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Agentic AI

Your platform handles the work.
The agents handle the thinking.

Eight autonomous AI agents run the repetitive daily execution of your revenue function. Every high-stakes decision still stops for the CFO.

18 Platform Modules · Always Included
Tools your finance team operates
Billing, ASC 606 Engine, Tax & Compliance, Contract Intelligence, Payment Intelligence, FP&A, and AI CFO, powerful, deeply India-native software your team uses every day. Included in every plan.
→Your team triggers the actions
→CFO approves every material decision
→Full audit trail on every action
8 AI Agents · included in Growth & Enterprise Plan
Autonomous intelligence that acts for you
The 8 AI agents sit on top of the platform and run autonomously within CFO-defined guardrails. They learn from every outcome, creating a compounding moat that grows every month you stay on Fincelo.
→Agents trigger actions autonomously
→Observe · Approval · Auto modes per action
→Learn and improve with every billing cycle
💰
Collections Agent

Runs your entire AR collections workflow autonomously, dunning emails, WhatsApp sequences, ACH retries, and billing blocks, based on each customer's live payment score. No manual triggers needed.

→Predicts the exact day each customer will pay
→Learns which channel converts best per customer
→Agent outcome learning, improves every cycle
→India: WhatsApp + Email · International: Slack + ACH retry
Observe · Approval · Auto  ·  1 credit/run
🛡️
Compliance Guardian

Monitors your entire compliance posture 24/7 across India and international markets. Never misses a filing deadline. Alerts before issues become penalties.

→India: GSTR-1, TDS, IRN deadlines · UK VAT/MTD · US 1099/W-9
→Monitors customer GSTIN status weekly, alerts before invoicing a suspended GSTIN India 🔒
→MCA portal: director changes, struck-off flags → churn signal India 🔒
→Auto-packs audit evidence folders before your CA requests them
Observe · Approval · Auto  ·  1 credit/run
🧾
Smart Billing Agent

Auto-generates invoices, IRNs, and proforma-to-tax conversions on schedule. Locks FX rates at invoice date. No billing cycle ever slips. Zero manual triggers.

→Signals optimal invoicing timing based on FX rate movements
→Detects revenue leakage, missed billings, undercharged seats
→Proforma → Tax Invoice conversion on PO receipt, in-place
→FX rate locked at invoice date, IAS 21 / ASC 830
Observe · Approval · Auto  ·  1 credit/run
🔐
Period Close Agent

Manages your entire month-end close autonomously, Cut-off testing, materiality analysis (Path A/B/C), trial balance, and hard close lock. For Path C, runs a GSTR-1 filed-return check, if the prior period's return is already filed, raises a mandatory amendment warning before dual approval. Surfaces only decisions that need the CFO.

→Materiality engine: Path A (auto) · Path B (CFO) · Path C (dual approval)
→Predicts close issues 5 days before month-end using anomaly signals
→Fully autonomous close for Path A immaterial items
→Hard close lock, CFO + Controller dual approval to reopen
Observe · Approval · Auto  ·  2 credits/run
📊
Revenue Anomaly Agent

Runs Z-score statistical analysis across your revenue portfolio every cycle. Surfaces anomalies before your auditor does. Predicts churn 60 days out from behavioural signals.

→Rolling Z-score baseline that improves with every cycle
→Duplicate invoice detection · GST mismatches · FX spikes
→Customer concentration risk, flags >20% ARR in one customer
→Predictive churn from behavioural signals, 60-day early warning
Observe · Approval · Auto  ·  2 credits/run
🔄
Renewal Agent

Tracks every contract renewal with 180-day visibility. Scores renewal health 1–100 and fires alerts at 180/120/60/30/14/7 days. Surfaces upsell signals before the renewal conversation.

→Renewal health composite score with ARR probability bands (P10/P50/P90)
→Auto-renewal clause and price escalation detection
→Autonomously drafts renewal proposal within CFO-set price parameters
→Win-back trigger on non-renewal, ARR shown as at-risk
Observe · Approval · Auto  ·  1 credit/run
🧬
Customer Intelligence Agent

Scores every customer across 5 dimensions and generates a composite health score 1–100. Triggers customer success playbooks automatically. Detects churn risk, expansion signals, and competitor interest before they surface in your pipeline.

