Latch is the AI CFO for contractors and service enterprises. AI agents run the work of a full-time CFO and controller — monitoring every transaction, every job, and every dollar in or out, 24/7. It plugs into your QuickBooks, bank, CRM, payroll, and spend tools — then runs your finances on autopilot. Real-time cash, 13-week forecasts, job profitability, bid-to-actual variance, and instant answers from your live data — without the $200K salary, the onboarding, or the headcount.

Latch is built for home service contractors and service enterprises. Pro ($499/month) is for $10M-$30M owner-operators positioned as your AI CFO. Enterprise (custom, starting at $1,000/month) is for in-house finance teams at $30M+ contractors and service enterprises — from single-entity operators to PE-backed platforms and franchise groups doing $1B+ — positioned as your finance team's AI backbone.

Does Latch replace my bookkeeper?

No. Keep your bookkeeper. Latch makes them 3x better by catching every mistake, automating every report, and giving you a controller on top to make sure nothing falls through the cracks. Latch is the intelligence layer on top of clean books — not a bookkeeping service. We refer trusted bookkeeping partners if you need one.

Do I need to switch from QuickBooks?

No. Latch connects directly to your existing QuickBooks Online account and reads your data in real time. It sits on top of QBO and makes it useful — you keep everything you already have. Enterprise also integrates with NetSuite, Sage Intacct, Acumatica, and custom-built ERPs.

What is the difference between Pro and Enterprise?

Pro is $499/month, self-serve, and built for $10M-$30M owner-operators who don't have a CFO on staff — Latch acts as their AI CFO. Enterprise is custom-quoted starting at $1,000/month and built for in-house finance teams at $30M+ companies including PE-backed platforms and franchise groups doing $1B+ — Latch acts as their AI Controller and FP&A backbone. Enterprise adds multi-entity consolidation, custom ERP integrations, PE and banking-ready reporting, WIP for bonding, certified payroll, M&A analysis, Excel and Google Sheets agents, custom reports, unlimited everything, and a dedicated account manager.

How long does setup take?

Most contractors on Pro are connected and seeing real financial intelligence within 5 minutes. Link your QuickBooks, bank accounts, and CRM — Latch reads everything automatically from there. No manual entry. No setup calls required. Enterprise includes white-glove implementation handled by a dedicated team over 2-4 weeks, including custom integrations, chart of accounts mapping, and custom report builds.

What if Latch doesn't work for my business?

Every Pro plan comes with a 14-day free trial. If Latch doesn't pay for itself in your first month, we'll give you two more months free. No long-term contracts on Pro.

How is Latch different from QuickBooks or a bookkeeper?

QuickBooks stores your data. A bookkeeper enters it. Neither tells you what to do with it. Latch is trained on trades — it knows job costing, burden rates, change orders, WIP, and bid-to-actual variance the way a real contractor CFO would. It runs the work of a full-time CFO and controller, 24/7, and tells you what to do by text. Handles the routine stuff automatically. Flags anything risky or unclear instantly with numbers and recommended action.

Your new AI controller. On call 24/7, 365.

Latch Controller runs your financial back office — month-end close, WIP, billings, AP, AR, cash, and compliance — on top of QuickBooks and the systems you already use. It reconciles every number against every source, surfaces what's wrong before you do, and answers any question in plain English. Fully live in 30 days.

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Ask anything. Get a real answer.

Cash position, job margin, WIP, 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, reconciled.

Latch reads QuickBooks, your bank, CRM, payroll, and billing inbox and checks each figure against every source. Discrepancies surface the day they happen — not at month-end.

Problems surface before they cost you.

Aging receivables, slipping job margins, cash gaps, unbilled change orders — flagged 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-app, around the clock. Cash, margin, WIP, AR, AP, job P&L, scenario modeling — answered in plain English from your live numbers. A native engine built for construction finance, not a chatbot wrapped around your data.

AP & AR Intelligence

What to pay, what to hold, who owes you — ranked against your live cash position. Vendor bills land in your inbox, get extracted, and match to QuickBooks. Receivables ranked by risk and days past due, with a daily collections list.

13-Week Cash Forecast

A rolling weekly projection built from live AP, AR, and revenue. Low-cash weeks flagged early. Model a new crew, a large job, or a change to your draw schedule against real numbers before you commit.

