Your new AI CFO employee, on call 24/7.

Latch runs your financial back office for you. Cash, job costs, AP, AR, collections, and reporting, all on top of QuickBooks and the tools you already use. It checks every number against every source, flags what’s wrong before you do, and answers any question simply. Up and running in 30 minutes.
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Ask anything. Get a real answer.
Cash position, job margin, AR aging, payroll runway, bid-to-actual. Ask in plain English and get an answer pulled from your live numbers, not a dashboard you have to drive.
Every number, checked.
Latch reads QuickBooks, your bank, CRM, payroll, and billing inbox, and checks each figure against every source. Mistakes show up the day they happen, not at month-end.
Problems surface before they cost you.
Aging receivables, slipping job margins, cash gaps, unbilled change orders. Latch flags them the moment they appear, with the dollar impact attached.

Everything Latch watches, tracks, and answers for you.

Latch AI

Ask anything, by text or in the app, any hour. Cash, margin, AR, AP, job P&L, what-if scenarios, answered in plain English from your live numbers. A real AI CFO built for the trades, not a chatbot wrapped around your data.

AP & AR Intelligence

What to pay, what to hold, who owes you, ranked against your live cash. Vendor bills land in your inbox, get read, and match to QuickBooks automatically. Overdue invoices ranked by risk and days late, with a daily collections list so nothing slips.

13-Week Cash Forecast

A rolling weekly look at your cash, built from live AP, AR, and revenue. Low weeks flagged early. Thinking about adding a crew, taking a big job, or changing your payment terms? Model it against real numbers before you commit.

Job costing & margin

See what every job is actually making, not what you hoped at bid time. Costs tracked against the job as the work happens, with margin by job and crew, so a job going the wrong way gets flagged while you can still fix it.

Spend watch

A nonstop check for duplicate payments, vendor price creep, miscoded job costs, and spend that shouldn’t be there. Latch finds it, tells you what it’s costing you, and hands you the list.

Reports & alerts

Month-end close handled, and clean reports generated on schedule, ready to send to your accountant, your bank, or whoever needs them. Plus real-time alerts the moment cash drops, an invoice ages, or a change order goes unbilled.

Every answer, end to end

Ask Latch a money question and the answer follows the same chain every time: what happened, why it happened, what it means in dollars, and what to do about it. Pulled from your live numbers. No made-up figures. No vague hedging. If something isn’t connected yet, Latch tells you exactly what to wire up.

Know what to pay. Know who to chase. Never get caught short.

Latch builds your AP priority list from your live cash position: what’s due, what’s coming, what to hold. Vendor bills hit your billing inbox, get read, and match to QuickBooks automatically. On the AR side, every open invoice is ranked by risk and days late, with a daily call list and alerts when a customer’s payment pattern slips. The money was always yours. Latch makes sure you collect it.

It catches the money you’re losing.

Latch watches every dollar that moves through your business, all day, every day. Duplicate payments, a vendor who quietly raised prices, software you forgot you’re paying for, charges that don’t add up. It finds them, tells you what they’re costing you, and hands you the list. Most owners find thousands in the first month alone.

See the cash gap months before it hits.

Latch keeps a rolling 13-week cash forecast built from your live AP, AR, and revenue, updated every day. Low-cash weeks get flagged early, so payroll and big bills stop being a guess. Thinking about adding a crew, taking a large job, or changing your payment terms? Model it against your real numbers and see the week-by-week cash impact before you commit.

Compare plans

Every feature, side by side.

