300 million businesses. Zero finance teams.
The world runs on owner-managed SMEs — and almost none of them have ever had access to real financial intelligence. The tools were built for accountants and finance teams. Oak is built for the owner.
Foresight used to be a payroll line. Now it's software.
Big companies have always had an unfair advantage that has nothing to do with their products: a finance function. People whose whole job is seeing the cash dip before it lands, testing the big decision before it's made, and catching the margin leak while it's still small. SMEs got bookkeeping software and a yearly conversation with an accountant — a record of the past, delivered after the decisions were already made.
AI changes the economics of that entirely. The reasoning a good CFO applies to a set of numbers — projecting forward, connecting cash to costs to pricing, weighing scenarios — can now be delivered as software, in plain English, at a price an owner-managed business can justify in a single avoided mistake.
That's Oak: the finance function for the businesses that never had one. The category has spent twenty years polishing the rear-view mirror. We're building the windscreen.
“Foresight used to be a payroll line. Now it's software.”
— The Oak thesis
Built in London, the hard way.
Oak is built by Oakmont Kingsley Ltd, a London company founded on a simple conviction: owners deserve the same quality of financial thinking as a boardroom — without needing a boardroom to get it. The platform was built end-to-end by its founder, from a finance background rather than a software one, which shaped everything about it.
Oak is the first product of Oakmont Kingsley Group — a house being built deliberately, one product at a time, around the same idea: serious intelligence, plainly delivered, for the people doing the real work.
We're early, and honest about it. Early customers get a direct line to the person building the product and genuine influence over what gets built next.
Before you ask.
The questions owners ask most about the modules, the AI, and what it costs — answered plainly, the same way Oak answers.
It's the AI at the centre of Oak. Ask it anything you'd ask a finance chief — can I afford this hire, should I drop prices, what's my cash looking like in week nine — and it gives you a direct, quantified answer with the reasoning shown. It works across every module at once and learns your business over time.
Twenty-plus, all included on every plan from day one. Cash flow intelligence, budget optimisation, P&L in plain English, cost reduction, strategic forecasting, margin and pricing, lender readiness — and more. One Advisor connects them so the analysis reflects your whole business, not one report at a time.
Software, entirely. There are no calls, no engagements, no retainers. You enter your numbers, the AI does the reading and the analysis, and you get plain-English answers in seconds. It's built to be the finance function for businesses that never had one — without the payroll line.
No. Oak works from the numbers you already know — revenue, expenses, cash, invoices. Ten minutes to build your profile and you're running. It makes you sharper in the room with your accountant, but it doesn't replace regulated advice on tax and legal matters.
Three plans — Starter, Growth and Enterprise. Every plan includes all twenty-plus modules and the full CFO Advisor. Annual billing saves 30%. Enterprise is shaped case by case for groups and multi-entity operations. See the Pricing page for the full breakdown.
Yes — from the billing portal yourself, no email required, no retention games. Your plan runs to the end of the period and stops. Your analyses are yours; export what you need before you go.
Every analysis you run adds to what the Advisor knows — your seasonality, your key clients, your pressure points. Month three is sharper than day one, because the AI has context it didn't have at the start. Your data stays yours and is never used to train models for other customers.
Oak says so. It states its assumptions, flags where the data is thin, and tells you what would sharpen the answer — rather than dressing a guess up as certainty. Honest about confidence is a design principle, not a disclaimer.