An AI CFO for a small business: tax deadlines, credit readiness, spend

Big companies have a finance team that watches deadlines, cash and costs. A two-person business has the owner, at 11 pm. The Money agent is built to do that watching for you — using your real numbers, never invented ones.

What it watches

• Tax & VAT calendar — for Germany, the Netherlands and the UK today: every deadline, what to set aside for it, and how close you are to the VAT threshold, with each rule’s official source.
• Credit readiness — the checklist a lender uses (debt service coverage, days sales outstanding, cash buffer), the steps that move it, and a bank-ready package when you need one.
• Spend anomalies — a cost that jumped, a duplicate charge, a subscription nobody uses. It learns from what you mark as expected.
• Collections and cash — the reminder ladder and the 13-week forecast described in our collections article.

How it stays trustworthy

Money never moves on its own. The Money agent reads, calculates and prepares; payments, filings and anything sent to a client wait for you. Every figure it shows traces back to an invoice, a transaction or a period in your books — and when data is missing, it says so and asks instead of guessing.