What does QL Business Finance show?

From your business transactions it builds a monthly profit and loss statement (revenue by stream, cost of goods, gross margin, operating expenses by category, operating profit, owner draw, net income) you can export to CSV; budget vs actual for every category over the last month, 3, 6 or 12 months or the fiscal year; spend by category and vendor with anomalies and recurring costs; revenue growth, run-rate and customer concentration; break-even revenue, contribution margin, burn multiple and rule of 40; and a month-end cash walk with runway and reserve.

How do I get my business numbers in?

Four ways: connect the business bank through Plaid to sync transactions and balances; paste or upload a bank or card CSV export, parsed deterministically; drop a statement, spreadsheet, P&L or screenshot and QL Intelligence extracts the lines for your review; or tell QL Intelligence in chat — 'we bill about $40k a month and payroll is $21k'. Set budget lines from your last three months of actuals in one click.

Can I track business goals and plan scenarios?

Yes. Set goals for monthly revenue, fiscal-year revenue, operating profit, gross or operating margin, a monthly spend cap for any category, cash on hand or months of reserve; each goal shows current value, progress and whether the current trend reaches it by the date. The scenario planner starts from your last three months of actuals and lets you change revenue growth, fixed-cost growth, one-time spend and new monthly costs such as a hire, comparing ending cash, lowest cash, the month cash runs out and break-even against downside, base and upside cases.

Is it connected to my personal budget?

Same account and same imports: every line is tagged personal or business, so one bank link or CSV can fill both. Personal cash flow, retirement and savings goals live in QL Budget at /budget.

QL Business Finance — Founder P&L, Budget vs Actual & Runway Dashboard

Revenue, costs & operating profit

Monthly revenue and total costs (cost of goods + operating expenses) from your transactions, with operating profit.

Margins

Gross margin (after cost of goods) and operating margin (after every operating expense), by month.

Where the money went

Investment allocation ladder

Insights

Rule-based reads of your plan and actuals — deterministic, no model.

Profit & loss statement

Cash-basis P&L built from the business transaction tape (transfers excluded). Budget is your plan lines × months in the period; variance is green when it helps profit. Owner draw sits below operating profit.

Budget vs actual

Monthly cash flow

Where it goes

Planned monthly spend by category, as a share of income. Bars are the plan; the tick is last month's actual where transactions exist.

Actual vs plan

Spend by category, by month

Cost of goods and operating expenses; owner draw excluded. The six largest categories keep their colour everywhere.

Cost structure

Top vendors

What is changing

Average monthly spend over the last 3 full months against the 3 before, and months where a category ran well above its usual level.

Recurring costs

Same vendor, at least 3 months, amount within 15% — subscriptions, rent, retainers.

Revenue by stream

Monthly revenue split by income category.

Month-over-month growth

Revenue change against the prior month.

Customers

Customer cohorts

Each row is the month a customer first paid you; each cell is the share of that cohort that paid again N months later. Fading rows mean churn; a bright right edge means customers stick.

Customer risksimulated

How much of the business rides on the largest customers, and what profit and runway look like if they leave.

Cash in & out

Money in (revenue) against money out (costs + owner draw), with the net for each month.

Month-end cash

Daily cash calendar

Every day of the last 26 weeks, coloured by net business cash that day (transfers between your own accounts excluded). Payroll Fridays, rent days and the invoice-collection rhythm show up as columns.

13-week cash forecastsimulated

Cash week by week from the plan: revenue collected after a lag, costs paid as they come, 400 simulated quarters — and the week cash would run out.

Quarterly tax set-asidemodel

What each estimated-tax payment should be, what you should have set aside by now, and whether the tax account covers it.

12-month projection

Business accounts

Balances behind cash on hand, runway and the reserve. Edit them in Accounts below, or link the business bank to keep them live.

Goals

Targets tracked against your actuals — monthly revenue, fiscal-year revenue, margins, spend caps, cash and reserve. Status projects the current trend to the goal date.

Add a goal

Name Measure Target By (optional)

Break-even & sensitivitymodel

Cost-volume-profit: where revenue covers every cost, the margin of safety, and a price × volume grid of operating profit.

Scenario planner

Cash under each scenario

Your scenario against the three presets. Below zero means the business needs funding before that month.

Outcomes

Monte Carlo outlook

What-if sandbox

Income statement

Period

Cash-basis P&L from the business book, laid out the way an accountant reads it: revenue by stream, cost of goods, gross profit, operating expenses, operating profit.

Balance sheet

Live balances from the linked business accounts plus open invoices and bills you record. Equity is the balancing figure.

Cash flow statement

Operating, investing (equipment) and financing (loans, owner draws and contributions) for the selected period. Transfers between your own accounts are shown but never counted.

Receivables & payables aging

Open invoices (money owed to you) and open bills (money you owe) by how far past due they are. Mark one paid and the balance sheet, working capital and the collections odds update.

Receivables

Payables

Collections oddssimulated

400 simulated futures for your open invoices: each one pays in some week (older invoices pay slower and are likelier never to pay), so the chart shows how much cash the receivables actually turn into, week by week. The strip is the chance that 90% of the total is in the bank by that week.

Record an invoice or a bill

Accrual entries the bank feed cannot see: an invoice you sent (receivable) or a bill you received (payable). They age from the due date and clear when you mark them paid or the matching payment lands.

Type Customer Amount Issued Due Reference

Trial balance

Every account's debits and credits from the general ledger. The two totals must match — a bookkeeper's first sanity check.

General ledger

Double-entry journal built from each business transaction: the money account on one side, the revenue or expense account on the other; card payments and transfers go to clearing, owner draws to equity.

1099 vendor candidates

Vendors paid $600 or more this calendar year, excluding payroll, taxes, debt service, fees, insurance, utilities, software and rent. A starting list for W-9 collection — confirm entity type before filing; card-network payments are generally exempt.

QL Business Finance 💼

✨ QL Intelligence

🧩 Your modules

Business financials

Revenue, costs & operating profit

Margins

Where the money went

Investment allocation ladder

Insights

Profit & loss statement

Budget vs actual

Monthly cash flow

Where it goes

Actual vs plan

Spend by category, by month

Cost structure

Top vendors

What is changing

Recurring costs

Revenue by stream

Month-over-month growth

Customers

Customer cohorts

Customer risksimulated

Cash in & out

Month-end cash

Daily cash calendar

13-week cash forecastsimulated

Quarterly tax set-asidemodel

12-month projection

Business accounts

Goals

Add a goal

Break-even & sensitivitymodel

Scenario planner

Cash under each scenario

Outcomes

Monte Carlo outlook

What-if sandbox

Income statement

Balance sheet

Cash flow statement

Receivables & payables aging

Receivables

Payables

Collections oddssimulated

Record an invoice or a bill

Trial balance

General ledger

1099 vendor candidates

Revenue

Costs

Reserves & retirement

Accounts

Transactions

Import a file

Review before adding

Paste or upload a CSV

Linked institutions