COFINA INC.
- Company typePrivate
- Founded2025
- HeadquartersPalo Alto, United States
- Headcount1–10
- GTM typeB2B
- OfferingSoftware
What COFINA INC. does
CoFina Inc. (legal entity CoFina.ai, Inc.) is an AI-powered financial intelligence platform headquartered at 299 California Avenue, Suite 300, Palo Alto, CA. The company builds software that connects to a startup's banking, ERP, HRIS, CRM, payroll, and expense systems to deliver real-time cash, burn, and runway visibility, automated variance detection, predictive forecasting, and investor-ready document organization. Its product suite comprises four integrated modules: Ask Fina (a natural-language AI finance partner using a Gather–Clarify–Analyze–Recommend–Refine framework), Dashboard (live financial command center), Smart DataRoom (semantic search and cross-document synthesis across investor materials), and Routines (autonomous scheduled workflows such as weekly cash monitoring and monthly vendor spend analysis). The underlying technology integrates 14+ native connectors (QuickBooks, Xero, Mercury, Rippling, Ramp, Brex, Stripe, HubSpot, Gusto, NetSuite, Airwallex, Deel, Expensify, Wisdom) and is SOC 2 Type I certified.
CoFina serves startup founders — explicitly segmenting Early Startups (without dedicated finance teams) and Series A & B Companies (scaling spend and headcount) — and prices the platform through four SaaS tiers: Starter ($99/month), Growth ($499/month), AI CFO ($999/month), and AI CFO Max ($1,499/month, including dedicated human CFO access). Annual billing carries a 17% discount, and all plans include a 14-day free trial with upgrade/downgrade flexibility. The company pursues a hybrid go-to-market motion: a product-led self-serve funnel for SMB/individual founders, supplemented by a CEO-led enterprise sales motion (demo bookings) for higher-touch accounts. Marketing is content-driven, anchored by an SEO-optimized blog, founder-finance glossary, and educational guides targeting startup finance keywords.
The company is privately held, led by CEO Claire Zhang and CTO William Diaz, with no disclosed funding rounds, parent entity, or institutional investors in the source material. CoFina officially launched its platform in January 2026, achieved SOC 2 Type I certification at launch, and was publicly recognized as a leading AI CFO solution for early-stage startups in 2026 comparative analysis. The firm is actively hiring across engineering, product design, and customer success roles, consistent with an early-stage growth posture.
COFINA INC. firmographics
Firmographics- Name
- COFINA INC.
- Legal name
- CoFina.ai, Inc.
- Website
- https://cofina.ai
- Company type
- Private
- Founded year
- 2025
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Ownership category
- akta.pro rank
COFINA INC. industry classification
Industry- Product category
- AI Financial Intelligence Software for Startups
- NAICS
- Software Publishers (513210), Management Consulting Services (54161)
- SIC
- Services-Prepackaged Software (7372), Finance Services (6199), Services-Management Consulting Services (8742)
- akta.pro primary industry
- Outsourced Finance & CFO Services (BPAHABAE)
- akta.pro secondary industry
- Risk, Controls & Governance (GRC) Platforms (FSAFAOAG)
Keywords
Where COFINA INC. is headquartered
LocationHeadquarters
- HQ city
- Palo Alto
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
COFINA INC. business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure
Revenue model
- SaaS Subscription - Starter Plan: Entry-level subscription providing AI-powered financial analysis, basic charts, dashboards, PDF reports, AI dataroom (2 GB), and up to 2 integrations. Targets early-stage founders exploring financial intelligence.
- SaaS Subscription - Growth Plan: Mid-tier subscription adding spend alerts, change detection, investor-ready exports (Excel, Word, PowerPoint), email integration, custom branding, priority support, up to 5 integrations, extended AI usage, and 10 GB smart dataroom. Targets growing startups preparing for fundraising.
- SaaS Subscription - AI CFO Plan: Premium subscription with automated ML/data analysis, risk-adjusted decision matrices, forecasting, scenario modeling, budget vs actuals, live metrics, real-time alerts, collaboration tools, dedicated Slack support, unlimited integrations, and 100 GB dataroom. Represents core AI CFO value proposition.
