For growing businesses

Find out what your business is actually worth — and what’s holding it back.

Most businesses reach $5M — even $10M — still flying blind on the numbers that actually drive value, and a CFO who’d fix that is out of reach. A great CFO doesn’t hand you a report — they tell you your position against the best in your industry, name the gap in exact dollars, and give you one specific instruction. Vigil does exactly that. Every morning. Built from your actual books.

Message @Vigil_CFO_bot See a live demo

Free during beta  ·  Opens Telegram  ·  Bot walks you through it  ·  Read-only access  ·  No credit card

Business owner reviewing financial data
V
Vigil ✓
bot · online

Good morning, Sarah 👋

Your daily briefing is ready.

Vigil Score — Summit HVAC
3.2 / 5.0

Your pricing gap is costing $31K/year. Raise service rates 8% on jobs over $3K — comps in your market support it.

07:14 AM  ✓✓
🏆 Vigil Score
⚡ Take Action

Does any of this sound familiar?

Every one of these questions
has a dollar answer.

Most business owners sense the problem. They just don’t know where to look — or what it’s actually costing them. Vigil does.

💸
Do you reach the end of the month and wonder where the cash went?
Your revenue looked fine. Your bank balance didn’t agree.
Cash Cycle
💰
Are you afraid to raise your prices — even though you haven’t in two years?
Most owners are charging 15–25% below what their market will quietly pay.
Pricing Strategy
🔍
Are you busy doing work that’s quietly losing you money?
Not all revenue is good revenue. Some of your jobs are subsidising the rest.
Gross Margin by Segment
⚠️
If your biggest client called tomorrow and said they were leaving — then what?
One phone call shouldn’t have the power to threaten your payroll.
Customer Concentration
⏱️
Are you still chasing invoices from 60 days ago?
Every day you wait to collect, you’re financing someone else’s business with your own cash.
Collection Discipline
⚡
Do you actually know how much revenue each person on your team generates?
The best-performing businesses your size track this. Most don’t. There’s a gap between them.
Labor Efficiency
🎢
Great month. Terrible month. Great month. Is that just how your business works?
The feast-or-famine cycle isn’t bad luck. It’s a solvable structure problem.
Revenue Mix
📈
Is your business growing — but somehow you’re not actually making more money?
When costs scale faster than revenue, growth becomes the enemy. This is more common than you think.
Cost vs. Revenue Growth

↓   Vigil finds the answer to all eight. From your actual books.   ↓

3.2 / 5.0
Vigil Score

Example — Summit HVAC, $4.1M revenue

The Vigil Score

Eight capabilities. One composite score. One move.

Every growing business has the same eight financial levers. Vigil reads your actual QuickBooks data, scores each one from 1–5, and compares you against the best in your industry. Vigil tells you which lever to pull first — with exact language and dollar impact.

  • Pricing Strategy2.4
  • Cash Cycle Management3.1
  • Customer Concentration2.8
  • Gross Margin by Segment3.4
  • Labor Efficiency2.1
  • Revenue Mix (Recurring %)3.8
  • Collection Discipline2.6
  • Cost vs Revenue Growth3.2
Your score Best-in-class avg: 4.5

What Vigil delivers

Every financial question your business will ask — answered.

Not a dashboard. Not reports. A conversation built from your actual QuickBooks data — in Telegram, every morning.

Daily intelligence

📈
Morning Briefing

Your financial position in 60 seconds, every morning. Cash, revenue trend, margin, and the one thing that needs your attention today.

“Cash is down $8K this month — two overdue invoices are the drag. Margin is compressing. Here are today’s three moves.”
⏱️
AR Alerts

Every invoice past 14 days, ranked by dollar impact. Vigil watches your receivables and flags the ones that need action before they become write-offs.

“Oakwood Mechanical: $14,200 — 38 days overdue. A follow-up email is drafted and ready to send.”
💬
Ask Vigil

Any financial question, answered directly from your books. No lookup, no waiting — a specific answer with the number behind it.

