Meet Latch, your new AI CFO

The AI CFO for contractors. Latch plugs into your books, bank, CRM and more, and runs your finances on autopilot.
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A CFO. Without the salary.

Most contractors find out about problems after they've already hit. Latch runs in the background 24/7 and tells you before they do - and exactly what to do about it.

CFO in your pocket

Your entire finances. In a text thread.
Learn More ->

Sales & lead economics

Know what's actually working.
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13-Week Cash Forecast

Your next 13 weeks, before they happen.
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Most contractors have a bookkeeper. Very few have real financial clarity. Latch gives you live financial intelligence — cash, AR, AP, job margins, and cash forecasts — all on autopilot. And when you need more, our team handles bookkeeping, job costing, and fractional controller services end to end. Built exclusively for contractors. Starting at $299/month.

Real-Time Financial Intelligence

Cash position, AP, AR, job margins, and 13-week cash forecasts — monitored continuously and delivered automatically. Ask anything by text, 24/7, like texting your CFO. Real answers from your real numbers in seconds.

Done-For-You Bookkeeping

Expert bookkeepers powered by our internal AI system handle your books end to end — every transaction categorized, every account reconciled, books closed by the 10th every month. CPA-reviewed. Always accurate.

Job Costing That Actually Works

Every cost tagged to the right job by our specialist team. Labor pulled from your payroll and timesheets. Receipts captured by text. Know your true margin on every job — before it closes.

Fractional Controller and Tax Services

A dedicated fractional controller reviews your numbers weekly, oversees the books, meets with you monthly, and helps you make real growth decisions. Tax filing handled by our team — AI-assisted, CPA-reviewed, and signed.

What changes when you know what's going on.

Today
Day 7
Day 60
Today
Get connected.
Link QuickBooks in five minutes
Connect your bank and CRM
See your cash position, AR, and AP in one place
Day 7
See what's been hiding.
Know which jobs are making money
See exactly where cash gets tight before it hits.
Know what to pay and who owes you.
Day 60
Make truly confident decisions.
Can I afford to scale right now?
What's my break-even this month?
Which service line do I double down on?
Try Latch for free

Don't take our word for it

Ask AI about us.

Pick your favorite AI and ask what it thinks about Latch. No filter, no spin.

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Simple, transparent pricing.

No hidden fees, no surprises.

Self-serve · 14-day free trial
Starter
$299/mo
Real-time financial intelligence for contractors done flying blind for good.
Try free for 14 days
What's included
  • Latch AI — ask anything, 24/7 via text or app
  • AP & AR Intelligence — who to pay, who owes you
  • Financial Scan — fraud, duplicates, waste detection
  • Real-time cash position & payroll coverage
  • Weekly financial snapshots in a text message, every Monday 9AM
  • Revenue anomaly detection & instant alerts
  • Service line analysis
  • P&L, Balance Sheet, Cash Flow — any period
  • 2 users · 1 entity · Email support
Cancel anytime
Most Popular
Self-serve · 14-day free trial
Pro
$499/mo
Full financial intelligence plus cash forecasting and monthly reporting.
Try free for 14 days
Everything in Starter, plus
  • 13-Week Cash Forecast
  • Spend Reports — by vendor, category & month
  • Multi-period margin trend analysis
  • Overhead & break-even analysis
  • Advanced scenario modeling
  • Pipeline & backlog intelligence (CRM required)
  • Billing gap detection
  • Full Monthly Report Package — branded PDF
  • Management reporting (CFO-level)
  • 3 seats included · Up to 5 total
Cancel anytime
Custom quote
Enterprise
Custom
Based on entities, users & complexity
Multi-entity intelligence for PE-backed companies, franchise groups, and large operators.
Get a custom quote
Everything in Pro, plus
  • Job P&L — real-time profitability per job
  • Formal WIP schedule — percentage of completion, bonding & surety formatted
  • PE & banking-ready reporting — EBITDA, DSCR, DSO/DPO
  • Board-ready executive summary
  • Advanced multi-entity with intercompany eliminations
  • Marketing & sales KPIs — cost per lead, revenue per lead source
  • Capacity planning & geographic expansion modeling
  • Certified payroll summaries & prevailing wage tracking
  • Bonding capacity analysis
  • Dedicated account manager · Custom SLA
  • Custom user limits & entities
Human + AI · Custom quote
Controller Lite
Starts at
$1,500/mo
You bring your own bookkeeper · We add the intelligence layer
Everything in Pro, with a real fractional controller reviewing your numbers every month.
Get a quote
Everything in Pro, plus
  • Monthly financial review call with your dedicated financial controller
  • Controller reviews AI outputs weekly — catches what you'd miss
  • Books are always clean and current — the data going in is right, so the intelligence coming out is accurate
  • No more second-guessing your numbers — your controller signs off on everything before it reaches you
  • Proactive flags on anything that needs your attention before it becomes a problem
  • Know exactly where you stand every month — not just what happened, but what to do about it
  • Stop relying on your accountant to tell you if you're profitable
  • Customizable user limits & seats
  • Dedicated account manager
  • Custom SLA
Full Service
Done for you · Custom quote
Controller Full
Starts at
$2,500/mo
Based on revenue, entity count & complexity
The complete financial team. AI precision, human oversight, done-for-you back office.
Get a quote
Everything in Controller Lite, plus
  • Your entire finance team — bookkeeper, job costing specialist, and fractional controller, all under one roof
  • Your books are always clean, current, and audit-ready — without you touching them
  • Dedicated fractional controller overseeing everything — reviews your numbers, catches problems, and tells you what to do
  • Monthly controller call — real strategy, not just a report review. What happened, why it happened, and what you should do next
  • Monthly close & ongoing job costing management
  • Know which jobs made money and which ones didn't — before you bid the next one
  • No more surprises at the end of a job that looked profitable on paper
  • PE/banking reporting package — EBITDA, DSCR, DSO/DPO ready
  • WIP schedule for bonding & surety
  • Marketing & sales KPIs — know your cost per lead and revenue per source
  • Capacity planning & expansion modeling
  • Stop making growth decisions on gut feeling — model it before you commit