- SaaS Subscription - AI CFO Max Plan: Top-tier subscription combining all AI CFO features with dedicated human CFO access, 24/7 human support, monthly model reviews, strategy sessions, and fundraising polish. Premium human + AI hybrid offering.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Analysis and organization for early founders exploring their numbers |
| Subscription | Monthly | End-to-end delivery of investor-ready materials for growing teams |
| Subscription | Monthly | Proactive financial insight and CFO-level guidance, delivered in an automated platform |
| Subscription | Monthly | Everything in AI CFO, plus a real human CFO on call |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels7 records
COFINA INC. product offering
Product offeringCore offering
CoFina sells a SaaS AI CFO platform for startup founders that integrates with their banking, ERP, HRIS, and CRM systems to deliver real-time cash, burn, and runway visibility, automated variance detection, predictive scenario modeling, and an investor-ready smart data room. The offering is delivered through four core products — Ask Fina, Dashboard, Smart DataRoom, and Routines — sold as monthly subscriptions ranging from $99 to $1,499, with the top tier adding dedicated human CFO support.
Product overview
CoFina is an AI CFO platform for startup founders, consisting of four integrated products: Ask Fina (natural language AI finance Q&A), Dashboard (real-time financial visibility and metrics), Smart DataRoom (automated investor document management), and Routines (autonomous financial workflow automation). The platform is offered through four pricing tiers (Starter at $99/mo, Growth at $499/mo, AI CFO at $999/mo, and AI CFO Max at $1,499/mo with human CFO access). Products integrate with popular business tools including QuickBooks, Xero, Mercury, Rippling, Ramp, Brex, Stripe, HubSpot, Gusto, NetSuite, Airwallex, Deel, and Expensify.
Differentiator
Problem solved
Functional benefit
Brands
- Ask Fina: AI-powered natural language query interface for financial data
- Dashboard (VENTURE CLARITY)
- Smart DataRoom (THE VAULT)
- Routines (AUTONOMOUS FINANCE)
Products and services
- Ask Fina AI-powered natural-language finance partner that lets founders ask business questions in plain English and receive precise, data-backed answers grounded in live financial data from connected banking, accounting, payroll, and CRM systems.
- Dashboard (Venture Clarity) Real-time financial command center displaying cash position, burn rate, runway, net cash, and expense breakdowns by category with period-over-period variance analysis and automated detection of meaningful changes.
- Smart DataRoom (The Vault) AI-powered investor-ready document vault that automatically classifies and structures financial documents, maintains version control, and supports semantic search and cross-document synthesis for due diligence readiness.
- Routines (Autonomous Finance) Scheduled autonomous financial workflows that run cash monitoring, vendor spend analysis, investor updates, runway threshold alerts, and revenue vs plan alerts on configured schedules without manual intervention.
Quantifiable outcome
- 20 hours monthly savings vs spreadsheet-based financial management
- +3 more outcomes
Companies that use COFINA INC.
Customer profileNamed customers2 records
Segments3 records
Ideal customer profiles3 records
COFINA INC. technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration14 records
AI capability11 records
Feature6 records
COFINA INC. partnerships and signals
Strategic signalPartnerships
14 partnerships are on record, tiered core.
- QuickBookscoreQuickBooks integration allows CoFina to read financial data including transactions, invoices, and ledgers for real-time burn analysis and reporting.
- XerocoreXero accounting integration for pulling financial data, transaction history, and generating financial reports within CoFina.
- MercurycoreMercury banking integration provides real-time cash balance data and transaction feeds for runway monitoring.
- RipplingcoreRippling HRIS integration for payroll and headcount data to track hiring impact on burn and runway.
- RampcoreRamp expense management integration for automated spend categorization and burn rate tracking.
- BrexcoreBrex corporate card integration for tracking spending patterns and expense analysis.
- StripecoreStripe integration for revenue data, subscription metrics, and cash flow analysis.
- HubSpotcoreHubSpot CRM integration for connecting revenue pipeline data with financial metrics.
- GustocoreGusto payroll integration for accurate headcount tracking, salary data, and burn rate calculation.
- NetSuitecoreNetSuite ERP integration for enterprise-level financial data, ledgers, and reporting.
- AirwallexcoreAirwallex banking and expense integration for international cash management and spending tracking.
- DeelcoreDeel contractor and payroll integration for managing global contractor payments and compliance.
- ExpensifycoreExpensify expense reporting integration for automated receipt processing and spend categorization.