“Who’s my most profitable client? — Summit HVAC: $31K at 68% gross margin. Your next highest is Meridian at 51%.”

Financial analysis

💸
Cash Forecast

30, 60, and 90-day cash projections with confidence bands based on your actual payment history — not generic assumptions.

“In 45 days: projected $22K–$34K. Risk: Meridian Group ($8K) has paid late on 3 of their last 4 invoices.”
🔍
Margin Analysis

Gross margin by service, client, and job type — so you know which work is profitable and which is quietly subsidising the rest.

“Commercial HVAC: 52% margin. Residential service calls: 31%. You’re subsidising $18K of low-margin work annually.”
💰
Value Gaps

Where you’re leaving money on the table, in exact dollars — benchmarked against the best operators in your industry and revenue range.

“Pricing gap: $31K/year. Collection gap: $22K. Together, that’s $53K sitting unclaimed in your current business.”
Coming soon
📊
Variance Report

What changed this month — and exactly why. Revenue and expense variances decomposed into named drivers, not just numbers.

“Revenue down $9K: volume flat, avg job value fell $180 — three large contracts didn’t renew. Here’s what to focus on.”
Coming soon
💹
Pricing Scenarios

The revenue impact of a price increase before you make it — with the break-even churn rate so you know exactly how much room you have.

“+10% on service rates: +$38K/year at current volume. You’d break even if you lost fewer than 6 clients.”
Coming soon
🧾
Tax Readiness

Your estimated quarterly tax position and 1099 obligations from your actual books — so nothing surprises you when the deadline arrives.

“Q2 estimated taxes: $12,400. Current reserve: $7,200. You’re $5,200 short — flag this before June 15.”

Take action

📨
AR Follow-up Drafts

Ready-to-send follow-up emails for every overdue invoice — personalised to the client, the amount, and how long it’s been outstanding.

“Hi James — following up on invoice #4471 for $14,200 from April 3rd. Happy to answer any questions about it...”
📬
Rate Increase Notices

Professional rate adjustment letters for underpriced services — drafted from your actual numbers, ready to send to clients the same day.

“I’m writing to let you know we’re adjusting our service rate to $110 per call, effective June 1st. Here’s why...”
Coming soon
📋
Quarterly Review

A full QBR narrative for your bank, partner, or board — your quarter in one paragraph, with revenue, margin, and what’s coming next.

“Q2 was your strongest quarter in 18 months, driven by a 14% rise in commercial contracts. Three risks heading into Q3…”

Your gap, in dollars

Most growing businesses leave $60K–$200K on the table every year.

Vigil doesn’t show you ratios. Vigil shows you the cash that’s missing — by capability, named and quantified, from your actual books.

Pricing Strategy

$31,200

Your average service rate is 18% below benchmark for HVAC contractors in your revenue range. At your volume, that's $31K a year in unrecovered margin.

Collection Discipline

$22,800

Average DSO is 54 days versus the 34-day benchmark. At your AR volume, tightening collections frees $22K in working capital and reduces bad debt exposure.

Revenue Mix

$18,400

41% of revenue is recurring vs. the 67% benchmark. The low recurring base inflates customer acquisition cost and depresses your business's exit multiple.

One scripted move

Not a report.
An instruction.

Vigil gives you one specific move each week — not a list of things to consider, not a dashboard to monitor. One thing, with exact language, that moves your lowest-scoring capability toward the benchmark. Do it, and the score moves.

This week — Pricing Strategy  ·  Priority 1

Raise your residential service call rate from $95 to $110.

Your current rate is $95. The benchmark for HVAC contractors at your revenue range is $108–$115. Your last 47 service calls averaged 94 minutes of labour. At $110, you recover $705 on last month's volume alone.

Update the rate in QuickBooks under Products & Services → Service Call. Apply to all new invoices from Monday.

Expected impact: $8,460/year additional revenue  ·  Pricing score: 2.4 → 3.6

Bright spots — businesses like yours

Same size. Same constraints. Already ahead.

Every Vigil Score shows you peers who already fixed the gap you're facing — in the same industry, at the same revenue range, starting from the same score.

