Your AI financial analyst.

What your team stops doing manually.

Every workflow below is running live for finance teams right now.

Close in 1 day instead of 5.

Full reconciliation across QBO, Stripe, and HubSpot. Flags mismatches, creates adjusting entries, delivers a close package to Slack — on the 1st of every month at 8 AM.

"Reconcile last month across all three systems. Email me and our accountant anything that needs attention."

"Every month, generate a close package: revenue summary, outstanding AR, unreconciled transactions, and adjusting entries needed."

QBO
✓ 342 matched
Stripe
✓ 287 matched
HubSpot
3 issues
Bank
✓ 89 matched
$1.42M revenue $48K flagged 3 adj. entries 2 min runtime
$312K AR outstanding $87K AP due $1.1M cash balance
Delivered to #finance on Slack · Emailed to sarah@acme.com, john@acme.com

$590K in $0 invoices caught in the first scan.

Auto-generate invoices when deals close. Match deal amounts to invoice amounts. Void and re-create broken invoices. Draft, send, and track — without logging into QBO.

"When a deal closes in HubSpot, create the invoice in QuickBooks using the deal amount and contact info."

"Find all invoices created at $0 in the last 90 days. Pull the correct amounts from HubSpot and re-create them as drafts."

Story Protocol$800,000
Deal #4210 · Closed Jun 12 · Net 30
✓ QBO Draft INV-1084 created
CloudSync Ltd$200,000
Deal #4198 · Closed Jun 10 · Net 15
✓ QBO Draft INV-1083 created
NexGen AI$60,000
Deal #4215 · Closed Jun 14 · Net 30
✓ QBO Draft INV-1085 created
DataFlow Inc$0
INV-1021 · Created May 3 · Amount missing
Voided → re-created as INV-1086 at $250,000
DIISR Group$0
INV-1034 · Created May 18 · Amount missing
Voided → re-created as INV-1087 at $85,000
Paulsen Medical$300,000
INV-1060 · Deal says $48K · 6.25× discrepancy
⚠ Flagged for manual review — not touched

Average payment time dropped from 52 days to 19.

Automated chase sequences. Professional-tone emails from your address, on your schedule. Escalation rules for 30+ day overdue. Weekly Slack digest of who owes what.

"Every Monday, scan for overdue invoices. Draft chase emails for anything 7+ days past due. Escalate to me if 30+ days."

"Send a payment reminder 3 days before due date, then follow up at 7, 14, and 30 days if unpaid."

Permissionless Tech$220,5006d overdue
✉ Payment reminder #1 sent Mon 9:01 AM
Avalanche Inc$24,50011d overdue
✉ Payment reminder #2 sent Mon 9:01 AM
Ridgeline Corp$145,00014d overdue
✉ Payment reminder #3 sent Mon 9:02 AM · CC'd accounts@ridgeline.com
NexGen Solutions$60,00034d overdue
⚠ Escalated to you — 30+ day threshold · Slack DM sent
Harbor Industries$38,00042d overdue
⚠ Escalated to you — payment plan recommended
$488K total overdue5 accounts chased2 escalated

$40K saved last quarter from catching duplicate charges alone.

Match POs to vendor invoices automatically. Flag duplicate charges, price increases, and discrepancies before you pay. Schedule payments to optimize cash position.

"Match every vendor invoice against its PO. Flag anything where the amount differs by more than 2% or the vendor isn't in our approved list."

"Before any payment batch runs, show me a summary of what's going out, to whom, and flag anything unusual."

Acme Supply Co
INV-4821$12,400PO-2291Due Jul 15
✓ PO matched · Amount confirmed · Approved for payment
Delta Logistics
INV-4819$8,750PO-2288Due Jul 12
✓ PO matched · Amount confirmed · Approved for payment
Meridian Office
INV-4826$4,200PO-2294Due Jul 20
✓ PO matched · Amount confirmed · Approved for payment
Pacific Parts Ltd
INV-4823$6,200PO-2290Due Jul 14
⚠ Duplicate — INV-4818 for same amount received 3 days ago
Harbor Electric
INV-4825$3,100PO-2293Due Jul 18
⚠ 18% price increase vs. last order ($2,627 → $3,100)
$34,650 total payable3 approved2 flagged$9,300 held

Catches mismatches humans miss — every time.

Match transactions across banks, Stripe, QBO, and your CRM. Flag duplicates, missing entries, and amount mismatches. Build the reconciliation report automatically.

