Your Virtual CFO. Real financial intelligence for small businesses.
Control your business, anticipate problems and make decisions with professional judgment.
- ✨Automatic diagnosis
- ⚠️Liquidity and margin alerts
- 🧠Natural language recommendations
- 📊Clear financial dashboards
- 🔗Direct connection with Holded (API Key in seconds)
When your numbers make sense, your decisions do too.
No commitment. We'll notify you before launch so you can activate your account with special conditions.
Financial vision
Virtual CFO activated
Projected liquidity 90 days
+27.300 €
Base scenario · No spending shocks
Operating margin
18,4 %
+3.2 pts vs. previous quarter
Virtual CFO · Natural language recommendation
"If you maintain this margin level, you'll have cash flow tension in 3 meses if payroll costs increase by 10%.
I recommend reviewing prices in your lower margin lines and postponing non-critical investments until you consolidate a liquidity cushion of 3 months of fixed expenses ."
Accounting software shows data. Your Virtual CFO tells you what to do with it.
Integrated with HoldedIf you already use Holded for recording, CFOmax.ai is the next level: CFO financial rigor for every decision.
1. The problem
Blind financial decisions in most SMEs.
Lots of effort, little real visibility of cash, margins and risk. Accounting arrives late and doesn't translate into actionable financial judgment.
In Spain there are 2.7 million freelancers and micro-SMEs. Most operate without real financial management.
This causes:
- · No cash forecast
- · Decisions without analysis
- · Accounting arrives late
- · Margins erode
- · Constant financial stress
SMEs make up 99.8% of the business fabric, but most lack internal financial structure to analyze their data (INE – DIRCE).
Various studies show that financial planning is one of the greatest difficulties for SMEs, especially due to lack of time, resources and specialized tools (CEPYME, 2024).
2. The opportunity
Financial management is no longer a privilege. It's your new competitive advantage.
Until now, only companies with a CFO could anticipate cash flow tension, protect margins and decide with professional judgment. Most freelancers and SMEs were left out.
Today that changes.
Thanks to AI, financial management stops being a luxury reserved for medium-sized companies and becomes an accessible lever for any business that already has its accounting in Holded.
With CFOmax.ai, any SME can access:
- · real analysis of cash, margins and risk,
- · forecast and scenarios,
- · continuous control of deviations,
- · concrete financial judgment to decide,
- · and professional decisions without internal structure.
Without hiring a CFO, without endless projects and without unaffordable costs.
3. What is CFOmax.ai
It's not accounting software. It's a CFO that thinks for your business.
Accounting software records data. CFOmax.ai interprets that data and recommends what to do.
Our Virtual CFO:
- · Automatically analyzes your business
- · Detects risks and opportunities
- · Explains what's happening
- · Recommends clear actions
- · Simulates scenarios
- · Gives you judgment, not just numbers
"Software shows data; the Virtual CFO tells you what it means and what to do with it."
CFOmax.ai connects to your accounting, interprets the information and transforms it into concrete decisions: what to adjust, what to prioritize, what to postpone and how to protect your cash.
4. Not another accounting software
CFOmax.ai is the intelligence layer on top of your accounting software.
Your ERP and your accounting firm keep the books up to date. CFOmax.ai connects to that data and converts it into financial judgment, alerts and actionable decisions.
Traditional accounting software
- · Focuses on recording and meeting obligations.
- · Arrives late: data is historical.
- · Little focus on margins, cash and future.
- · Requires expert interpretation.
Comparison: complementary, not substitutes
Accounting software keeps your data clean and up to date. CFOmax.ai builds on that data to tell you what it means and what decisions to make.
What only CFOmax.ai does
It doesn't compete with your accounting software: it amplifies it. On top of its data, CFOmax.ai adds a layer of financial intelligence that was previously only in the head of a good CFO.
5. How it works
Connect your Holded. That's it.
Step 1
Connect Holded
Add your API Key. No complex configurations or endless templates.
Step 2
AI analyzes your business
Liquidity, margins, costs, trends, key deviations.
Step 3
Detects risks and opportunities
Points out what an ERP doesn't see: cash flow tension, margin erosion, risk concentration.
Step 4
Clear recommendations
What's happening, why it's happening and what you should do. Without interpreting 20-page reports.
6. Benefits
Move from uncertainty to real visibility.
Clear and professional vision
Understand your numbers as a CFO would: liquidity, margins, cost structure.
Informed decisions
Make decisions supported by data and scenarios, not intuitions or daily urgencies.
More control, less stress
Fewer surprises, more forecasting. You know what might happen before it occurs.
7. Who it's for
It's not for everyone. It's for those who take their numbers seriously.
- · Freelancers with real activity
- · Micro-SMEs and small businesses
- · Businesses that already use Holded
- · Companies that need financial rigor
If your decisions impact cash every month and you need to know exactly what's happening —and what's going to happen—, CFOmax.ai is designed for you.
8. Founder Users
Get in before anyone else. Keep advantages forever.
If you register before January 27, 2026:
- ✨ ✨ Priority activation
- ✨ ✨ "Founder User" badge
- ✨ ✨ Early access to new features
- ✨ ✨ Permanent advantages
- ✨ ✨ You'll always pay less than those who come after
- ✨ ✨ Your initial rate will be guaranteed for life
Join the Founder Users List
Leave us your email and we'll notify you just before launch so you can activate your account with exclusive Founder User conditions.
Frequently Asked Questions
Frequently Asked Questions
How does the 7-day free trial work? ▼
When you sign up, you'll have full access to all features for 7 days. A credit card is required, but you won't be charged until the trial ends. You can cancel anytime.
Which accounting software can I integrate? ▼
We currently support Holded. We're working to add more integrations soon.
Can I cancel my subscription at any time? ▼
Yes, you can cancel your subscription at any time from your settings panel. There's no commitment or penalties.
Is it safe to connect my accounting software? ▼
Absolutely. We use encrypted connections and never store credentials in plain text. We only request read permissions, we never modify your accounting data.
Do you offer business invoicing? ▼
Yes, we automatically issue invoices every month. You can download them from your billing dashboard.