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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 sits where your finances and operations meet. A calculation engine backed by real Python math runs across every part of your business every time your data syncs: cash flow, 13-week runway, customer retention, inventory risk, payroll. By morning, Picasso ai 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 entire stack: POS, accounting, inventory, payroll, banking, and more. It calculates your margins, forecasts your cash position, scores your business health, and lays out everything needing your attention, ranked by what matters most right now. 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, out loud or in text...
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
$220,400
you couldn’t see.

That’s the cash a $3.5M ecommerce brand had trapped in slow-moving inventory. Money they couldn’t touch, sitting there for two and a half years, because nothing ever told them it was stuck. Picasso ai found it in a day.

Every month without answers is money these decisions cost you quietly.

What Picasso ai finds

The money is already
in your data.

The finance team, the operations lead, and the data analyst most owner-operators could never afford, reading every transaction, every night, and telling you in plain English what to do next. Here’s what that looks like in your world.

Retail · Independent storefront
Your Tuesday and Wednesday sales have been sliding for six weeks. By the time you’d have felt it at the register, it’s already a trend.

Picasso ai reads it off your POS before you feel it in the till. Transactions down 18% on Tuesdays and Wednesdays, holding steady on weekends. Average basket flat, so it’s traffic, not spend. The softness is isolated to two days and it’s been building for six weeks. At your blended margin, those two slow days are $6,200 a month. Picasso ai surfaces the pattern. You know your block, so you know why.

P
Penny flags the pattern the morning it crosses the threshold, and lays out the midweek play before it becomes a quarter you can’t explain.
Quietly bleeding
$6,200
a month.

Caught in week two instead of quarter two.

Ecommerce · $3.5M DTC brand
Revenue looks healthy. Your bank balance doesn’t. The gap is sitting on a shelf, and nothing on your dashboard is pointing at it.

Picasso ai runs your cash conversion cycle across Shopify, your 3PL, and the bank feed. Inventory sits 197 days before it sells. Payables clear in 34. That spread is a 220-day cash cycle, and buried in it, $220,400 trapped in SKUs that haven’t moved in two and a half years. Money you already spent, frozen, while you float payroll on a line of credit.

P
Penny names the exact SKUs, the markdown that frees the most cash fastest, and what that does to your runway, before your next PO goes out.
Trapped in inventory
$220,400
freed.

Without selling a single new thing.

Construction & Hardware · $4.2M builder
You’re winning bids and still feel broke at month-end. Your price book is quoting last year’s world.

Picasso ai lines your estimates up against what you’re actually paying. Your price book is two years old. Materials are up 19%, labor up 14%, and you’re still bidding off the old numbers. Across your open and pipeline work, that’s roughly $180,000 of margin you’re quoting away one job at a time. Winning the bid and losing the year.

P
Penny reprices the book against live cost, shows the margin on every live job, and flags the quotes bleeding you before you sign them.
Margin quoted away
$180,000
recovered.

On $4.2M of work you’re already doing.

Restaurants · Neighborhood kitchen
Covers are up and the bank account isn’t. Your busiest nights are quietly your least profitable, and the menu is hiding why.

Picasso ai ties your POS mix to your invoices, plate by plate. Food cost has crept to 38% on the three dishes doing most of your volume, well past the 30% the rest of the menu holds. Protein prices moved and the menu never did. Every extra cover on those plates earns you less, so the busier you get, the thinner the margin. A targeted $1.50 move on those three items pulls roughly $3,800 a month back to the bottom line.

P
Penny isolates the three dishes bleeding margin, models the price move that holds your covers, and tells you where not to touch the menu.
Hiding in your busiest plates
$3,800
a month.

Three price moves, your best-selling dishes, back in the black.

HVAC · Residential service
You’ve got 31 days of cash and a spring shoulder season ahead. The question is whether you make it to summer without touching the credit line.

Picasso ai runs your cash against your open receivables and your own three-year seasonal curve, pulled from your books. Spring is always your thinnest stretch, and this year the aging report makes it worse: $48,000 is sitting past 60 days across your two biggest commercial accounts. On today’s collection pace you run dry in early May, a few weeks before install season refills the tank. It isn’t a revenue problem. It’s timing.

P
Penny shows the runway, names which invoices to collect first, and clears the May gap on receivables you’re already owed, before you ever draw on the credit line.
Runway
31 → 0
crunch avoided.

Collecting what you’re already owed instead of borrowing against it.

Dental & Wellness · Multi-op practice
You mark up every supply 50% and assume you’re running a 50% margin. You’re not — and the gap is quietly funding everyone but you.

Picasso ai ties your supply spend to production and finds the arithmetic trap: a 50% markup is a 33% margin, not 50%. On your consumables run rate, that misread is leaving money on the table every single month, and benchmarked against your chair utilization, you’re pricing 20 points under comparable practices in your market.

P
Penny corrects the markup math, reprices to your real cost, and shows the monthly swing. The kind of fix a practice usually only gets from a consultant it can’t afford.
Hidden in markup math
33% → 50%
real margin.

Twenty points of pricing you didn’t know you’d given away.

Figures are representative of outcomes Picasso ai’s team has delivered for real owner-operators. Your numbers come from your own data.

Up and running
in under ten minutes.

Connect your tools and Picasso ai gets to work. Wake up to your brief, then talk it through with Penny.

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 what needs your attention, ranked by what matters most. Read it, or ask Penny out loud. Talk through any number the way you would with your own analyst. Then run your day with the clarity most owners never have.
Plain English. Always.
Ranked by what matters most
Talk with Penny, voice or text

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 and operational 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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