- WisdomcoreWisdom integration for additional financial data connectivity and expense tracking.
Scale indicators4 records
Recent moves6 records
Expansion highlights5 records
COFINA INC. competitors and assessment
Company assessmentDirect peers
- Fathom: Fathom provides financial analysis, reporting, and forecasting software for SMEs and startups. Direct competitor in FP&A and financial intelligence, particularly strong in the Xero ecosystem.
- LiveFlow: LiveFlow connects QuickBooks/Xero to Google Sheets/Looker for real-time financial reporting and dashboards for startups. Competes in the financial intelligence and reporting space with similar founder/finance team target market.
- Bench: Bench offers online bookkeeping and financial reporting for small businesses and startups. Competes in the outsourced finance services category with similar founder-focused positioning and AI-enhanced workflows.
- Mosaic.tech: Mosaic provides strategic finance and FP&A software for SaaS startups, including metrics tracking, board reporting, and scenario modeling. Directly competes with CoFina's Dashboard and scenario modeling capabilities.
- Numeric: Numeric is an AI-powered accounting and financial close platform that automates month-end close for startups and growth companies. Direct competitor in AI-native financial intelligence for venture-backed startups.
- Pilot.com: Pilot.com provides bookkeeping, tax, and CFO services for startups, combining human expertise with software tooling. Direct competitor in the outsourced finance/CFO space with similar target market of startup founders.
Broad incumbents
- NetSuite (Oracle): NetSuite provides cloud ERP with financial management, reporting, and analytics for growing companies. Larger incumbent with broader ERP scope; competes at the upper end of CoFina's market as startups scale.
- QuickBooks Live: QuickBooks Live (Intuit) combines bookkeeping software with human bookkeeper support for small businesses. Broader incumbent with established brand and integrated accounting platform that CoFina integrates with rather than competes with directly.
- Brex: Brex offers corporate cards, expense management, and increasingly financial intelligence/bill pay for startups. Adjacent incumbent with overlapping customer base that may expand into CFO-adjacent features.
Emerging players
- Bookkeep.com: Bookkeep automates e-commerce accounting and financial data syncing for SMBs. Emerging player in financial automation that overlaps with CoFina's integration and automation capabilities but focuses on different verticals.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks5 records
Key highlights6 records
Customer concentration
COFINA INC. social profiles
Digital presenceCOFINA INC. compliance and trust
Trust signalCompliance1 record
COFINA INC. financial estimates
Financial estimateRevenue estimate
Valuation estimate
COFINA INC. leadership team
Management profileNumber of profiles
Profiles2 records
COFINA INC. funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
COFINA INC. M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about COFINA INC.
What does COFINA INC. do?
CoFina sells a SaaS AI CFO platform for startup founders that integrates with their banking, ERP, HRIS, and CRM systems to deliver real-time cash, burn, and runway visibility, automated variance detection, predictive scenario modeling, and an investor-ready smart data room. The offering is delivered through four core products — Ask Fina, Dashboard, Smart DataRoom, and Routines — sold as monthly subscriptions ranging from $99 to $1,499, with the top tier adding dedicated human CFO support.
Is COFINA INC. a public or private company?
COFINA INC. is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was COFINA INC. founded?
COFINA INC. was founded in 2025. It employs 1 to 10 people.
Where is COFINA INC. based?
COFINA INC. is headquartered in Palo Alto, United States, in the North America region.
How does COFINA INC. make money?
Four revenue lines are on record. SaaS Subscription - Starter Plan is the primary driver. The others are saaS Subscription - Growth Plan, saaS Subscription - AI CFO Plan and saaS Subscription - AI CFO Max Plan.
Who are COFINA INC.'s main competitors?
Direct peers on record are Fathom, LiveFlow, Bench, Mosaic.tech, Numeric and Pilot.com. Broad incumbents are NetSuite (Oracle), QuickBooks Live and Brex. Bookkeep.com is listed as an emerging player.
Does COFINA INC. have an API?
No public API is recorded for COFINA INC..
What industry is COFINA INC. in?
COFINA INC.'s product category is AI Financial Intelligence Software for Startups. Its primary akta.pro industry code is BPAHABAE, Outsourced Finance & CFO Services, with a secondary code of FSAFAOAG, Risk, Controls & Governance (GRC) Platforms. Its NAICS code is 513210 and its SIC code is 7372.