Pigment

Forecast+ is a cash flow forecasting and reporting tool within the Spotlight Reporting suite, designed for accounting firms and their business clients who use Xero or QuickBooks Online as their accounting system. The tool pulls live accounting data to generate rolling cash flow forecasts, enabling businesses to project their cash position weeks or months ahead based on current accounts receivable, accounts payable, and recurring transaction patterns. The 90-day cash flow forecast gives business owners and their accountants early warning of cash shortfalls, enabling proactive management decisions before liquidity becomes critical. Scenario modeling allows users to test the cash impact of delayed customer payments, accelerated supplier terms, or new revenue growth assumptions. The visual dashboard presents cash flow in clear, accessible charts suitable for sharing with business owners who don't have accounting backgrounds. Spotlight Reporting's broader suite integrates with Xero and QBO to generate management reports, KPI tracking, and consolidated group reporting for multi-entity businesses. The platform is primarily marketed through accounting firms who use it to provide cash flow advisory services to clients, differentiating their practice from pure compliance work. White-labeling allows firms to present reports under their own branding. For accounting practices building advisory service offerings around their compliance client base, Forecast+ provides a structured tool for adding cash flow management services with manageable setup time per client.

Causal is a financial modeling and planning tool that reimagines how financial models are built and communicated, combining a powerful modeling engine with narrative document creation to make financial analysis more accessible and shareable. The platform's model builder uses a formula-based approach similar to spreadsheets but with cleaner dependencies, automated sensitivity analysis, and built-in uncertainty modeling that generates ranges rather than point estimates — a more honest representation of forecast uncertainty. Scenario planning generates multiple outcome paths simultaneously, displaying them as ranges or comparison tables that communicate the distribution of possible outcomes rather than a single projected number. The narrative document layer allows finance teams to combine charts, tables, and explanatory text in a single document that serves as both the model and the presentation — eliminating the duplicate work of building a model and then separately creating slides. Integration with QuickBooks Online, Xero, Stripe, Chargebee, and Salesforce pulls actuals into models automatically. The collaboration features enable sharing models with stakeholders at different access levels — some can view and comment while others can modify assumptions. Causal has been adopted by a range of users from freelancers creating simple projections to startup CFOs building investor models, reflecting its range of complexity across free and paid tiers. For financial analysts and founders who spend significant time making models comprehensible to non-finance audiences, Causal's model-plus-narrative approach reduces communication friction substantially.

Pry is a financial planning platform specifically designed for early-stage startups that are too small for enterprise FP&A tools but have outgrown simple spreadsheet-based runway tracking. The platform provides real-time cash flow forecasting, headcount planning, and scenario modeling with direct integrations to QuickBooks Online, Xero, Gusto, Rippling, and Stripe — the core tools that early-stage startups use. The free tier makes Pry accessible to seed-stage companies that cannot yet justify paid FP&A software, providing basic financial modeling at zero cost. Paid plans unlock more advanced features including custom metrics, deeper integrations, and additional scenario planning capabilities. Runway tracking shows the burn rate, current cash position, and projected months of runway in real time as actuals update from connected accounts. Headcount planning models compensation costs for current employees and planned hires, showing the cash flow impact of hiring decisions. Revenue modeling connects Stripe or billing system data to revenue forecasts, enabling startups to compare planned versus actual growth. The scenario planning feature presents multiple forecast paths — base case, upside, downside — with the ability to share specific scenarios with investors. Pry's interface is intentionally simple — the founders recognized that early-stage startup founders manage finances alongside product and growth, and need a tool they can use in minutes rather than hours. For pre-seed to Series A companies building their first real financial model beyond spreadsheets, Pry's accessible pricing and fast setup make it an easy starting point.