SaaS Pilot Proposal — Flourish Science | Pecunio

SaaS Pilot Proposal

AI-Powered Financial Intelligence for Flourish Science

Pecunio proposes a 6-month pilot partnership to connect Flourish’s financial stack — QuickBooks, Stripe, and RevenueCat — into a single AI-powered financial model with automated forecasting, SaaS metrics, and on-demand CFO-level insights.

Prepared for Flourish Science

Engagement Free 6-Month Pilot

Date 24 May 2026

Prepared by Marcus Wood, Pecunio

The Challenge

Three Systems, No Single Picture

Flourish Science runs on a modern SaaS stack — QuickBooks for accounting, Stripe for payment processing, and RevenueCat for subscription management. Each tool is strong in isolation, but together they create blind spots that make financial planning harder than it needs to be.

Disconnected revenue data MRR and churn live in RevenueCat. Stripe has the payment timing. QuickBooks has the P&L. No single view ties them together.

Stripe reconciliation pain Stripe deposits rarely match daily sales — fees, refunds, and payout timing create a reconciliation headache in QuickBooks.

Forecasting in spreadsheets Cash runway, burn rate, and revenue projections live in manually-maintained spreadsheets that go stale within days.

Board reporting is manual Preparing investor or board updates means pulling numbers from three dashboards, cross-referencing, and building slides by hand.

No scenario modelling “What if churn increases 2%?” or “What if we raise prices?” requires rebuilding the spreadsheet each time.

Subscription metrics are siloed RevenueCat tracks MRR, churn, and cohorts — but these metrics don’t feed into the cash flow forecast or P&L model.

The Solution

What Pecunio Delivers

Pecunio connects all three data sources into a single, AI-powered financial model — always current, always auditable, and accessible through natural language conversation.

1 Automated 3-Statement Financial Model

P&L forecast (12-month rolling) seeded automatically from QuickBooks actuals
Balance sheet roll-forward with working capital schedules (AR, AP, cash, liabilities)
Cash flow forecast (indirect method) reconciled to P&L and balance sheet
Deterministic engine — every forecast cell traces back to its source data or assumption
Multiple forecast methods: trailing averages, year-on-year, growth drivers, fixed amounts

2 13-Week Cash Flow Forecast

Weekly cash ledger with 18 categories: customer receipts, payroll, SaaS costs, hosting, contractors, and more
Stripe payout timing modelled accurately — when revenue actually hits the bank
Rolling cash runway calculation updated automatically
Collections curve modelling for subscription revenue
Structural tie-outs validating source data integrity

3 SaaS Metrics Dashboard

MRR and ARR tracked directly from RevenueCat’s metrics API
Churn rate, net revenue retention, and subscriber growth trends
Cohort analysis — retention curves by signup month
LTV per customer and LTV:CAC ratio (where acquisition data is available)
These metrics feed directly into the forecast engine as subscription-aware drivers

4 AI CFO Agent

Ask questions in plain English: “What’s our cash runway?”, “How did MRR change this month?”
Scenario modelling by conversation: “What happens if churn increases 2%?”, “Show me the impact of raising prices 20%”
Automated executive briefings and board-ready financial summaries
Anomaly detection: the agent flags unexpected changes in expenses, revenue, or cash position
Every answer is backed by auditable data — no hallucinated numbers

5 Stripe ↔ QuickBooks Reconciliation

Automated matching of Stripe payouts to QuickBooks bank deposits
Stripe processing fees tracked as a separate P&L line item
Refund impact on revenue and cash flow modelled accurately
Subscription revenue recognised correctly across billing periods

How It Works

Your Data, One Model

Pecunio connects to your existing tools via secure API integrations. No data migration, no new accounting software, no disruption to your current workflow.

QuickBooks

P&L, Balance Sheet
Invoices, Bank Txns

→

Pecunio

3-Statement Model
AI CFO Agent

←

Stripe

Subscriptions, Payouts
Charges, Refunds

RevenueCat

MRR, Churn, Cohorts
Subscriber Data

→

Pecunio

SaaS Metrics Engine
Forecast Drivers

→

Outputs

Forecasts, Runway
Board Reports

Integration	Data Pulled	Auth Method	Access
QuickBooks Online	P&L, Balance Sheet, Trial Balance, Chart of Accounts, Invoices, Bills, Payments, Bank Transactions, Journal Entries	OAuth 2.0	Read-Only
Stripe	Subscriptions, Charges, Refunds, Payouts, Balance Transactions, Invoices	API Key	Read-Only
RevenueCat	MRR, ARR, Churn, Revenue, Active Subscribers, Cohorts, LTV, Customer Subscriptions	API Key (v2)	Read-Only

        Read-only access only. Pecunio never writes to, modifies, or deletes data in your QuickBooks, Stripe, or RevenueCat accounts. All integrations are read-only. Your data stays exactly where it is.
      