Plumbing  ·  $3.8M revenue  ·  Phoenix, AZ

"We had no idea our pricing was 22% below market. We thought customers would push back. Three months in, not a single one did."

Pricing score was 2.1. Raised rates on maintenance contracts and service calls over six weeks. No customer attrition.

+$44,200 annual revenue  ·  Score: 2.1 → 4.3

Landscaping  ·  $2.2M revenue  ·  Austin, TX

"Our cash was always tight even when the books looked fine. Turns out our DSO was 61 days. Vigil showed us exactly which customers to call first."

Collection Discipline score was 1.8. Implemented a 30-day follow-up sequence for invoices over $500. DSO dropped to 38 days in 10 weeks.

$31,000 freed from AR  ·  Score: 1.8 → 3.9

The destination

Here is what 4.2 looks like.
It’s closer than you think.

Below is a composite of the businesses most similar to yours that have reached a Vigil Score of 4.2 or above — same industry range, same starting point, same constraints. This is where the work takes you.

Where they started

2.3

Vigil Score · Starting position

Service pricing vs. market–19% below
Cash runway28 days
Top client share of revenue26%
Gross margin29%
Recurring revenue21%
Days to collect (DSO)61 days
Net margin9%

Their first move — week one

Raised their service call rate on new jobs only. Existing clients untouched. Zero pushback. $0 cost. Took four minutes to update in QuickBooks.

Recovered $8,400 in the first 60 days.

Where they are now · Score 4.2

4.2

Vigil Score · 16 months later

Service pricing vs. marketMarket rate
Cash runway79 days
Top client share of revenue9%
Gross margin43%
Recurring revenue58%
Days to collect (DSO)28 days
Net margin21%

Net financial effect — 16 months

Additional annual revenue+$154,000
Cash freed from AR+$38,000
Exit multiple (est.)2.1× → 3.6×

They were at 2.3. They were nervous about raising prices. They started with one rate change on one service. Vigil told them exactly which one. Your 4.2 starts the same way.

See what your 4.2 looks like  →

How it works

1

Message @Vigil_CFO_bot

Open Telegram and say hi. The bot walks you through connecting your QuickBooks in about two minutes — read-only, revocable any time.

2

Vigil scores your business

Overnight, Vigil calculates your score across all 8 capabilities from your actual transaction data.

3

Get one scripted move

Every morning, Vigil surfaces your priority gap and gives you one specific instruction — not a recommendation. An instruction.

4

Watch the score move

As your books update, your score updates. Do the move, see the number change. That's the identity shift.

Free during beta

Your score is waiting.

Message @Vigil_CFO_bot on Telegram — the bot walks you through connecting your books and delivers your score in minutes. Free, read-only, no credit card.

Message @Vigil_CFO_bot Try live demo

For AI developers

Connect Vigil to your agent.

Vigil is an MCP skill. Add it to Hermes, OpenClaw, or Claude Desktop and your agent gains instant financial intelligence for any connected business.

mcp_servers:
  vigil:
    url: https://vigilcfo.com/mcp
    headers:
      Authorization: "Bearer YOUR_VIGIL_API_KEY"

Add to ~/.hermes/config.yaml and restart Hermes. Vigil's tools appear automatically.

{
  "mcpServers": {
    "vigil": {
      "url": "https://vigilcfo.com/mcp",
      "headers": {
        "Authorization": "Bearer YOUR_VIGIL_API_KEY"
      }
    }
  }
}

Add to your OpenClaw MCP config and reload. Vigil will appear as a connected skill.

{
  "mcpServers": {
    "vigil": {
      "url": "https://vigilcfo.com/mcp",
      "headers": {
        "Authorization": "Bearer YOUR_VIGIL_API_KEY"
      }
    }
  }
}

Add to ~/Library/Application Support/Claude/claude_desktop_config.json and restart Claude Desktop.

Replace YOUR_VIGIL_API_KEY with the key from your Vigil dashboard.  ·  Try the live demo →