Built the way a fractional CFO would build it for a client.

Platform20 was built on a simple observation: the financial tools that actually move the needle for a business — real-time cash flow visibility, accurate cost allocation, compliance tracking, burn discipline — have historically lived behind enterprise software price tags, built for finance teams that most small and midsize businesses simply don't have.

We set out to close that gap. Every tool in the Platform20 library is designed the way a fractional CFO would build it for a client: grounded in the same financial logic used at the enterprise level, but built as a single, self-contained spreadsheet an owner or operator can put to work in minutes — no onboarding call, no monthly subscription, no learning curve.

Our focus stays deliberately narrow: the financial fundamentals that determine whether a business survives its first hard quarter and grows into its next stage. Cash flow forecasting. Budget discipline. Collections and payables. Tax and compliance thresholds that change from one year to the next. Burn rate and runway. These aren't abstractions — they're the specific, recurring decisions that separate businesses that compound over time from those that stall out on a preventable cash gap.

Platform20 exists for the operator who's serious about the financial side of the business but doesn't have a finance department to lean on yet. Our tools are built to shorten that distance — one clear, well-built spreadsheet at a time.