FractionalCFO.ai

FractionalCFO.ai – SMB Rate Shock Stress Test + Debt Copilot

What We’re Testing

Know When Rising Rates Will Strangle Your Cash—Before the Bank Does.

Small-to-mid businesses hold $2.1 T in floating-rate debt but rarely model how a single Fed hike can flip cash flow from positive to panic. Traditional CFO services cost $150 k a year—out of reach for most founders. FractionalCFO.ai plugs into QuickBooks/Xero, stress-tests every loan against rate shocks, and serves up refi options and idle-cash sweeps in minutes.

Hypothesis: SMB owners will pay $99 per month for automated rate-shock modeling if it warns them at least three months before coverage ratios go negative.

This Experiment

• Free P&L upload → PDF stress-test.

• Offer $99/mo pilot to 3 SMBs.

• Pass if ≥ 2 subscribe and log in twice in month one.

Stress-Test My Cash-Flow

Features

Rate-Shock Stress-Test

Parses QuickBooks/Xero debt schedules, models 25–200 bp increases, and flags the month your interest coverage dips below 1.2×—so you act early.

Refi-Opportunity Radar

Pulls daily SBA and community-bank rate sheets, ranking refinance offers by net cash-flow lift; generates intro emails with one click.

Treasury-Sweep Optimizer

Detects idle cash, compares sweep CDs, MMAs, and T-bills, then auto-routes surplus to the highest yield while retaining daily liquidity.

Could Your SMB Survive a Sudden Interest-Rate Shock?