# Fractional Labs

> AI-powered financial intelligence platform that delivers automated CFO-level reporting, forecasting, and analytics — connected to QuickBooks Online, Plaid, and 12,000+ banks.

Fractional Labs replaces expensive CFO overhead with software that generates professional financial reports, cash flow forecasts, and board-ready decks in under 60 seconds. Start free with 5 reports, no credit card required. Trusted by funded startups, accounting firms, and growing businesses across the US, Canada, UK, and Australia.

The platform covers 601+ AI report templates across 51 categories including finance, tax, SEC/IRS compliance, HR, sales, marketing, operations, private equity, venture capital, healthcare, cannabis compliance, real estate, blockchain, DevOps, AI/DataOps, and ESG.

## Core Platform

- [Home](https://tryfractional.app/): AI financial intelligence platform — QuickBooks sync, Plaid bank connections, automated reports, and CFO-grade insights in under 60 seconds
- [Platform](https://tryfractional.app/platform): Full feature overview — 601+ AI report templates, live forecasting, multi-entity consolidation, and workspace management. Replaces $150K CFO hires at a fraction of the cost
- [Pricing](https://tryfractional.app/pricing): Free tier (5 reports, no card required), paid plans for growing businesses, and enterprise plans for accounting firms and multi-entity organizations
- [Security](https://tryfractional.app/security): SOC 2 Type II certified, AES-256 encryption, OAuth-only QuickBooks access, financial data never shared with public LLMs like ChatGPT
- [Live Reporting](https://tryfractional.app/product/live-reporting): Real-time financial reporting that updates automatically as QuickBooks and Plaid data changes — no manual refresh or month-end bottleneck

## Integrations

- [All Integrations](https://tryfractional.app/integrations): QuickBooks Online native sync + Plaid for 12,000+ banks and cards including Chase, Bank of America, Wells Fargo, Brex, Mercury, Capital One. CSV/XLSX/PDF upload for any other tool
- [QuickBooks Integration](https://tryfractional.app/integrations/quickbooks): Native OAuth QuickBooks Online sync — general ledger, chart of accounts, P&L, balance sheet, and cash flow imported automatically
- [Plaid Bank Connections](https://tryfractional.app/features/plaid): Connect 12,000+ banks and cards via Plaid for real-time cash position, transaction history, and spending analysis
- [QuickBooks Product Page](https://tryfractional.app/products/quickbooks): How Fractional enhances QuickBooks with AI reports, forecasts, and narrative insights beyond native QuickBooks reporting
- [Bank of America Integration](https://tryfractional.app/integrations/bank-of-america): Connect Bank of America business accounts via Plaid for automated cash position and transaction reporting
- [Sage Intacct Integration](https://tryfractional.app/integrations/sage-intacct): Import Sage Intacct data via CSV/XLSX for AI-enhanced financial reporting
- [ADP Integration](https://tryfractional.app/integrations/adp): Import ADP payroll data for headcount costs, payroll summaries, and HR analytics
- [PayPal Integration](https://tryfractional.app/integrations/paypal): Import PayPal transaction data for revenue analytics and payment reconciliation

## Financial Reports

- [Trial Balance](https://tryfractional.app/reports/trial-balance): All account balances from QuickBooks — verify debits equal credits, foundation for month-end close and audit preparation
- [General Ledger](https://tryfractional.app/reports/general-ledger): Complete record of every financial transaction with account-level detail, sourced from QuickBooks
- [General Ledger List](https://tryfractional.app/reports/general-ledger-list): Condensed account and balance listing from QuickBooks for quick accountant review
- [Profit and Loss by Month](https://tryfractional.app/reports/profit-and-loss-by-month): Monthly P&L in columnar format — revenue, COGS, expenses, and net income trends across periods
- [Balance Sheet](https://tryfractional.app/reports/balance-sheet): Assets, liabilities, and equity snapshot at any point in time from QuickBooks
- [Cash Flow Forecast](https://tryfractional.app/reports/cash-flow-forecast): AI-generated 13-week to 18-month cash flow projection with burn rate and runway analysis
- [Sales Forecast Report](https://tryfractional.app/reports/sales-forecast-report): Forward-looking revenue projection using historical trend analysis and optional CRM pipeline data
- [Journal](https://tryfractional.app/reports/journal): Complete record of all journal entries for accounting review and audit preparation
- [Collections Report](https://tryfractional.app/reports/collections-report): Overdue invoices and AR aging with collection priority ranking and customer payment history
- [IFRS Reconciliation](https://tryfractional.app/reports/ifrs-reconciliation): Maps financial data to IFRS-compliant formats for international reporting requirements
- [EBITDA Bridge Report](https://tryfractional.app/reports/ebitda-bridge-report): Step-by-step waterfall from revenue to adjusted EBITDA — used for PE, M&A diligence, and investor reporting
- [Real Estate Portfolio Report](https://tryfractional.app/reports/real-estate-portfolio-report): NOI, cap rate, cash-on-cash return, and occupancy metrics across a real estate portfolio