Starter

Try free for 14 days

Pro

Try free for 14 days
Latch AI
Ask anything, by text or in-appYour AI CFO, on call 24/7
Questions per month
50 / mo
200 / mo
Answers with the full pictureWhat happened, why, what it means in dollars, what to do
Live cash positionAcross every account, any time you ask
"Can I make payroll?"Answered with upcoming bills factored in
Margin & P&L analysisAny period, versus last month or last year
Spending patterns & burn rate90-day breakdown by category
Who to chase, who to payAR collections priority and AP pay priority
Scenario modelingModel a hire, a truck, or a new crew against your cash
Job-level profitabilityWhat each job actually made, from your field software
Your financials
Executive SummaryCash, revenue, margin, AR, AP at a glance
P&L, Balance Sheet & Cash FlowLive, any period, with plain-English commentary
Revenue MixBy service line, customer, and period
AP IntelligenceBills due, pay priority, billing inbox sync
AR IntelligenceAging, collections priority, payment patterns
Financial ScanDuplicates, miscoded costs, vendor price creep, waste
Overhead & Break-EvenFixed cost analysis, break-even revenue
13-week Cash ForecastRolling forward projection from live AP, AR, and revenue
Spend ReportsVendor spend, trends, and anomalies
Job P&LReal-time profit per job
It comes to you
Monday PulseYour whole money picture by text and PDF, every Monday 9 AM
Real-time alertsDuplicates, anomalies, and price creep flagged as they happen
Text messages per month
100 / mo
500 / mo
Alert delivery
Text & email
Text, email & Slack
Weekly collections listWho to chase, ranked by priority
Monthly Report PackageFull financials delivered the first Monday of the month
Latch does the work
AutopilotRecurring money tasks run automatically, on your schedule
Set up tasks by talking"Every Friday, text me any uncategorized transactions"
Task template libraryPre-built tasks for your trade, ready to turn on
AI-recommended tasksLatch suggests tasks based on what it sees in your books
Send emails from your inboxLatch drafts, you approve, it sends
Latch CloseMonth-end close managed and run, in days not weeks
Auto-verified close itemsLatch watches QuickBooks and checks the box for you
Close checklist & approvalsAssign work, review judgment items from your phone
Reports
Preset reportsReady-to-run reports you can turn on
17 presets
52 presets
On-demand reportsGenerated the moment you ask Latch
10 / mo
20 / mo
AI commentary on every reportPlain-English story, not just numbers
Auto-saved & downloadableEvery report archived, ready to send anytime
Core financialsP&L, balance sheet, cash flow, AR & AP aging
Financial Scan summaryDuplicate, anomaly, and waste findings
13-week cash forecast report
Vendor spend & price-creep reports
Job profitability reportsEvery job ranked by margin
Monthly Report PackageFull financials bundled and delivered monthly
Integrations
QuickBooks OnlineYour books stay the source of truth
Bank & cardsPlaid, read-only
Billing inboxGmail or Outlook, so bills come to Latch
Field software & CRMJobber, ServiceTitan, Housecall Pro, JobNimbus, AccuLynx, Roofr, Buildertrend, and more
PayrollGusto, ADP, Paychex, Rippling, QuickBooks Payroll
Spend managementRamp, BILL, Expensify
Google Sheets & DriveConnect your own budget and files
SlackGet answers and alerts right in your workspace
Plans, seats & security
Monthly price
$299 / mo
$499 / mo
Included users
2 users
3 users (up to 5)
Locations
1
Up to 5
AI questions per month
50
200
Text messages per month
100
500
Custom user permissionsControl who sees which pages and reports
Multi-location viewSeparate books, one consolidated picture
Set up yourself in minutesConnect your accounts and go, no onboarding project
Bank-level data securityRead-only connections, logins never stored, data never trains any model
Support
Email & chat
Priority

Live in 30 minutes, not twelve months.

1

Connect Your Stack

QuickBooks, your bank, your field software, your billing inbox. Read-only to start. No data migration, no rip-and-replace, no setup project.
2

Latch gets to work

In minutes, your numbers are pulled together and checked against each other. Latch learns your business, and the first answers and alerts start showing up the same day.
3

You stay in command

Ask it anything, any time. Latch tells you what’s going on and what to do, and proposes the move. You approve. Every action it takes is logged.
Transform

See it run on your numbers

Connect your accounts and see your real financial picture in minutes. Sign up free, no demo call, no sales pitch. Just your numbers.
Try free for 14 days

Built to plug into the stack you already use.

Your questions answered

Everything you want to know before getting started.
What is Latch?
Who is Latch built for?
Do I need to switch from QuickBooks?
Is Latch software or a service?
How long does it take to go live?
How is the data kept secure?
How is Latch different from QuickBooks or a controller?

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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