"Reconcile all Stripe payouts against QuickBooks deposits for last month. Flag anything that doesn't match within $1."

"Every Friday, check for duplicate invoices, orphaned payments, and unmatched transactions across all systems."

Stripe → QBO147 of 149 matched
Bank → QBO89 of 89 matched
HubSpot → QBO204 of 211 matched
Stripe payout #py_4F2a$12,450 vs $12,449.01
Missing QBO entryStripe charge $8,200 — no match!
Duplicate INV-1042Billed twice — $15,000!
HubSpot deal #4188Closed but no QBO invoice!
440 transactions436 matched4 exceptions99.1% accuracy

ASC 606 compliant — without the spreadsheet.

Deferred revenue schedules that update automatically. Handle contract modifications, multi-element arrangements, and variable consideration. Audit-ready journal entries.

"For every annual subscription, recognize revenue monthly over the contract term. Create the deferred revenue schedule in QBO."

"When a contract is modified mid-term, recalculate the remaining revenue allocation and adjust the schedule."

ContractTotalRecognizedDeferred
Acme Corp — Annual$120K$40K$80K
TechStart — 2yr SaaS$480K$160K$320K
GlobalFin — Modified$96K$72K$24K
Meridian — Multi-element$240K$60K$180K
DataCore — Variable$156K$104K$52K
$1.09M total contract value$436K recognized$656K deferred

Real answers in seconds, not reports in days.

Ask questions in plain English across all your connected data. Custom metrics defined once, calculated everywhere. Scheduled reports to Slack, email, or in-app.

"What's our actual MRR excluding pilot subscriptions, with annual plans divided by 12?"

"Every Monday at 9 AM, send a cash flow summary to Slack with AR aging, AP due this week, and bank balances."

Monthly Recurring Revenue$284K↑ 12% vs last month
Gross Margin71.4%↑ 2.1pp vs last quarter
Net Revenue Retention108%↑ 3% vs last quarter
Cash Runway14 moStable — burn rate $82K/mo
Days Sales Outstanding19 days↓ from 52 days (6 months ago)
AR Overdue$488K5 accounts · 2 escalated

Every decision logged. Every action traceable.

Full audit trail on every agent action. SOC 2 aligned. Role-based access controls. Independent deployments — your data never touches another customer's.

RBAC — control who sees what, down to the agent level.

Agent decision tracing — inputs, reasoning, and outputs for every action taken.

09:02:14Collection AgentSent payment reminder → Harbor Industries · $38K · 42d overdue · Payment plan attached
09:01:47Collection AgentEscalated NexGen Solutions → Slack DM to @sarah · $60K · 34d overdue · Exceeded 30d threshold
09:01:12Collection AgentSent payment reminder #2 → Avalanche Inc · $24.5K · 11d overdue
09:01:04Collection AgentSent payment reminder #1 → Permissionless Tech · $220.5K · 6d overdue
09:00:58Collection AgentScanned 47 open invoices → 5 overdue identified → 3 emails drafted, 2 escalations triggered
08:00:42Close AgentGenerated close package → Revenue: $1.42M · Flagged: $48K · 3 adj. entries · Delivered to #finance
08:00:12Close AgentReconciled 440 transactions across QBO + Stripe + HubSpot + Bank · 436 matched · 4 exceptions
08:00:01Close AgentStarted monthly reconciliation · Scope: all connected systems · Period: June 2026

If you can describe it, Carapace can run it.

Describe any finance process in plain language or point it at your SOPs. Carapace builds the workflow, connects your tools, schedules it, and runs it. No code.

"When a deal closes in our Enterprise pipeline, create the subscription in Stripe, mirror the invoice in QBO, and send the welcome email."

"Watch for customers who miss two payments. Flag them in HubSpot, pause their subscription, notify me."

1Deal closes in HubSpot · Enterprise pipeline · $120K
2Extract contract terms · Net 30 · Annual billing · Auto-renew
3Create subscription in Stripe · $10K/mo · Start Jul 1
4Create invoice INV-1088 in QBO · $120K · Linked to Stripe sub
5Create deferred revenue schedule · $10K/mo over 12 months
6Send welcome email to contact · Onboarding guide attached
7Notify #sales and #finance on Slack · Deal summary posted
Complete — 7 actions across 4 systems in 18 seconds
Connects to everything your finance team uses
+ any tool with an OpenAPI specification

Report on the past. Act in the present. Plan for the future.

