Built for Australian SMEs

The most powerful financial reporting and insights for your business

CashRep connects to Xero and automatically generates your board-ready financial report — with an always-on AI CFO that surfaces insights, trends, and the answers you need to make your most impactful decisions.

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Replaces $5K–$15K/month CFO reportsConnects to Xero automaticallyBoard-ready report in 60 seconds
March 2026 — Board Report
Auto-generated from Xero · Apex Building Co.
✓ PDF ready
Revenue
$847K
+6% vs budget
Net profit
$142K
17% margin
Cash in bank
$318K
ATO due: $187K
Gross margin
64%
+4pp vs avg
AI CFO commentary
Apex Building Co delivered $847K revenue in March — 6% ahead of budget — with gross margin expanding to 64%, the strongest in five months. Cash position is healthy at $318K, comfortably covering the $187K ATO obligation due in 22 days. The key risk remains project pipeline concentration with two contracts representing 61% of revenue...
Commercial
$517K
Residential
$237K
Maintenance
$93K
84
Xero Health Score
Good
2 transactions in Miscellaneous — recode
Bank reconciliation up to date
GST coding clean across all accounts
$0 setup fee60 seconds to your first reportReplaces $5K–$15K/month agency reportsConnects to Xero automaticallyNo lock-in contracts
Encrypted in transit and at rest
Never sold or shared
Enterprise-grade infrastructure
Delete your data anytime
The problem

Slow or no financial reporting
is letting you down

Most SME owners are flying blind — or paying too much for reports that arrive late and can't answer questions.

01
Reports arrive days late
Your CFO agency publishes last month's report 10 days into the new month. The decisions have already been made.
✓ CashRep generates your report in 60 seconds, automatically.
02
$5K–$15K per month
For a PDF. That can't answer follow-up questions. That doesn't know your Klaviyo performance. That forgets your history.
✓ CashRep costs $199/month. Everything included.
03
No strategic advice
Descriptive reports tell you what happened. They don't explain why, what it means, or what to do about it.
✓ CashRep's AI CFO analyses trends and gives strategic insight automatically.
04
Can't ask questions
You read the report, have a question, and have to wait until next month or pay more. No one is there to answer.
✓ Ask your AI CFO anything. It responds instantly with full financial context.
How it works

Connected to Xero.
Ready in 60 seconds.

CashRep connects directly to your Xero account and does the rest automatically. No manual exports. No waiting.

1
Connect Xero
Link your Xero account once. CashRep pulls your P&L and Balance Sheet data automatically — no file exports needed.
2
Report generated instantly
Your full board-ready report is ready in under 60 seconds. P&L, cash flow, ATO obligations, and marketing performance — all in one place.
3
AI CFO analyses and advises
CashRep's AI CFO generates strategic commentary, trend analysis, and budget vs actual comparisons automatically — every single month.
The AI CFO

Not just a report.
A strategic adviser.

CashRep's AI CFO doesn't describe what happened — it analyses trends, identifies risks, and gives you strategic advice tailored specifically to your business.

Knows your business modelTracks your budget targetsReferences 6 months of historyUnderstands your key risksIncludes Klaviyo performance
AI trend insight — generated automatically
“The most significant trend this quarter is the divergence between revenue contraction and margin expansion — revenue has declined 14% over four months while gross margin has improved from 52% to 64%, indicating the business is becoming more operationally efficient even as top-line pressure builds. This pattern suggests the revenue decline is volume-driven rather than pricing, and the cost discipline demonstrated positions the business well for recovery when project pipeline improves. Strategically, the priority should be protecting the commercial contract base while selectively increasing business development activity — the margin runway exists to absorb it.”
Generated automatically · Based on 6 months of data · No prompting required · Tailored to your business context
Ask your CFO anything
"Can we afford to pay our ATO obligations this month?"
"What's driving the margin improvement this quarter?"
"If revenue dropped 20% next month, what happens to cash?"
Profit & Loss
Cash flow
ATO liability
March 2026 · Apex Building Co.
Revenue
$847K
+6% vs budget · +12% vs Jan
Gross profit
$542K
64% margin
Operating expenses
$400K
47% of revenue
Net profit
$142K
17% margin · +$38K vs avg
ATO Liability
GST payable (net)
Revenue ÷ 11 minus purchase credits
$53K
PAYG withholdings
From Xero balance sheet
$38K
PAYG instalment (PAYGI)
Net profit × 25% instalment rate
$36K
ATO integrated account
Historical ATO balance
$60K
Total ATO obligations
$187K
⚠ Cash after ATO obligations
$131K remaining
Super Q3 due 28 April · Est. $48K · 28 days
What's included

Everything your CFO agency provides.
Plus everything they don't.

CashRep automates your monthly financial reporting and adds a layer of AI intelligence no agency can match.

Board-ready monthly report
P&L, cash flow, marketing performance, and ATO liability — formatted and ready to share. Exported as a PDF in one click.
Auto-generated
AI CFO commentary & trend analysis
Strategic commentary generated automatically every month. Trend analysis across 6 months with AI interpretation of what it means for your future.
Powered by Claude AI
Xero Health Score
A 0–100 score for your Xero data quality — like Whoop for your finances. Specific action items to improve accuracy every month.
Runs on every upload
Budget vs actual tracking
Upload your budget once. CashRep tracks actual vs budget on every metric automatically — revenue streams, expenses, margins — forever.
Set once, tracks forever
ATO liability tracking
GST, PAYG withholdings, PAYGI, and superannuation — with quarterly due dates, days remaining, and cash vs obligations position.
Australian-native
Ask your CFO
Chat with an AI CFO that has full context of your financials, history, Klaviyo, and business goals. Ask anything, get specific answers instantly.
Unlimited questions
Klaviyo integration
Attributed revenue, flow performance, campaign tracking — pulled from Klaviyo and included in your monthly report automatically.
Real-time sync
Weekly CFO emails
Monday cash position, Wednesday KPI snapshot, Friday weekend readiness. Three short emails that keep you on top of your numbers every week.
Mon · Wed · Fri
YTD tracking
Year-to-date revenue vs budget, net profit, and average margins across your full financial year — always current, always accurate.
Full financial year
What our customers say

Trusted by Australian SMEs

Real feedback from business owners who use CashRep every month.