Controller onboarding is handled by our implementation team — not self-serve. Book a call to get started →

Tax Preparation & Filing
Our team of contractor-specialized tax experts handles your filing from start to finish. CPA reviewed and signed. Never filed without sign-off.
  • Business tax return — 1120S / 1065 / Schedule C
  • Personal tax return — 1040
  • Multi-entity — priced per entity
  • Quarterly estimated payment calculations
  • 1099 preparation
  • Monthly tax add-on — roll into your retainer
Get a quote →
Tax Advisory
An optional add-on for contractors who want proactive tax strategy year-round — not just at filing time. Quarterly strategy call with your CPA included.
  • Entity structure optimization
  • Income & expense timing strategies
  • Depreciation planning
  • Retirement account strategies
  • Estimated payment strategy
  • Quarterly CPA strategy call included
R&D Tax Credits
Contractors engaged in engineering custom solutions, proprietary construction methods, design-build projects, and custom fabrication may qualify for significant R&D tax credits. Latch identifies the opportunity from your data. Our specialist partner conducts the formal study.
Assess my eligibility →
Who typically qualifies
We assess qualifying activities before engaging a specialist — no cost to find out.
  • Design-build contractors with custom engineering solutions
  • Contractors developing proprietary estimating or job costing methodologies
  • Companies testing new materials, systems, or construction techniques
  • Multi-location operators developing proprietary operational systems
Who typically does NOT qualify
Standard residential or commercial contractors doing routine work without novel engineering components.

One back office platform built for every trade that builds, fixes, and grows.

Roofing
Job costing, clean books, and real profit visibility for roofing contractors.
View all
Every trade. One financial OS. See which industry we serve next.
HVAC
Know your margins on every install, service call, and maintenance agreement.
Landscaping
Track job profitability across every crew, route, and service line.
Concrete
Real costs on every pour, every sub, every job. No more guessing at margin.
Franchises
Multi-location job costing and financial oversight, all from one dashboard.

Your questions answered

Everything you want to know before getting started.
What is Latch?
Who is Latch built for?
Do I need to replace QuickBooks to use Latch?
Is Latch just software or do you offer human services too?
How long does it take to get set up?
What if Latch doesn't work for my business?
How is Latch different from just using QuickBooks or hiring a bookkeeper?

Sign up for Control plan – get tax filing free. Limited spots

For a limited time, sign up for our control plan and get a free total financial diagnostic + your taxes filed on us.See how Latch helps contractors stop guessing & start knowing their numbers. Get real job profitability, accurate WIP, and bank-ready financials in 30 days or less.
Limited to 10 spots, offer ends April 15th

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