Report

What happened.

Revenue by month
J
F
M
A
M
J
$1.4MReconciled
147Transactions matched
99.2%Accuracy
  • Monthly close packages delivered to Slack
  • Full reconciliation across QBO, Stripe, HubSpot
  • Custom metrics — MRR, gross margin, churn
  • Audit-ready trails on every agent action
  • Compliance reports: SOC 2, RBAC, decision tracing

Plan

What's coming.

1st of month
Close Agent
Full reconciliation + close package
Every Monday
Collection Agent
Scan overdue → chase → escalate
Continuous
Deal-to-Invoice Sync
HubSpot deal closes → QBO invoice
Every Friday
Stripe Cleanup
Flag $0, duplicates, orphans
  • Scheduled agents that run on your timeline
  • Auto-escalation when thresholds are hit
  • Revenue recognition schedules that self-update
  • Early warning triggers for anomalies
  • Agents that learn your business over time

Under the hood.

Carapace isn't a dashboard you configure. It's an AI employee you talk to.

Check Stripe every morning for failed payments and create a follow-up task in HubSpot for each one.
Carapace I'll set this up as a scheduled workflow. Here's the plan:
Every day at 7 AM, scan Stripe for charges with status: failed
For each, find the matching contact in HubSpot by email
Create a task: "Follow up on failed payment — $[amount]"
Assign to deal owner · Due: same day · Priority: high
Post summary to #collections on Slack
✓ Ready to activate. Say "do it" or adjust.
Our MRR should exclude any subscription tagged 'pilot' in Stripe and count annual plans as monthly divided by 12. Include Baremetrics expansion revenue.
Carapace Got it. Here's the metric I've built:
Pull all active subscriptions from Stripe
Exclude any with metadata tag = "pilot"
Annual plans: divide by 12 for monthly value
Add expansion revenue from Baremetrics API
Result: $284,200/mo
✓ This metric will now appear in all reports, charts, and Slack updates. Change it any time.
Here's our monthly close checklist. Follow it exactly, but flag anything that needs a judgment call instead of acting on it.
Carapace I've read the document. Here's what I extracted:
Step 1: Reconcile bank accounts against QBO (auto)
Step 2: Match Stripe payouts to deposits (auto)
Step 3: Review accruals and prepaid expenses (flag for you)
Step 4: Post adjusting journal entries (needs approval)
Step 5: Generate trial balance and close package (auto)
Step 6: Deliver to #finance + email to CFO (auto)
✓ Schedule for 1st of every month at 8 AM?
Permission Model
READ — QBO, Stripe, HubSpot, Bank → Automatic, no approval needed
READ — Scan invoices, reconcile, generate reports → Automatic
WRITE — Create invoice draft in QBO → Needs your approval
WRITE — Send collection email from your address → Needs your approval
WRITE — Void and re-create invoice → Needs your approval
WRITE — Create Stripe subscription → Needs your approval
NEVER — Delete financial records · Access other customer data · Share credentials
Paulsen Medical always pays 10 days late but always pays. Don't escalate them until 45 days.
Carapace Noted. I've updated the collection rules for Paulsen Medical:
Standard escalation threshold: 30 days → Override: 45 days
Payment reminders still sent at 7, 14, 30 days
Escalation to you only at 45+ days
Reason stored: "Reliable payer, habitually late — per Sarah, Jun 2026"
✓ This exception will persist across all future collection runs.
Your Sandbox
✓ QuickBooks Online — 47 sample invoices, 12 vendors, 3 bank accounts
✓ HubSpot — 23 deals, 5 pipelines, 89 contacts
✓ Stripe — 31 subscriptions, 15 one-time charges, 4 failed payments
All connected. Describe a workflow and watch it run — no credit card, no setup, no risk to live data.
Reconcile everything and show me what you find.

Security & Compliance

Built for finance teams that answer to auditors.

Independent Deployments

Every customer runs in a completely separate environment. Your data, credentials, agents, and conversation history are isolated — not behind a permission layer, but in a different deployment entirely. No shared infrastructure. No cross-contamination.

Role-Based Access Controls

Fine-grained permissions at the user, team, and agent level. Control who can view data, run workflows, approve actions, and modify configurations. Every access decision is logged.

SOC 2 Type II Aligned

Built in adherence with SOC 2 Type II standards. Full visibility, integrity, and protection across systems and processes — from data ingestion to agent execution to report delivery.

