Customer Discovery · Week 1 complete · Active outreach underway · May 2026

Your Finance Team.
Without the Hire.

We're building autonomous AI agents that forecast your cash flow, chase late invoices, and optimize payments — 24/7, at a fraction of the cost of a finance hire.

Right now, we're in discovery. Your pain points shape what we build.

See What We're Building → Book a Research Call
🧭

We're in customer discovery — talking directly to US small business owners before writing a single line of code. Book a 20-minute research call to shape what we build and lock in founding pricing.

Stage 1 · Now
Customer Discovery
Apr – May 2026
Live
Stage 2–3
Build & Launch
Jun – Nov 2026
Stage 4–5
AI Agents
Dec 2026 – May 2027
Roadmap
Stage 6
Autonomous GA
Mid 2027
Roadmap
The Problem We're Solving

82% of small businesses fail
because of cash flow.

Not bad products. Not lack of customers. Cash flow mismanagement — and no affordable tools to fix it.

💸

Finance expertise is unaffordable

A part-time controller costs $60K–$90K/yr. A fractional CFO runs $120K+. Most SMBs under $5M can't justify it.

⏰

Founders spend 20 hrs/week on finance admin

Chasing invoices, updating spreadsheets, reconciling accounts — time that should go into growing the business.

🔧

Three tools that don't talk to each other

Float for forecasting, Bill.com for AP, spreadsheets for AR. No coordination, no shared context, three subscriptions.

🏢

Enterprise AI built for Fortune 2000, not you

HighRadius charges $50K–$500K/yr with 6-month implementations. The gap between QuickBooks and enterprise has no solution.

2.4M
US businesses ($500K–$10M revenue) stuck between basic accounting tools and unaffordable enterprise software

"I'm spending my Sunday nights manually updating cash flow spreadsheets. There has to be a better way."

— SMB owner, $2.1M manufacturing business, NJ · validated pain point

"I missed an early-pay discount worth $8K last year because no one flagged it. A controller would have caught it."

— Founder, $3.4M services business, TX · validated use case
Where We're Headed

One platform.
Fully autonomous finance.

We're not building better software. We're building AI agents that act — replacing $120K finance hires at 90%+ cost savings.

01
📊

Cash Flow Forecasting

90-day ML-powered rolling forecast with scenario modeling. Know your runway before it's a crisis.

Year 1 · Essential
02
📬

AR & Collections

Automated invoice tracking, intelligent reminder sequences, and payment links. Get paid 35% faster.

Year 1 · Essential
03
💳

Payment Optimization

Capture early-pay discounts, avoid late fees, and time payments to protect your cash reserves.

Year 1 · Essential
04
🤖

7 AI Agents — Assisted Mode

Every agent analyzes, recommends, and drafts — you review and approve all actions before they execute. Approve from anywhere via native iOS & Android apps.

Intelligent Tier · Phase 4 · 2027
05
⚡

Full Autonomous Execution

Agents execute overnight with safety controls you define. Crisis Prevention coordinates all agents to resolve cash shortfalls before you wake up.

Autonomous Tier · Phase 5 · 2027
06
📈

Data Network Effects

Every customer's interactions make the agents smarter for everyone. The platform improves continuously — creating a compounding advantage that grows over time.

Grows over time · Compounding moat
The AI Agents

7 agents. One finance team.

Each agent is specialized, context-aware, and learns from your business patterns. Launching progressively across three tiers.

📊

Cash Flow Analyst

90-day rolling forecast, runway calculator, scenario modeling. Detects crises 15+ days ahead with a plan to resolve them.

Phase 4 · Intelligent
💬

Natural Language Interface

Ask any finance question in plain English. "What if my largest client goes net-60?" — answered in seconds with context.

Phase 4 · Intelligent
🔁

Reconciliation Agent

Auto-matches transactions across QuickBooks and bank feeds. 95%+ match accuracy, flags exceptions for human review.

