an apparel store have different definitions of healthy. Picasso ai knows the difference. The more integrations you connect, the sharper the score gets.

The Picasso ai principle
Institutional rigor.
Decoded.

How Picasso ai thinks

01
You drive. Picasso ai navigates.
Every decision stays yours. Picasso ai watches every number in your business and surfaces what matters before it becomes a problem. Quietly. In plain English. Without you ever having to look under the hood.
02
31 agents. One clear sentence.
The analysis running underneath Picasso ai is institutional grade. What you receive is one clear sentence, built from that rigor, that tells you exactly what to do.
03
Written for our sisters.
Picasso is built for intelligent business owners, not finance experts. If you’d need an accounting degree to understand it, Picasso ai says it differently. Every insight leads with the dollar amount and the decision, never the formula.
04
The math is always right.
Every number Picasso ai surfaces is calculated from your actual data, never estimated by AI, never approximated. Python handles all the math. Picasso ai handles the meaning. You never have to wonder if the numbers are real.

Every tool you already use.
Connected.

Picasso ai reads from your existing systems. No migration. No new software to learn. Connect once and go.

Accounting
QuickBooks Online
Accounting & bookkeeping
Live
Xero
Cloud accounting
Soon
Restaurant365
Restaurant accounting
Soon
Point of Sale & Industry Platform
Shopify
E-commerce & DTC
Live
Toast
Restaurant POS
Soon
Epicor Eagle
Retail & wholesale
Soon
Mindbody
Fitness & wellness
Soon
Zenoti
Salon, spa & wellness
Soon
Open Dental
Dental practice
Soon
PatientNow
Med spa & aesthetics
Soon
Vagaro
Salon & spa management
Soon
Banking & Analytics
Plaid
Bank connections
Live
Triple Whale
E-commerce analytics
Live
ShipHero
Warehouse management
Live
Payroll
Gusto
Payroll & benefits
Live
ADP
Enterprise payroll
Soon
Paychex
Payroll services
Soon
Rippling
HR & payroll
Soon

Don't see your platform? More integrations are added every month.
Contact us and we will prioritize yours.

A CFO’s judgment.
Without a CFO’s price.

Owner-operators have always faced the same choice: fly blind, or pay for financial help most can’t justify. Picasso ai is the third option.

Full-time CFO
$180k+
per year
Plus benefits and equity. Out of reach for most owner-operators.
Fractional CFO
$2–5k
per month
A few hours of attention. Not watching your numbers every night.
Picasso ai
$500
per month · works every night
Reads every transaction, every night. Tells you exactly what to do next.

$6,000 a year. A single good call pays for it, with room to spare.

CFO and fractional CFO figures are typical U.S. market ranges, shown for comparison. Picasso ai from $500/mo.

Simple pricing

One clear price.
No surprises.

Start free. Upgrade when you are ready. Cancel anytime.

Growth
$500/month
For single-location businesses
  • Daily Morning Brief from Picasso ai
  • 13-week cash flow forecast
  • Business Health Score
  • P&L analysis & margin tracking
  • Bank, POS & accounting sync
  • Inventory & payroll risk alerts
  • Email support
Get started
Enterprise
Custom
For 20+ locations or enterprise groups
  • Everything in Scale
  • Custom analytics & reporting
  • Dedicated account manager
  • Custom integrations
  • SLA guarantees
  • White-glove onboarding
Contact us

Powered by Picasso ai

Ready?

Finally.
You drive.

Connect your tools in minutes. Tomorrow morning, your first brief is waiting: your cash position, your margins, what changed overnight, and the one thing that needs your attention today. The intelligence your business has always deserved.

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