Capabilities Document

Hire an AI employee
for your finance team.

Not a dashboard. Not a chatbot. An operator that does the work โ€” creates invoices, chases payments, processes bills, reconciles accounts, closes the books. On schedule, without being asked.

QuickBooks
Xero
Sage
Stripe
HubSpot
Salesforce
NetSuite
Plaid
$24K
Unbilled revenue found
in first 60 seconds
40h
Reclaimed per month
per finance team
4 days
Month-end close
down from 14
What Carapace handles
01
๐Ÿ’ธ
Accounts Receivable
02
๐Ÿ“ฅ
Accounts Payable
03
๐Ÿงพ
Billing & Invoicing
04
๐Ÿฆ
Cash Management
05
๐Ÿ“…
Monthly Close
06
โšก
Custom Workflows
07
๐Ÿ“
Custom Metrics
08
๐Ÿ”—
Connected Systems
09
๐Ÿ“Š
Reports & Charts
10
๐Ÿ”’
Security & Privacy
01 โ€” Accounts Receivable

Know exactly who owes you money.
Make sure they pay.

Upload a contract. Carapace builds the full receivables schedule, creates the invoices, and chases payment โ€” automatically.

01
๐Ÿ“„
Contract intake
Upload any contract โ€” PDF, Word, email attachment. Carapace reads every payment term: who owes you, how much, how often, when it starts, when it ends, what happens on renewal. Handles monthly retainers, milestones, usage-based charges, and one-time fees โ€” all in one contract.
๐Ÿ“‹
Full receivables schedule
Builds the complete schedule automatically โ€” every expected payment, the billing period it covers, the due date, and the amount. Tracks each receivable through its life: scheduled โ†’ invoiced โ†’ paid. Or: overdue โ†’ reminder sent โ†’ escalated โ†’ written off.
๐Ÿ””
Collections on autopilot
Sends collection reminders on your schedule โ€” 7 days overdue, then 14, then 30. You set the timing and the tone. Carapace runs it consistently, without anyone having to remember.

Example: "Your invoice #4521 for $4,200 is now 14 days overdue. A second reminder has been sent to accounts@client.com."

๐Ÿ“ˆ
Cash forecast from contracts
Produces a rolling cash forecast based on your actual contracts โ€” not guesswork. Shows what should come in over the next 30, 60, and 90 days, and flags where expected payments are at risk.
03 โ€” Billing

Handle any pricing model.
Without a billing team.

Whether you charge monthly retainers, per-seat licences, usage-based fees, or all four โ€” Carapace computes the amounts and creates the invoices.

03
Monthly retainers
Fixed monthly amounts, billed automatically on the correct date every cycle.
Per-seat licensing
Tracks seat counts and bills the correct amount each month as counts change.
Usage-based billing
Reads actual consumption data each billing cycle and computes the charge.
Milestone payments
Bills on project deliverables โ€” triggered by deal stage, date, or manual confirmation.

Example: "Implementation fee $50,000 in month one. Training $15,000 in month two. Regular retainer months 3โ€“12." One setup โ€” runs itself for a year.

Also handles
โ†’Free trials with automatic conversion
โ†’Coupons and discounts applied correctly
โ†’Mid-cycle upgrades and downgrades with proration
โ†’Tiered pricing at different volume thresholds
Accounting stays the source of truth
Every billing calculation creates a real invoice in your accounting system โ€” QuickBooks, Xero, or otherwise. Your books are never disconnected from billing.
04 โ€” Cash Management

Your cash position.
Every morning.

โ†’
Pulls balances from every connected account โ€” bank, Stripe, QuickBooks โ€” and reconciles them automatically every day.
โ†’
Flags discrepancies the day they occur. Stripe payment not in QuickBooks? You know about it before close.
โ†’
Failed payments detected and flagged same day โ€” in Slack, email, or the Carapace interface.
โ†’
Cash flow projection based on your actual upcoming receivables and payables โ€” not a model.