Timeline

Pilot Rollout

We build the integrations, connect your data, and get you live on Pecunio within the first month. The remaining five months are for you to use the platform, give us feedback, and shape the product together.

Week 1–2

QuickBooks Integration

Connect QuickBooks via OAuth. Sync P&L, Balance Sheet, Chart of Accounts, invoices, and bank transactions. Seed the 3-statement model with 12 months of actuals.

Week 2–3

Stripe Integration

Connect Stripe via API key. Pull subscriptions, charges, refunds, and payouts. Map Stripe fees and payout timing into the cash flow model.

Week 3–4

RevenueCat Integration & SaaS Metrics

Connect RevenueCat v2 API. Pull MRR, ARR, churn, cohorts, and LTV. Feed subscription metrics into forecast engine as revenue drivers.

Week 4–5

Go Live

Full platform access: 3-statement model, 13-week cash flow, SaaS dashboard, AI CFO agent. Walkthrough session with the Flourish team.

Months 2–6

Active Pilot

Full platform use. Regular check-ins for feedback. We iterate on SaaS-specific features based on what Flourish actually needs. Data syncs run automatically.

Month 6

Pilot Review

Joint assessment: what worked, what didn’t, what’s next. Discuss ongoing engagement options and pricing for continued access.

Deliverables

What You Get

3-Statement Financial Model P&L, Balance Sheet, Cash Flow — 12-month rolling forecast, auto-seeded from QuickBooks

13-Week Cash Flow Weekly cash forecast with runway calculation, Stripe payout timing, and 18 expense categories

SaaS Metrics Dashboard MRR, ARR, churn, net revenue retention, cohort analysis, LTV — pulled from RevenueCat

AI CFO Agent Ask financial questions in plain English, run scenario models, get instant answers backed by real data

Automated Data Sync QuickBooks, Stripe, and RevenueCat sync on schedule — model stays current without manual work

Multi-Scenario Modelling Base case, growth, cost-cut, fundraise — compare scenarios side by side

What We Need from You

Getting Started

Setup is lightweight. We need read-only API access to three systems and a 30-minute kickoff call to understand your chart of accounts and reporting priorities.

Item	How	Time
QuickBooks Online access	OAuth connection — you authorise via a secure link, Pecunio gets read-only access	2 min
Stripe API key	Generate a restricted read-only API key from Stripe Dashboard → Developers → API Keys	5 min
RevenueCat API key	Generate a v2 secret API key from RevenueCat Dashboard → Project Settings → API Keys	5 min
Kickoff call	30-minute call to walk through your chart of accounts, key metrics, and reporting priorities	30 min

Pilot Terms

How the Pilot Works

$0 for 6 Months

Free Pilot · Full Platform Access · All Integrations Included

Pecunio builds the QuickBooks, Stripe, and RevenueCat integrations at no cost to Flourish. For six months, you get full access to the platform — 3-statement model, 13-week cash flow, SaaS metrics, AI CFO agent, and scenario modelling — completely free.

In return, we ask for honest feedback. What works, what doesn’t, what’s missing. Your input directly shapes the product for SaaS companies. At the end of the pilot, we’ll discuss ongoing access and pricing — no obligation, no pressure.

          Why free? Pecunio is expanding from accounting-firm clients into SaaS. Flourish is the ideal first SaaS customer — modern stack, subscription model, real financial complexity. We invest the engineering time to build these integrations; you invest the time to use the platform and tell us what matters. We both win.
        

          What happens after 6 months? We review together. If Pecunio is delivering value, we agree on a subscription that works for both sides. If it’s not, you walk away with no cost incurred. Your data stays in your systems — we never hold it hostage.
        

          Your data, your control. All integrations are read-only. Pecunio never writes to your QuickBooks, Stripe, or RevenueCat. You can revoke API access at any time. Data is encrypted in transit and at rest on Google Cloud Platform (GCP).
        

What We Ask

Your Side of the Partnership

Use the platform. Log in at least weekly. Run your actual financial planning through Pecunio, not alongside it.
Give us feedback. Monthly check-in (30 minutes) to share what’s working, what’s frustrating, and what you wish existed.
Be a reference. If the pilot is successful, we’d love a brief testimonial or case study we can share with other SaaS companies.
Respond to setup requests. Provide API keys and attend the kickoff call within the first week so we can build momentum.

Next Steps

Let’s Get Started

Three steps to go live. We handle the heavy lifting.

Confirm the pilot — reply to this proposal or schedule a call
Share API access (QuickBooks OAuth, Stripe key, RevenueCat key) — ~10 minutes total
30-minute kickoff call — we walk through your accounts and start building
Go live within 4–5 weeks — full platform access with all three integrations connected