“CashRep completely changed how we understand our numbers. Before, we were guessing based on Shopify and Xero snapshots — now we get clear reports that actually tell us what's going on in the business. The biggest win has been visibility on real profit vs cash flow. It's like having a financial analyst 24/7.”

CJ
Cameron Jones
Business owner · QLD

“We're seeing insights that actually matter — margins, costs, trends, all broken down automatically. It's helped us move faster and make smarter decisions.”

JM
Jack Miles
Business owner · VIC
More testimonials coming soon
CashRep is currently in beta with select Australian businesses.
The compounding effect

The longer you use CashRep,
the more powerful it becomes

Context and data compound. Every month CashRep has more history to draw from — making the AI CFO more specific, more strategic, and more useful.

Month 1
Full report from day one
Board-ready P&L, cash flow, ATO liability, AI commentary, and Xero Health Score from your very first upload.
Month 3
Trends emerge
CashRep identifies revenue patterns, margin movements, and expense trends — with AI interpretation of what they mean strategically.
Month 6
Strategic intelligence
The AI CFO references 6 months of history in every answer. Seasonal patterns identified. Forecasts become meaningful.
Month 12
Full financial picture
A complete financial year of data. YTD vs budget is precise. The AI CFO knows your business better than most advisers ever will.
Setup & Clean

Start with clean data.
Get accurate reports.

CashRep is only as accurate as your Xero data. Our Setup & Clean service gets your chart of accounts right from day one — so every report is reliable from your very first upload.

1
Xero audit
We review your chart of accounts, transaction coding, and reconciliation status — and identify every issue affecting report accuracy.
2
Clean and recode
We fix miscoded transactions, consolidate vague categories, and ensure your accounts map correctly to CashRep's report structure.
3
Coding playbook
You receive a custom coding guide for your business — so your bookkeeper knows exactly how to code every transaction going forward.
One-time fee
$750
One-time · Includes full Xero audit and clean
✓Full Xero chart of accounts review
✓Transaction recoding and cleanup
✓Custom coding playbook for your business
✓CashRep account mapping configuration
✓First report review and accuracy check
Book Setup & Clean →
Most clients see a Health Score improvement of 15–25 points after Setup & Clean
Weekly CFO emails

Stay on top of your numbers
every week.

Three short emails per week — each one takes 30 seconds to read and keeps you closer to your finances than any monthly report could.

Pricing

Simple, transparent pricing.
No surprises.

Two plans. Everything included. Cancel anytime.

Starter
For SMEs wanting powerful automated reporting without the agency price tag.
$199
per month · billed monthly
  • ✓Monthly board report + PDF export
  • ✓AI CFO commentary + trend analysis
  • ✓Ask your CFO — unlimited questions
  • ✓Xero Health Score
  • ✓Budget vs actual tracking
  • ✓ATO liability + super tracking
  • ✓Weekly CFO emails
  • ✓Klaviyo integration
  • ✓YTD tracking
Get started →
Most popular
Pro
For growing businesses that need deeper insights, historical context, and priority support.
$499
per month · billed monthly
  • ✓Everything in Starter
  • ✓Up to 3 Xero entities
  • ✓24 months of historical data
  • ✓Cash flow forecasting
  • ✓Custom branded PDF reports
  • ✓Advanced AI CFO — interrogative mode
  • ✓Priority support
  • ✓Quarterly strategy session
Get started →
Setup & Clean available as a one-time add-on · $750 · Includes full Xero audit + custom coding playbook
FAQ

Questions worth
answering upfront

Everything you need to know before getting started. Still have questions? Email us at hello@cashrep.com.au

Does CashRep work with my Xero account?
Yes — CashRep connects directly to Xero and works with any Australian Xero account. All you need is a P&L and Balance Sheet export. No special setup or Xero plan required.
What if my Xero data is messy?
CashRep includes a Xero Health Score that identifies exactly what's wrong with your data — miscoded transactions, vague categories, reconciliation gaps. Our Setup & Clean service fixes it all for a one-time fee of $750, so your reports are accurate from day one.
Is my financial data secure?
Yes. Your data is encrypted in transit and at rest, hosted on enterprise-grade infrastructure, and never shared or sold. You can delete your data at any time.
Do I still need a bookkeeper?
Yes — CashRep works alongside your bookkeeper, not instead of them. Your bookkeeper keeps Xero clean and reconciled. CashRep turns that data into board-ready reports and AI-powered insights automatically.
How long does setup take?
Under 10 minutes. Upload your Xero P&L and Balance Sheet, set your targets, and your first report is ready in 60 seconds. If you want Setup & Clean first, we'll have you up and running within 48 hours.
What happens if I cancel?
Cancel anytime — no lock-in contracts. Your data remains accessible for 30 days after cancellation so you can export anything you need.

Your AI CFO is ready.
Are you?

Connect Xero. Get your first report in 60 seconds.

Get started →