"You have $340K expected in the next 30 days. $180K in approved bills scheduled for payment. Net cash position: +$160K."

05 โ€” Monthly Close

Stop dreading
the 1st.

โ†’
Runs your full close checklist in sequence โ€” bank reconciliation, AR verification, AP verification, accruals, trial balance.
โ†’
Each step verified before moving to the next. If a reconciliation fails, close pauses until resolved.
โ†’
Flags specific exceptions โ€” not general errors.
โ†’
Produces the full report set: P&L, balance sheet, AR aging, AP aging, trial balance โ€” ready for your accountant.

"Close is 80% complete. Bank rec and AR done. Accruals review remaining. One exception flagged: $4,200 Stripe charge with no QBO entry."

07 โ€” Custom Metrics

Your numbers.
Calculated your way.

Define any metric the way your business actually calculates it. Carapace uses your definition everywhere โ€” forever.

07
Define it once in plain English
MRR, churn rate, burn rate, runway, gross margin, DSO, LTV, CAC โ€” or anything custom to your business. You describe what the metric means to you. Carapace builds the exact calculation.

"Our MRR is the sum of all active monthly subscriptions, excluding anyone on a free trial or in a grace period, counting annual subscriptions as monthly divided by twelve."

Used everywhere, automatically
Once defined, the metric appears in every report, every chart, every weekly update, and every on-demand answer. Change the definition once and it updates everywhere immediately.
Metrics you can define
Monthly Recurring Revenue MRR
Customer Churn Rate CHURN
Burn Rate & Runway BURN
Gross Margin GM
Days Sales Outstanding DSO
Net Revenue Retention NRR
Anything your business needs CUSTOM
08 โ€” Connected Systems

One operator.
Across everything.

Carapace doesn't just read your systems โ€” it takes action. Creates invoices. Posts journal entries. Updates records. Schedules payments.

08
System What Carapace connects to What it can do
QuickBooks Online / Xero / Sage / NetSuiteFull accounting systemCreate and edit invoices, bills, payments, journal entries, customers, vendors, chart of accounts, and reports
StripePayment and billing platformManage subscriptions, invoices, customers, products, prices, refunds, disputes, payouts, and metered usage
HubSpot / SalesforceCRM and pipelineRead and write contacts, companies, deals, tickets, and pipelines โ€” link financial events to CRM records
PlaidBank accountsPull balances, transactions, and account details across all connected bank accounts in real time
GmailEmailSearch, send, reply, and draft emails โ€” used for collection reminders, bill intake, and reporting
Google DriveFile storageRead, upload, and organise files โ€” used for contract upload and automated report delivery
BaremetricsSubscription analyticsPull MRR, churn, cohort analysis, and subscription metrics for use in reports and dashboards

You don't switch between seven tabs to get a complete picture. You ask one question and Carapace pulls from everywhere, cross-references the data, and gives you the answer.

11 โ€” Security

Your data is yours.
No exceptions.

Every customer gets their own completely isolated environment. Not a shared system with permission controls โ€” a separate private instance.

11
Private instance
Your data, credentials, and conversations are not accessible to any other customer. This is not a permission system โ€” it is a completely separate environment, provisioned exclusively for you.
Approval before action
Carapace shows you a full execution plan before taking any action that changes your financial records. You approve or reject. Nothing consequential runs without your explicit sign-off.
Full audit trail
Every action is logged โ€” what it did, when it did it, and what data it acted on. Your accountant or auditor can review the complete history at any time.
Encryption and access control
Data and credentials are encrypted at rest and in transit. Connections are made via authorised integrations with read and write permissions you control and can revoke at any time.
โœ“SOC 2 Type II aligned
โœ“No shared infrastructure
โœ“No one else has access. Ever.

Try it free.
Sandbox included.

QuickBooks, HubSpot, and Stripe already connected. Describe one workflow. See what it builds. No credit card required.

Start free โ†’
try-carapace.streamos.ai