“Prefer ‘temporary investment’ over ‘headwind’ when describing infra-migration costs. FCF understates the story while migration capex lands; the board has been briefed on migration as a planned investment, not a surprise.”
Meet Marlow · your dedicated AI analyst
Board-ready financials. 90 minutes. And every month, sharper.
Inflect pairs a senior US-based fractional CFO with Marlow — a dedicated AI analyst that remembers your board preferences, prior decisions, metric definitions, and narrative style. Trial balance, billing exports, budgets, board questions in. One reviewed finance package out.
Live product with 6 months of seeded history · $5,500 · month-to-month · first package free
What Marlow actually remembers
Memory that survives the CFO, the board cycle, and the next fundraise
Every correction the CFO makes is captured as an attributable signal. Next month's draft uses the confirmed terminology — without anyone having to re-brief it. This exact signal is in the sample board package you can download below.
Trigger moments
The month Inflect earns its keep
Board meeting Monday
The deck isn't done. An investor is already asking why NRR moved. Marlow assembles the narrative from six months of confirmed board preferences and variance calls in 90 minutes.
For founders & CEOs →Twelve portcos, twelve formats
Re-underwriting is next month. Inflect standardises NRR, burn multiple, and Rule-of-40 definitions across every portco, surfaces the two that need attention, exports an IC-ready memo.
For PE operating partners →One more engagement
You can't add another client without Marlow. She carries the decision ledger across engagements so your judgment compounds, not your hours.
For fractional CFOs →The compounding curve
The value isn't the first package. It's the curve.
Month 1
Marlow drafts from templates and source data.
Trial balance in. Variance commentary, executive summary, and metric cards out. Your CFO reviews, rewrites the narrative, flags the temporary-vs-structural call. Every edit is a signal.
Month 3
Marlow starts matching your voice.
She's seen three package reviews. The first draft uses the terminology your board has trained her to use (“temporary investment” not “headwind”). The correction rate on variance commentary drops by roughly half.
Month 6
Marlow remembers board hot buttons and prior decisions.
The draft flags the unresolved revisit trigger from the last board meeting. She cites the specific prior decision when explaining the ARR-bridge methodology. Your 90 minutes go to judgment, not typing.
Month 12
Marlow is the institutional memory layer for your finance function.
New fractional CFO? She briefs them on the last twelve months of confirmed decisions in a page. New investor? She drafts the diligence data room from the decision ledger. The learning does not leave when your CFO does.
The guardrail
What never goes out without a CFO review mark
Marlow drafts. The CFO signs. The system refuses to let the two steps merge.
- Board narrative. Every executive summary and variance paragraph carries a CFO review mark before export.
- Metric definitions. NRR, ARR bridge, burn multiple, Rule of 40 — the formula and inputs are inspectable; they are never changed silently.
- Cash runway claims. Runway cannot be exported until the balance sheet reconciles and the burn rate is reviewed.
- Client-facing answers. Anything routed to the founder's board or investors requires an explicit approval, not an implicit one.
- Packages with unresolved anomalies. An unexplained 40%+ variance blocks export. We'd rather be late than be wrong.
The proof
See the March package
Anonymised from a real Series B SaaS engagement. Executive summary, variance commentary, metric cards, CFO review marks, and the Marlow memory entries that drove the narrative — all included in the PDF.
The honest cut
Where Inflect is not a fit
- You need a full-time finance leader embedded in the business every day. A fractional engagement will frustrate both sides.
- Your books are not closed or reconciled. Marlow will inherit the noise, and you'll blame the tool. Get the books clean first.
- You want autonomous AI output without CFO review in the loop. We won't ship that, at any price.
- You're too early for recurring board reporting — sub-$1M ARR, no institutional investors. The value hasn't been created yet.
- You need audit-ready accounting memos as the primary deliverable. A specialist firm will serve you better.
$5,500 / month. First package free.
Month-to-month. No annual contract. One senior fractional CFO plus Marlow working against the same backlog. See what's included and what's not.