Phase 4 · Intelligent
📨

Collections Manager

Manages the full AR cycle autonomously — personalized reminders, payment plans, escalations. 1.5× faster payment collection.

Phase 4 · Intelligent
⚡

Payment Optimizer

Captures early-pay discounts, times bill payments to protect cash, avoids late fees. Target: ≥$300/month saved per customer.

Phase 4 · Intelligent
🤝

Vendor Negotiator

Drafts and sends payment extension requests with ≥70% success rate, using relationship history and cash position context.

Phase 4 · Intelligent
🛡️

Crisis Prevention

The orchestrator. Coordinates all agents overnight during cash emergencies — detects, plans, and executes resolution before you wake up.

Phase 4 · Intelligent
📱

Approve actions via
iOS & Android app
Phase 4–5 · 2027

How We Build It

Purpose-built.
Not repurposed.

Quarynt is designed from the ground up for autonomous finance operations — not adapted from generic workflow tools or enterprise software.

🤖

Agentic AI Core

Seven specialized AI agents that reason, coordinate, and act — not just analyse. Built on the latest frontier AI models, optimised for cost and speed at SMB scale.

🔌

Native Integrations

Deep two-way connections to QuickBooks, Xero, your bank, and payment tools. Agents share a single integration layer — data flows once, used everywhere.

🧠

Customer Memory

Every interaction builds a persistent memory of your business — payment patterns, vendor relationships, seasonal rhythms. Agents get smarter the longer you use them.

🛡️

Safety by Design

Every autonomous action has a configurable threshold, a complete audit trail, and a rollback window. You set the rules. Agents operate within them. Zero unintended actions.

📱

Web, Mobile & Cloud

Full-featured web dashboard, plus native iOS & Android apps (launching with Intelligent Tier). Approve agent actions via biometric authentication from anywhere. Built on Google Cloud Platform — enterprise-grade infrastructure from day one.

🔒

Bank-Grade Security

Encrypted data at rest and in transit. We never store your credentials — bank-grade OAuth connections only. SOC 2 compliance on our roadmap from day one.

Build Roadmap

Transparent about
where we are.

We believe in building in public. Here's exactly what we're doing and when.

Phase 1 · Now
Apr – May 2026
In Progress

Customer Discovery

Structured interviews with US SMB owners ($500K–$10M revenue) across services, agencies, e-commerce, and manufacturing. Week 1 infrastructure complete. Active outreach and interviews through May 2026.

In-depth customer interviews underway
Indicative pricing validated: $299 / $899 / $1,299
Feature priority ranking
Founding customer letters of intent
Accounting firm partnerships initiated
Phase 2
Jun – Aug 2026
Next Up

Essential MVP — Build on GCP

Building the Essential tier informed directly by discovery findings. Native Google Cloud infrastructure from day one. Every feature validated with founding customers before it ships. Mobile-responsive web app (PWA) at launch.

QuickBooks & Xero integration
90-day ML-powered cash flow forecasting
Automated AR reminders & payment links
AP calendar & payment scheduling
Real-time dashboard & weekly digest email
Mobile-responsive PWA (installable on iOS & Android)
Phase 3
Sep – Nov 2026
Roadmap

Essential Tier — Public Launch & Growth

Controlled public launch. Founding customers go live first, followed by broader access. Accounting firm channel active. Intensive support and rapid iteration to achieve strong product-market fit before scaling.

Essential tier available at $299/mo (monthly, quarterly, annual)
Founding customer onboarding priority
Accounting firm referral channel live
Security compliance programme begins
QuickBooks App Marketplace listing initiated
Phase 4
Dec 2026 – May 2027
Roadmap

AI Agents — Intelligent Tier

All 7 AI agents built and launched in three progressive waves on an enterprise-grade agentic AI platform. Agents start in read-only mode, then gain the ability to draft and recommend actions, with your approval required throughout. Native iOS & Android apps launch alongside Intelligent Tier GA.