WIP & job margin

Over/under billing, cost-to-complete, and margin by job and phase — current and trended. Margin moving the wrong way gets flagged with the cost driver behind it.

Financial scan & spend

A continuous watch for duplicate payments, vendor price creep, miscoded job costs, and out-of-policy spend — plus vendor and category trend reporting.

Close, reports & alerts

Month-end close run and reconciled. Board- and lender-ready reporting generated on schedule. Real-time alerts when cash drops, invoices age, or a change order goes unbilled.

Every answer, end to end

Ask Latch a financial 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 data. No fabricated numbers. No vague hedging. If something isn't connected, 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 extracted, and match to QuickBooks automatically. On the AR side, every open receivable is ranked by risk and days past due, 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.

A team of clerks that never clocks out

Latch Controller runs as a set of specialized agents. Each one owns a piece of the back office, and each works from the same reconciled model of your business — so nothing falls between systems.

See the cash gap months before it hits.

Latch maintains a rolling 13-week cash forecast from live AP, AR, and revenue — updated continuously and on demand. Low-cash weeks are flagged early, so payroll and draws stop being a guess. When a decision is on the table — a new crew, a large job, a change in draw timing — model it against your real numbers and see the week-by-week cash impact before you sign.

Compare features

Every feature, side by side.

The Controller

Latch AIAsk anything 24/7, in-app or by text

The Latch OntologyJobs, change orders, commitments, vendors, invoices, entities — one model

