Get instant spend analysis, cash flow forecasts, and CFO-level insights.
Cash flow visibility and spend trends
Client-sharable charts and reports
Automated monthly flux analysis
Custom agents for any workflow
Ask Concierge how cash is trending, where spend is climbing, or what a category will cost next quarter, and it answers in plain language with a chart you can click into. It works the same on web, email, or text.
Every month, Concierge runs a flux analysis of your top employees, categories, and merchants, then delivers it to your inbox, charts and all. Reply with any questions and it answers right back, no app login required.
Build a custom agent for onboarding, expense investigations, accruals, reconciliation, or close tasks, and it reaches out to employees, collects missing info, fixes coding, and escalates when needed. Describe the job in plain English and the agent runs it.
Most virtual CFO tools cover one slice of finance, but Expensify runs the whole thing: receipts, card spend, corporate card reconciliation, policy enforcement, approvals, bill pay, invoicing, and travel. It even reimburses globally with multi-currency support, in 190 countries and 140+ currencies, all from one workspace.
Expensify’s Bring Your Own Cards (BYOC) program syncs corporate cards from 10,000 banks, so you keep the points you already earn. Or add the Expensify Visa® Commercial Card for built-in controls and up to 2% cash back. No deposit or credit check required.
Expensify connects to QuickBooks, NetSuite, Xero, and Sage Intacct, so coded, approved spend exports to your general ledger without manual cleanup. Plus, corrections from agents or employees carry through automatically.
Every AI action can be reviewed, explained, and corrected, because Concierge records the data and logic behind each decision. Ask "why did you do this?" and it shows you the full audit trail.
When automation breaks, most tools leave you to untangle it, but Expensify's AI expense management is built to self-diagnose and reconfigure. Tell it to handle something differently and it updates its own setup going forward, then offers to fix past mistakes too.
Expensify captures spend, enforces policy, and moves every report through approval, export, and reimbursement, then turns that spend into CFO-level cash flow visibility and forecasts, all in one expense management platform.
Concierge and custom agents ask employees for missing context, fix miscoded expenses, and resolve violations before they hit your close, so your finance team spends less time nagging and more time advising.
Ask Expensify AI anything about your spend and get answers, charts, and forecasts on demand. Get started today.
A virtual CFO is an outsourced or software-driven service that gives a business senior-level financial guidance, like cash flow planning, spend analysis, and reporting, without bringing on a full-time executive. A virtual CFO for small businesses is especially valuable for startups and accounting firms managing multiple clients, where the workload calls for CFO-level insight before a full-time CFO makes sense. For that kind of small business, Expensify delivers the capability inside its platform, so finance teams get the virtual CFO experience on demand.
A virtual CFO oversees the financial operations a business needs to scale: tracking spend, enforcing policy, forecastingcash flow, reconciling accounts, and surfacing insights for decisions. With Expensify, Concierge and custom agents handle the day-to-day work, from chasing missing receipts to running monthly flux analysis, while keeping a full audit trail.
The benefits of a virtual CFO include senior financial insight on demand, faster reporting, tighter spend control, and more time for advisory work instead of manual processing. Because Expensify automates the busywork of finance, like asking for context and correcting mistakes, teams close the books faster and make decisions with clearer data.
Look for software that runs the full finance workflow, gives you conversational access to your data, produces shareable reports, and connects to your accounting system. For small businesses especially, it should explain its own decisions so you can audit them and easily correct anything that's off. Expensify covers each of these, combining spend management, AI assistance, and accounting sync in one workspace.
Virtual CFO services typically include spend tracking, policy enforcement, reporting, cash flow oversight, reconciliation, and financial analysis. Expensify delivers these as software rather than a retainer: Concierge answers finance questions on demand, custom agents run onboarding and close tasks, and monthly flux analysis lands in your inbox automatically, so the work happens continuously instead of once a month.
A virtual CFO keeps cash flow visible by tracking spend in realtime, flagging unapproved purchases, and forecasting what's ahead before it becomes a problem. Expensify enforces policy at the point of purchase and runs month-on-month flux analysis automatically, giving SMEs clear, current numbers to plan around.
A small business needs a virtual CFO once spend outgrows manual tracking but a full-time CFO hire isn't on the table yet, usually around the point of adding headcount, cards, or new entities. Expensify scales into that gap, handling expenses, card reconciliation, approvals, and reporting in one place so finance stays under control as the business grows.
A hired virtual CFO reviews your finances periodically and reports back. Expensify works continuously inside the systems where spend actually happens, capturing transactions, enforcing policy, and answering questions the moment they come up. Whether you work with an outside CFO or run finance in-house, your team gets CFO-level visibility and forecasts on demand, and every AI decision stays reviewable and correctable.