## Use Cases & Audiences

- [For Accountants](https://tryfractional.app/accountants): Accounting firms scale AI-powered client reporting across multiple QuickBooks accounts with white-label delivery
- [Partner Program](https://tryfractional.app/partner): Reseller and referral program for accounting firms, fractional CFOs, and financial consultants
- [Startup Reporting](https://tryfractional.app/startup-reporting): Investor-ready P&L, cash runway, burn rate, and board deck generation for funded startups
- [CFO Software](https://tryfractional.app/cfo-software): Full CFO analytics suite — automated reporting, forecasting, KPI dashboards, and board decks without the $150K+ salary
- [Fractional vs Full-Time CFO](https://tryfractional.app/fractional-vs-fulltime-cfo): Cost and capability comparison — AI software vs hiring a full-time or fractional CFO

## Resources & Legal

- [Monthly Financial Report Templates](https://tryfractional.app/monthly-financial-report-templates): Free downloadable P&L, cash flow, balance sheet, and executive summary templates — plus AI-powered versions that auto-populate from QuickBooks
- [Learn](https://tryfractional.app/learn): Guides and tutorials for financial reporting, CFO software, and QuickBooks integrations
- [GDPR](https://tryfractional.app/gdpr): EU data rights, GDPR compliance, and data processing agreements for EU users
- [Careers](https://tryfractional.app/careers): Open roles at Fractional Labs

## Optional: Blog Posts

- [How to Read a Cash Position Report](https://tryfractional.app/blog/how-to-read-cash-position-report): Interpreting cash position reports — burn rate, runway, and cash concentration
- [Can QuickBooks Automatically Generate a Trial Balance?](https://tryfractional.app/blog/can-quickbooks-automatically-generate-trial-balance): QuickBooks native capabilities vs AI-enhanced trial balance reporting
- [KPIs Every CEO Should Track](https://tryfractional.app/blog/kpis-ceo-should-track): Essential financial and operational KPIs for CEO visibility
- [QuickBooks Integration Tips](https://tryfractional.app/blog/quickbooks-integration-tips): Best practices for QuickBooks sync and financial reporting
- [CEO Guide to Financial Dashboards](https://tryfractional.app/blog/ceo-guide-to-financial-dashboards): How CEOs should structure and read financial dashboards
- [QuickBooks Integrations Guide](https://tryfractional.app/blog/quickbooks-integrations-guide): Comprehensive guide to QuickBooks third-party integrations
- [AI CFO Software for Small Business](https://tryfractional.app/blog/ai-cfo-software-small-business): How AI CFO software compares to fractional and full-time finance hires
- [Accounting Firm Scaling Strategies](https://tryfractional.app/blog/accounting-firm-scaling-strategies): How accounting firms scale client reporting with AI
- [Board Meeting Preparation Guide](https://tryfractional.app/blog/board-meeting-preparation-guide): Financial packages and board decks for investor meetings
- [CFO Automation Best Practices](https://tryfractional.app/blog/cfo-automation-best-practices): Finance automation workflows for CFOs and controllers
- [Real-Time Reporting Benefits](https://tryfractional.app/blog/real-time-reporting-benefits): Why real-time financial reporting outperforms monthly manual processes
- [Why Profitable Businesses Run Out of Cash](https://tryfractional.app/blog/why-profitable-business-runs-out-of-cash): Cash flow vs profit explained for business owners
- [Plaid Banking Integrations](https://tryfractional.app/blog/plaid-banking-integrations): How Plaid connects bank accounts to financial reporting tools
- [FP&A Rolling Forecasts](https://tryfractional.app/blog/fp-a-rolling-forecasts): How to build and maintain rolling financial forecasts
- [Financial Audit Preparation Checklist](https://tryfractional.app/blog/financial-audit-preparation-checklist): Step-by-step audit preparation checklist