Continuous reconciliationEvery number checked across every source

QuickBooks Online connectionNative, read-first — QBO stays your book of record

Bank & card connectionsPlaid, read-only

5 bank + 5 cards

+Unlimited

Human-in-the-loop approvalEvery sensitive action waits for your sign-off

Full audit logEvery action recorded and traceable

Financials & intelligence pages

Executive SummaryCash, revenue, margins, AR, AP at a glance

P&L SummaryAny period, with AI commentary

Balance SheetLive, any period, CPA-ready

Cash Flow SummaryOperating, investing, financing

Revenue MixBy service line, customer, period

AP IntelligenceBills due, pay priority, billing inbox sync

AR IntelligenceAging, collections priority, payment patterns

Financial ScanFraud, duplicates, vendor price creep, waste

Overhead & Break-EvenFixed cost analysis, break-even revenue

Cash Forecast13-week rolling, updated every week

Spend ReportsVendor spend, trends, anomalies

Job P&LReal-time profitability per job

Entities & LocationsMulti-entity switcher with consolidated views

Up to 5 locations

+Unlimited entities & locations

Statements & DocumentsEvery report auto-archived, downloadable anytime

Latch Close

Automated month-end closeThe close runs itself, days not weeks

Close reconciliationQBO, bank, and CRM tied out before sign-off

Close checklist & sign-offStatus tracked, exceptions surfaced, approval gated

Multi-entity close & consolidationIntercompany eliminations across entities

Latch Autopilot & agents

Autonomous task executionCarries work to completion, scheduled or triggered

Approve-before-executeNothing sensitive moves without your say-so

Change Order ClerkPrices change orders, updates the budget

AP ClerkBills triaged, pay priority, duplicate detection

Billings ClerkCompleted work billed, gaps flagged

Collections ClerkWho to chase, when, and why

Cash Forecaster13-week forward projection, AR/AP/pipeline modeled

WIP AnalystPercentage of completion, over/under billings

Compliance ClerkLien waivers, insurance, document tracking

Receipt Capture ClerkSnap a receipt by text, coded to the job

Latch AI capabilities

Live cash positionAvailable balance across all accounts, every time you ask

Payroll coverage checkCan we make payroll? Answered with bills factored in

Transaction searchFind any payment, vendor, or charge instantly

Burn rate & spending patterns90-day breakdown by category

P&L analysisAny period, vs prior month or year

Margin analysisGross margin, drivers, dollar impact

AR & collections priorityWho to call, who's breaking their payment pattern

AP pay priorityPay now vs hold, early-pay discount detection

Revenue anomaly detectionProactive alerts on revenue drops & patterns

Duplicate payment detectionSame vendor, same amount, within 14 days

Service line analysisWhich work types make the most money

Scenario modelingModel a hire, a truck, a new crew against cash

Multi-period COGS trend3 to 12-month margin direction with dollar impact

13-week cash forecastForward projection with AR/AP/pipeline modeled

CRM job & pipeline intelligenceActive jobs, backlog, weighted pipeline value

Billing gap detectionCompleted jobs without invoices flagged automatically

Budget vs actualLive tracking against your budget sheet

Bid-to-actual varianceEstimated vs actual by category, per job

Spend intelligenceTop vendors, price creep, category shifts

Marketing & sales KPIsCAC, cost per lead, rep performance

Job-level profitability detailPer-job margin, costs, completion tracking

PE & banking-ready intelligenceEBITDA, DSCR, DSO/DPO, QoE-style add-backs

WIP reportingBonding & surety formatted

Cross-entity portfolio intelligenceConsolidated reporting across multiple businesses

Alerts & monitoring

Daily BriefingCash, exceptions, and one action item each morning

Real-time exception alertsAnomalies, duplicates, and price creep flagged as they happen

3-channel deliverySMS, email, and Slack — independently toggled

Collections action listWeekly, prioritized by who to chase

Reports & delivery

Total report libraryAvailable reports you can turn on

56 reports

+Custom catalog

On-demand reportsGenerated instantly when you ask Latch

20 / month

Unlimited

Monday PulseWeekly snapshot — RCS + branded PDF, every Monday 9 AM

Monthly Report PackageP&L, balance sheet, cash flow, AR/AP, spend — first Monday

AI commentary on every reportDiagnostic narrative, not just numbers

Cash Position SummaryAll accounts, week-over-week change

AR Aging & AP Aging Reports

Financial Scan SummaryFraud, duplicate, anomaly findings

Working Capital & Overhead Analysis

Net Income BridgePlain-English waterfall of what changed

13-Week Cash Forecast Report

Job Budget Alert SummaryEvery active job vs budget, flagged

Multi-Period Margin Trend3 & 6-month trend, dollar impact per point

Budget vs Actual Report

Service Line & Location P&L

Job Profitability BoardEvery closed job ranked by margin

Vendor Spend & Price Creep Reports

Management SummaryCFO-level narrative every month

Adjusted EBITDA & QoE-style Reports

WIP Schedule & Bonding-Formatted Reports

Certified Payroll & Prevailing Wage Tracking

Customer Concentration & Risk Reports

Board-Ready Executive Summary

Integrations

QuickBooks OnlineNative OAuth — the source of truth for your books

Bank & CardsPlaid, read-only

Billing InboxGmail or Microsoft Outlook

Field Service CRMsJobber, ServiceTitan, Housecall Pro, FieldPulse, ServiceFusion, GoHighLevel

Roofing & Restoration CRMsAccuLynx, Roofr, JobNimbus, Leap, Proline, Hover

Construction CRMsBuildertrend, JobTread, Procore, CompanyCam, Xactimate, EagleView

Sales CRMsHubSpot, Salesforce, Zoho, MarketSharp

PayrollGusto, ADP, Paychex, Rippling, QuickBooks Payroll

Spend ManagementRamp, BILL, Coast Pay, Expensify

Budget SheetsGoogle Sheets or Excel — connect your own budget

ProductivityGoogle Drive, Docs, Slack, OneDrive, SharePoint

Seats, security & support

Included user seats

3 users

+8 users

Maximum user seats

Up to 5

+Up to 20

Custom user permissionsPage-by-page & report-by-report access control

Field roleReceipt capture via SMS, no app access

Multi-entitySeparate books, one consolidated picture

Data securityCredentials never touch the model; your data never trains it

Onboarding callLive setup with the Latch team

Priority support

Dedicated account manager

Custom SLA

Implementation teamWhite-glove onboarding to your stack

M&A & QoE supportDiligence-ready financials and add-back schedules

Book a demo

Live in 30 days, not twelve months.

Connect Your Stack

QuickBooks, bank, CRM, payroll, billing inbox. Read-only to start. No data migration, no rip-and-replace.

Latch reconciles and learns

Within days, your numbers are unified and reconciled. The agents go to work, and insights and alerts begin to surface.

You stay in command

Ask anything, anytime. Latch proposes; 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. No demo call needed. No sales pitch. Just your numbers.

Get a demo

Introducing Latch V2 — Your AI CFO.

Introducing Latch V2 — Your AI CFO.

Your new AI controller. On call 24/7, 365.