AI-Powered Financial Intelligence

Know your numbers
before they know you.

Riverine gives small business owners a real-time picture of their financial health -- cash runway, profit trends, and 90-day forecasts -- without hiring a CFO or learning spreadsheet wizardry.

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14 days free, no card required
3 min to your first forecast
2,400+ owners on the waitlist
Trusted by owners at
Redwood Plumbing Maven Studio Brightline Catering Apex Cleaners Hollow Oak Brewery
The Problem

Most small business owners are flying blind financially.

You check the bank balance. You know the big bills are due. But you do not actually know if you are growing, shrinking, or just moving money around. That uncertainty costs sleep -- and good decisions.

📉

Cash crunches with no warning

Invoices are out. Expenses are in. But you cannot see a crunch coming until you are already at $800 with payroll due in four days. Riverine flags the gap 30 days ahead.

📊

Bookkeeping that only tells you the past

Your accountant files taxes. Your bookkeeper keeps the ledger tidy. Neither one tells you what is going to happen next month -- or whether you can afford to hire someone.

🤷

No idea what your business is actually worth

Revenue is up? Maybe profit is too. Or maybe you are just spending faster. Without a real model, growth feels like guessing -- and it usually is.

⏰

Reports that take a day to build

Every time you need a real picture of the numbers -- for a loan, a partner conversation, or a gut check -- you burn hours in spreadsheets you already hate.

💰

A CFO is not in the budget

Fractional CFOs start at $3,000 a month. Full-time ones start at $150,000. The insight you need costs more than most small businesses can justify -- until now.

🔄

Decisions made on feel, not data

Should you take that project? Can you afford a new hire? Is it time to raise prices? You make these calls on instinct because the data is locked in systems you never open.

How It Works

Your CFO-grade dashboard,
ready in minutes.

Riverine connects to the tools you already use, learns your revenue patterns, and delivers plain-English forecasts you can act on today.

01

Connect your accounts

Sync QuickBooks, Stripe, Square, or your bank directly. Riverine reads your transaction history and invoice pipeline in about 60 seconds. No manual import, no CSV headaches. Read-only access -- we can see your data but never touch your money.

02

AI models your business

Riverine identifies your revenue patterns, recurring costs, seasonal cycles, and outstanding receivables. It builds a live model of how money moves through your specific business -- not a generic template built for someone else's industry.

03

Get your 90-day forecast

Every morning you see a clear forecast: projected cash balance, upcoming gaps, and the three most important financial decisions in front of you. No jargon. No pivot tables. Just the numbers and what they mean in plain English.

04

Ask it anything

Type a question in plain English. "Can I afford to hire a part-time admin?" "What happens if I lose my biggest client?" "When will I be cash-flow positive?" Riverine runs the scenario and answers you directly -- no analyst required.

Clean financial dashboard on laptop showing cash flow charts and runway indicator
Core Features

Everything a CFO would tell you -- delivered automatically.

  • Live cash runway indicator -- always know how many days you can operate at your current burn rate without a single new dollar coming in
  • 90-day rolling forecast updated each morning using your most recent transactions and open invoices
  • Scenario modeling -- test "what if" questions before you commit: new hire, rate increase, slow month
  • Receivables tracker -- flag overdue invoices 14 days before they become a cash problem, not after
  • Profit margin by service line -- know exactly which work is worth taking on and which is quietly bleeding you out
  • Plain-English weekly digest emailed every Monday, formatted to share with a bookkeeper, partner, or banker
Integrations

Works with the tools you already use.

Riverine is not another tool to manage. It reads from your existing stack so the data stays where it already lives and you do not have to rebuild your workflow.

  • QuickBooks Online -- sync invoices, expenses, and bank feeds automatically each day
  • Stripe and Square -- pull real-time payment volume and recurring subscription revenue
  • Bank direct connect -- read-only view of checking and savings balances via bank-grade tokenization
  • FreshBooks -- import project billing and time-tracked invoice data
  • CSV import -- for any tool not yet on the native integration list
Business owner reviewing financial reports at a tidy desk with coffee
Real Owners

What the numbers revealed -- and what changed.

★★★★★

"I thought we were doing fine until Riverine showed me we had 18 days of runway left. It was a gut punch -- but I fixed it. Without that alert I would have hit a wall completely blind."

