Oak
Every tool you own is a rear-view mirror.
QuickBooks, Xero and their dashboards are excellent at describing the past. But the decisions that make or break an SME — hiring, pricing, spending, borrowing — all live in the future. That's the half of the picture owners have been running without.
of business failures involve cash flow problems the owner saw too late
a month for a part-time CFO — the price of foresight, until now
SMEs worldwide run with no finance team at all — deciding by gut feel
The intelligence behind the answers.
You enter your numbers — no call, no questionnaire, no template. The AI reads them the way a chief financial officer would, then gives you a plain-English account of what they mean for the next ninety days.
From there the AI runs across twenty-plus modules — cash, clients, pricing, cost — whatever is actually in the way. One Advisor connects them, and every recommendation comes with the reasoning shown so you stay in charge of every decision.
Twenty-plus modules, one Advisor at the centre.
Ask it what you'd ask a CFO — "can I afford this hire?", "should I drop prices this quarter?" — and get a direct, quantified answer, not a dashboard. The CFO Advisor works across every module at once and learns your business over time. The six below are a selection from the twenty-plus that ship with Oak.
01Cash Flow Intelligence
Financial RealityProjects your cash weeks ahead, flags every dip before it lands, and names the move that clears it.
02Budget Optimisation
Where The Money GoesReads where your money actually goes against where it should, then rebalances around what grows the business.
03Financial Intelligence
The P&L In EnglishYour P&L translated into plain English — what's genuinely working, what's quietly eroding, and why.
04Cost Reduction Engine
Stopping The LeaksHunts duplicated spend, dead subscriptions and quiet price creep — then ranks savings by effort.
05Strategic Forecasting
The Quarters AheadModels your next two quarters under best, expected and worst cases — so big decisions stop being guesses.
06Margin & Pricing
What The Market Will BearFinds the price your market will actually bear, product by product, and what each move does to profit.
Six shown — Oak ships with twenty-plus, all governed by one CFO Advisor.
Hindsight is a commodity. Foresight is the edge.
Bookkeeping tools
QuickBooks, Xero. Essential plumbing — they record what happened. Interpreting it is entirely on you.
Reporting dashboards
Fathom, Jirav and co. The same history, better charts — built for finance teams. Most SME owners don't have one.
Oak
Reads the same numbers and answers the forward question: the cash dip in week 9, the hire you can afford in week 12, the price rise worth £19k. With the reasoning shown.
Two thirds of declined businesses were fundable. They just couldn't see what lenders saw.
Fewer than half of SME credit applications now succeed — yet analysis of 24,000 declined businesses found around 65% had fixable issues, not unviable businesses. Oak assesses your business through the four lenses underwriters actually use, grades it honestly, and builds the 90-day plan that moves it — before you ever apply.
of SME credit applications succeed
of declines had fixable causes
typical path from grade to fundable
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