FinanceIQ

FinanceIQ turns uploaded contractor financials into a live dashboard, an AI analyst you can question in plain English, event-based scenario modeling, variance bridges and branded PDF reports. It targets construction and trade businesses that need lender-ready numbers and decision modeling without a dedicated finance team.

FinanceIQ is a financial intelligence platform aimed squarely at contractors, construction firms and trade businesses, a segment usually served by generic accounting dashboards that ignore how project work actually behaves. The product takes your financial statements (uploaded from QuickBooks, Excel or CSV, with a free setup service offered) and turns them into a live command center: revenue, EBITDA, cash, gross profit and net income cards, a financial health score built from 25 or more metrics, a P&L summary table and an alerts panel that flags when something drifts. On top of that sits the IQ Analyst, a chat interface that queries your real numbers and returns charts and tables rather than raw spreadsheets. Questions are asked in plain English, and the analyst can also search the web for market data and industry benchmarks, build projections, and add business events conversationally. Every action it proposes needs your approval before it is applied, which keeps a human in the loop on anything that changes the model. The scenario and projection layer is where the tool differentiates itself. Hiring, new revenue lines, customer losses and equipment purchases can be modeled as discrete events, then compared side by side with cash runway, breakeven and leverage health checks. Variance analysis closes the loop: actual results are measured against the projection, with bridge charts showing which P&L line produced the gap and MAPE-based accuracy tracking for the forecast itself. Reports come out as branded PDFs from four templates (Executive, Full Package, Lender, Custom) with AI-written summaries and up to 13 section types. The practical audience is an owner or finance lead at a small to midsize contractor who wants lender-ready reporting and decision modeling without hiring an analyst or wrestling a BI tool. Compared with generic FP&A software, FinanceIQ trades breadth for vertical fit: fewer connectors, but KPI sets, covenant tracking and reporting shaped around construction cash flow. A 7-day trial requires no card.