Marcus T.
Marcus T.
Owner, Redwood Plumbing -- Phoenix, AZ
★★★★★

"The scenario tool is what I use most. I asked 'what if I hire one more designer?' and it showed me exactly which month we would feel the squeeze. I made a better call than I would have on instinct alone."

Sarah K.
Sarah K.
Founder, Maven Studio -- Portland, OR
★★★★★

"My accountant told me I was profitable. Riverine showed me I was profitable on two service lines and losing money on a third. I restructured my pricing and added $3,200 a month in margin. That's real money."

Derek F.
Derek F.
Owner, Brightline Catering -- Chicago, IL
Pricing

A fraction of what a CFO would cost.

All plans include the core dashboard, 90-day forecasting, and scenario modeling. Pay month-to-month, cancel any time. No contracts.

Starter
$49
per month

For solo operators and very small teams with one primary bank account and straightforward revenue.

  • 1 bank or payment integration
  • 90-day cash flow forecast
  • Monthly digest email
  • Basic scenario modeling (3 scenarios)
  • Mobile-friendly dashboard
  • 14-day free trial
Start Free Trial
Most Popular
Growth
$119
per month

For businesses with multiple revenue streams, a team on payroll, and decisions that actually matter.

  • Up to 5 integrations
  • Daily forecast updates
  • Unlimited scenario modeling
  • Profit margin by service line
  • Receivables aging alerts
  • Weekly digest with advisor export
  • Plain-English AI Q&A (20 queries/mo)
  • 14-day free trial
Start Free Trial
Pro
$249
per month

For multi-location businesses or owners who want unlimited AI access and a dedicated support line.

  • Unlimited integrations
  • Real-time forecast refresh
  • Unlimited AI Q&A
  • Multi-entity rollup view
  • Custom report builder
  • Priority support (1-hour response)
  • Dedicated onboarding call
  • 14-day free trial
Start Free Trial
FAQ

Questions owners ask before signing up.

Do I need to give Riverine access to move money?
No. Every bank and payment integration is strictly read-only. Riverine can see your transactions but cannot initiate transfers, pay bills, or touch your accounts in any way. We use the same tokenized bank-grade connections that tools like Mint and Personal Capital use -- your login credentials never touch our servers.
My bookkeeping is a mess. Does that matter?
Less than you think. Riverine works directly from your raw bank and payment feeds, not from your categorized ledger. If your QuickBooks chart of accounts is chaotic, the cash flow view will still be accurate -- because we are reading actual transaction data, not your accountant's chart of accounts.
How accurate are the 90-day forecasts?
Within about 8% on average across our beta cohort, which is meaningfully better than manual estimates. Accuracy improves over the first 90 days as the AI learns your specific patterns. We show a confidence range rather than a single number, so you can make decisions with appropriate context about what you actually know versus what is estimated.
What if I have irregular or seasonal revenue?
Riverine is built precisely for this. Seasonal businesses are often the ones that need forecasting most -- a slow January should not trigger a false alarm, and a slow March for an HVAC company should not look like a structural problem. The model identifies your seasonal patterns in the first 60 days and factors them into every forecast going forward.
How is this different from QuickBooks' built-in cash flow view?
QuickBooks shows you historical actuals organized by category. Riverine models what happens next. The AI layer lets you ask questions, run scenarios, and get plain-English summaries -- things QuickBooks reporting has never done well. Most of our users keep QuickBooks for compliance and tax prep, and use Riverine for actual decisions.
Is there a free trial?
Yes. Every plan starts with a 14-day free trial, no credit card required. You will see your real cash flow data and your first 90-day forecast within about 3 minutes of connecting your first account. If it is not useful within the first week, we do not expect you to pay -- and we will tell you so directly.
What size business is this built for?
We have designed Riverine for businesses with $100K to $5M in annual revenue -- small enough that a full-time CFO does not make sense financially, large enough that the numbers genuinely matter. Solo freelancers can use it, but the biggest value shows up when you have payroll, multiple clients, recurring expenses, and decisions that ripple for months.

Stop guessing. Start knowing.

Join over 2,400 business owners on the early access waitlist. The first batch of invites goes out this month.

Get Early Access -- Free for 14 Days
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