Nume: The AI CFO Built for Startups and Small Businesses

Meet Nume, the world’s first AI CFO designed for startups and SMEs. Nume helps small teams get smart about money without hiring a full-time finance person. It promises quick onboarding, automated reporting, and real-time financial insights so founders and managers can stop guessing and start planning.

If you run a small business, a microteam, or an early-stage startup, Nume is built for you. It’s for people who wear many hats and don’t have hours to wrestle with spreadsheets. Think of it as a finance teammate that doesn’t need coffee breaks — one that organizes your cash flow, spots risks, and makes numbers make sense.

1. Automate financial reporting and analysis

One of the biggest time-sucks for small businesses is creating monthly reports. Nume can pull numbers together, make charts, and flag anomalies automatically. Instead of copying and pasting data from invoices, bank feeds, and accounting software, you get tidy reports ready for investors, lenders, or internal review.

Practical steps:

• Connect your accounting software and bank feeds.
• Set up monthly or quarterly report templates.
• Schedule automatic distribution to stakeholders (cofounders, advisors).

Why it helps: saves hours each month, reduces human error, and makes your financial story consistent and easy to share.

2. Manage cash flow and budgeting

Cash is king, and small businesses live or die by it. Nume helps forecast cash flow by analyzing invoices, payment terms, and expected expenses. It creates simple dashboards that say, “Here’s how many days of runway you really have,” and alerts you if a shortfall is coming.

Practical steps:

• Input upcoming invoices, payroll dates, and known expenses.
• Use scenario planning to see the impact of hiring, pricing changes, or slower sales.
• Set alerts for low-cash thresholds so you can act early.

Why it helps: you get fewer surprises and more control — so you can plan hires, marketing spends, or fundraising with confidence.

3. Provide real-time financial insights

Numbers are only useful if they’re timely. Nume gives you near real-time insights into revenue trends, margin erosion, and customer churn metrics. Instead of waiting until month-end, you can spot problems or opportunities as they happen.

Practical steps:

• Set up dashboards for revenue, expenses, and key ratios (gross margin, burn rate).
• Customize alerts for sudden drops in sales or spikes in costs.
• Review the dashboard weekly with your team to keep everyone aligned.

Why it helps: small moves early can prevent big headaches later. Real-time data keeps decisions nimble.

4. Assist in strategic financial planning

Nume isn’t just reactive — it can help with forward-looking strategy. Use it to model pricing changes, testing new product lines, or planning a fundraising timeline. The tool turns “what if” questions into concrete numbers so you can compare choices side-by-side.

Practical steps:

• Build simple scenarios: conservative, base, and aggressive.
• Estimate revenue per customer and cost per acquisition to see break-even points.
• Use outputs to craft a budget or a fundraising ask with real backup numbers.

Why it helps: makes strategy less guesswork and more measurable. Investors and partners like numbers that tell a clear story.

5. Simplify tax compliance and filing

Taxes are dull and scary, but they don’t have to be. Nume can categorize transactions and prepare summaries that make tax time less painful. It helps you organize deductions, track VAT or sales taxes, and hand an accountant cleaner files.

Practical steps:

• Enable automatic categorization of income and expenses.
• Generate tax-ready reports for the right periods.
• Share export files with your accountant or upload to tax software.

Why it helps: reduces auditor stress, lowers the chance of missed deductions, and saves time when preparing returns.

Pricing

At the time of writing, a public pricing page was not available. If you’re interested, contact Nume’s sales team for current plans and custom pricing for startups and SMEs.

Pros and cons

• Pros:
• Saves time by automating reports and routine finance tasks.
• Turns raw data into clear, actionable insights.
• Good fit for startups and small teams with limited finance staff.
• Helps with planning, runway forecasting, and tax prep.
• Quick onboarding designed for non-finance founders.
• Cons:
• May require clean accounting data to work best — messy books need cleanup first.
• Customization for complex businesses could need extra help or a human CFO.
• Public pricing wasn’t available at time of writing — you’ll need to talk to sales to get exact costs.
• Small teams may still want a human review for critical decisions and investor conversations.

Conclusion

Nume wants to be the easy button for small business finance. If you’re tired of late-night spreadsheet wrestling, missed invoices, or guessing your runway, it’s worth a look. It doesn’t replace human financial advice for big, complex decisions, but for day-to-day reporting, cash management, and planning — it can be a huge help.

Ready to stop drowning in numbers and start using them? Reach out to Nume to see a demo and find the right plan for your business.