The finance copilot for your business
Virtual CFO for your business
A CFO reviews cash, receivables, payables, provisions and the plan every week. Banker does that work every day with your real data and shows it in an owner's language, not an accountant's.
Diagnostic and 90-day plan
The CFO diagnostic reads your numbers and rates each front (cash, receivables, payables, margin, debt, provisions) as healthy, alert or critical, with the reason.
From there it proposes a 90-day plan in three stages, stabilize, optimize and scale, with concrete actions you can assign and track.
Financial statements you understand
Income statement with collected versus invoiced, balance sheet and the Money Map: what each account is for (sales, operating expenses, provisions, profit, cushion).
Your accountant inside
Invite your accountant with their own role: they see everything, propose actions and work on already-categorized transactions. Banker gives no financial, accounting or tax advice; it organizes the information so the decisions are yours.
Try it with your real numbers.Create account See pricing
Frequently asked questions
Is there a virtual CFO for SMEs in Costa Rica?
Banker is financial management software that plays the role of a day-to-day CFO: cash, receivables, payables, provisions, diagnostic and plan. It is not a person and gives no advice; the decision remains yours.
What does the diagnostic measure?
Available cash and months of cash, receivables and payables aging, margin, debt and provision coverage, each with a healthy, alert or critical status.
Do I need to know accounting?
No. Banker speaks in cash, receivables, payables and provisions. Your accountant can join with their own access and see the same in accounting terms.
Does it replace my accountant?
No. Banker keeps no double-entry books and files no returns; it organizes your numbers so you and your accountant work with up-to-date data.