Agent Decision Tracing

Every decision made by every agent is logged with full context: what data it read, what logic it applied, what action it took, and why. Transparent audit trails for compliance and accountability — your auditor can trace any transaction back to its source.

Encryption & Credentials

Data encrypted at rest and in transit. Integration credentials stored in isolated vaults per deployment. Connections use authorized OAuth flows with read/write permissions you control and can revoke at any time.

Approval Before Action

Agents read data freely but never write to your financial systems without explicit approval. Every invoice, email, journal entry, and payment requires your green light before execution. You set the thresholds — Carapace follows them.

Simple, transparent pricing

Choose the plan that fits your team

Monthly Annual Save 20%
Starter
$99/mo $950/yr

For founders who want clarity on their numbers without the spreadsheet chaos.

Connect your QuickBooks, Stripe, and HubSpot and ask questions in plain English. Get answers instantly — no accountant required.

  • QuickBooks Online (read), Stripe and HubSpot (read + write)
  • 1 AI assistant, 1 automated schedule, 1 saved workflow
  • 1 user
  • Works in-app
  • 50 assistant actions/mo, 5 scheduled runs/mo
Team
$999/mo $9,590/yr

For finance teams managing multiple systems and people.

Give your whole finance team AI assistants connected to every tool you use — accounting, databases, documents, and more. Assistants can hand work off to each other automatically.

  • Everything in Autopilot, plus Google Drive, database access (Postgres, MySQL), and multi-ERP support (QuickBooks, Sage, NetSuite)
  • 10 AI assistants, 10 automated schedules, 10 saved workflows
  • Up to 3 users
  • SMS + all Autopilot channels
  • Custom automation tools, full audit trail
  • 1,000 assistant actions/mo, 200 scheduled runs/mo, 30 min max, 5 simultaneous runs
Enterprise
Custom Custom

For finance orgs with complex needs and compliance requirements.

Full CRM and ERP coverage, unlimited scale, and enterprise-grade security. Bring your own tools — we'll connect them.

  • Everything in Team, plus Salesforce, Dynamics 365, additional CRMs and ERPs on request
  • Unlimited assistants, schedules, and workflows
  • Unlimited users
  • Microsoft Teams, WhatsApp, and all lower-tier channels
  • SSO/SAML, data residency, dedicated support, 99.9% uptime SLA
  • Unlimited actions, 20 simultaneous runs, dedicated compute
MG
Maria Gonzalez Owner, Gonzalez Plumbing & Heating

We were chasing invoices for weeks. Now Carapace sends reminders, follows up, and our average payment time dropped from 52 days to 19.

TB
Tom Bridges CFO, Ridgeline Construction

Month-end close used to take a full week. With Carapace handling reconciliation across our three bank accounts and QuickBooks, we're done in two days.

DK
Diane Kowalski Owner, Kowalski's Auto Group

Three dealership locations, hundreds of parts invoices a month. Carapace matches POs to invoices automatically. My AP person finally has time to breathe.

JW
James Whitfield Managing Partner, Whitfield & Associates CPA

I recommended Carapace to a client drowning in spreadsheets. Within a month they'd eliminated 30 hours of manual data entry per week.

RS
Rachel Simmons Director of Finance, Gulf Coast Medical Supplies

We bill 200+ clinics monthly with different contract terms. Carapace handles the complexity without a single mis-billed invoice in six months.

FD
Frank DeLuca Owner, DeLuca Brothers Landscaping

I'm a landscaper, not an accountant. Carapace just handles it — invoices go out on time, late payers get chased, and I get a summary every Friday.

SP
Susan Park CFO, Heartland Grain & Feed

Seasonal billing nearly broke us every harvest. Carapace manages 400+ farmer accounts with staggered payment terms. Revenue recognition is now automatic.

MT
Mike Thornton Owner, Thornton Electrical Services

Used to lose track of which jobs were billed. Carapace connects to our job management software and invoices automatically when a job closes. No more missed revenue.

CR
Carlos Rivera GM, Rivera Family Restaurant Group

Three restaurants, overwhelming vendor invoices. Carapace catches duplicate charges, flags price increases, and pays on schedule. Saved us $40K last quarter.

PH
Patricia Hensley Office Manager, Bayview Dental Practice

Insurance reimbursements used to sit in limbo for months. Carapace tracks every claim, reconciles payments, and flags underpayments. We recovered $12K in the first month.