→ICP engine, identifies which profiles retain and expand best
→CLV scoring, Customer Lifetime Value projected forward
→Decision-maker departure alerts from external signals
→Competitor signal detection, flags customers evaluating alternatives
→GSTIN change monitoring, early churn signal for India customers India 🔒
→NPS survey + reference pipeline automation
→Support Intelligence, ingests tickets from Zendesk, Freshdesk, Jira, Intercom & HubSpot, scoring sentiment and distress in real time
🎧 Powered by Support Intelligence
Every support ticket is analyzed for sentiment and urgency the moment it's created, a spike in hostile or distressed tickets feeds directly into this customer's health score and churn risk, so a support fire shows up here before it becomes a lost renewal.
Payment 20%
Score tier + trend
Usage 25%
Adoption + drops
Relationship 20%
Support + depth
Expansion 15%
Upsell + CLV
Risk 20% → Composite Score 1–100
Churn signals · competitor intel · GSTIN changes · layoff signals · support ticket sentiment
Customer Health, Live Scores
Acme Corp
Usage ↑ · Expansion signal
87
Advocate candidate
TechFlow Inc
Usage drop 23% · Late payments
52
At risk, intervene
DataSync PVT
2 broken promises · Low usage
24
Critical, playbook on
CloudBase
Layoff signal · Monitor
63
Watch, external signal
Observe · Approval · Auto  ·  2 credits/run
🧠
CFO Co-pilot
The Crown Jewel

Starts your day with a personalised 8am briefing. Answers any revenue question in plain language against live data. No SQL, no dashboards. Runs what-if scenarios. Generates P10/P50/P90 ARR probability bands. Assembles board reports on demand.

→Revenue quality score, flags revenue at risk before it moves
→ARR target probability, P10/P50/P90 with confidence bands
→Cash runway & burn intelligence, real treasury position
→Industry benchmarking, anonymised India SaaS cohort comparison
→Board report auto-generation + investor data room updates
→Deal desk automation + voice command → agent action
3 credits/query  ·  Daily 8am briefing included  ·  Observe · Approval · Auto
A
Ask Fincelo ● Live
8:04 AM · Jun 14
You asked
"What is our probability of hitting ₹2Cr ARR by December?"
ARIA, LIVE DATA
Current ARR: ₹1.42Cr. Gap: ₹58L.

P90: ₹2.08Cr, 3 pipeline deals close on time.
P50: ₹1.89Cr, current trajectory.
P10: ₹1.71Cr, TechFlow churns + 1 renewal slips.
Generate board report
Show pipeline deals
Where Fincelo is heading
34 capabilities. 5 levels. A compounding moat.
Every level builds on the last. Level 1 teaches the agents your patterns. Level 2 connects them to the world. Level 3 lets them act. Level 4 lets them predict. Level 5 closes the loop.
01
Smarter
Agents learn your patterns, 8 capabilities
Revenue quality score, payment date prediction, outcome learning, ICP engine, revenue leakage detection, CLV scoring, Z-score rolling baseline, renewal health composite.
"After 6 months, your agents know your customers better than any new tool could."
02
External
Agents see the world, 5 capabilities India moat 🔒
GSTIN + MCA + MSME Samadhaan monitoring, decision-maker departure alerts, regulatory change detection, FX hedging signals, competitor signal detection.
"Chargebee will never monitor the MCA portal. Fincelo does. That's a capability no migration can replicate."
03
Act
Agents act within guardrails, 8 capabilities
Autonomous deal parameters, document drafting, audit evidence packing, voice command → agent action, conflict prevention, customer success playbooks, deal desk automation, NPS + reference pipeline.
"You stop being a bottleneck for routine decisions without losing control of important ones."
04
Predict
Agents predict outcomes, 7 capabilities
ARR probability (P10/P50/P90), predictive period close, cash runway & burn intelligence, pricing intelligence engine, revenue forecast with confidence bands, multi-entity treasury view, predictive churn.
"Walk into the board meeting knowing the probability of hitting the number. Not just hoping."
05
Autonomous
Agents run finance end-to-end, 6 capabilities
Multi-agent debate before high-stakes decisions, India SaaS benchmarking network, fully autonomous period close, self-healing revenue operations, board report auto-generation, investor data room updates.
"Month-end close becomes a notification, not a process."
⚙️ Multi-agent orchestration
All 8 agents coordinate through a central orchestration layer. Conflicts resolved automatically. No customer receives more than the configured communications per week, enforced across all agents simultaneously. Every action logged in the AI Center.
📈 The compounding switching cost
After 12 months on Fincelo, your agents have learned your customers' payment patterns, your team's decision tendencies, and your revenue seasonality. That institutional knowledge is not exportable. Every month, switching costs more and staying delivers more.
See pricing →
✦ Revenue Intelligence

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