Wave 1 (Dec–Feb): Cash Flow Analyst, Natural Language Interface, Reconciliation Agent
Wave 2 (Mar–Apr): Collections Manager, Payment Optimizer, Vendor Negotiator
Wave 3 (May): Crisis Prevention orchestrator
Native iOS + Android apps — GA with Intelligent Tier
Intelligent Tier live at $899/mo
Phase 5
Jun – Sep 2027
Roadmap

Autonomous Tier — Full Execution

Per-agent autonomous execution unlocked progressively with biometric approval flows on mobile. Each agent operates independently within thresholds you set. The full vision — a finance team that works while you sleep.

Autonomous execution mode per agent
Configurable per-action dollar thresholds
Biometric approval on iOS & Android
Complete audit log with rollback on every action
Autonomous Tier live at $1,299/mo
International expansion preparation
The Founder

Built by someone who's
seen the gap firsthand.

Rajesh Venkataramani — Founder, CEO & Principal Architect, Quarynt
Rajesh Venkataramani
Founder, CEO & Principal Architect
✉ Email in LinkedIn

Two decades building and scaling technology at ZS Associates, Hitachi, and HP — leading global engineering teams and delivering AI, cloud, and SaaS platforms across Financial Services, Healthcare, Retail, E-Commerce, Hi-Tech, and Manufacturing, for enterprises and startups alike.

I've sat in rooms where finance intelligence was taken for granted — sophisticated forecasting, autonomous operations, real-time decisions — all available to organisations with the budget and headcount to support it.

Smaller, growing businesses deserve the same — at a price that works for them. Quarynt is built to make that possible.

Book a Research Call → General Enquiries
Market Validation

The opportunity is well documented.

We didn't invent the problem. The data has been pointing at this gap for years.

82%
of SMB failures caused by cash flow mismanagement — not bad products or lack of customers
US Bank / Jessie Hagen study
2.4M
US businesses in the $500K–$10M revenue band — too big for spreadsheets, priced out of enterprise software
US Census Bureau, SBA data
$12B
total addressable market for SMB finance automation, growing at 16% CAGR — with no autonomous AI competitor today
IDC / Gartner market research
85%
of SMB owners are enthusiastic about AI tools for their business — up from 54% just two years ago
BILL SMB survey, 2024
$120K
average cost of a finance controller hire — a role most SMBs need but cannot justify at this price
Bureau of Labor Statistics, 2024
0
direct competitors offering autonomous AI finance agents built for SMBs — HighRadius serves Fortune 2000 only
Quarynt competitive analysis, 2026
38%
of finance leaders plan to adopt agentic AI in the next 12 months — the market is moving now, not in 3 years
Fintechnews survey, 2025
16%
CAGR for SMB finance automation — the $12B TAM doubles by 2030, with no SMB-native agentic AI player today
IDC market research, 2025
Founding Customer Program

Shape the product.
Lock in founding pricing.

We're accepting a limited number of founding customers who get direct input into what we build — and pricing locked for life.

Right Now · Discovery Phase

Founding Customer Program

30-min
conversation
with the founder — no pitch, no obligation
Founding pricing locked before launch

We're interviewing US business owners before writing a single line of code. Your input directly shapes what we build — and founding customers get pricing locked permanently. Click below to book a 20-minute call.

  • 20-minute call about your current finance workflow
  • Your pain points shape our feature priorities
  • Essential tier pricing locked at $299/mo forever
  • First access when we launch (Aug 2026 target)
  • Direct founder access throughout beta
  • Intelligent tier early access at $899/mo (May 2027)
  • Input into agent design — you tell us what to automate
🔒 No payment now. Founding price locked on first invoice at launch.
Reserve Your Spot →
Launch Aug 2026 · Essential Foundation

Essential Foundation

$299
/ month · Quarterly: $269/mo (10% off) · Annual: $239/mo (20% off)

Replace Float + Bill.com with a unified platform. Save ~$20K/year, recover 8 hrs/week. Built on QuickBooks, Xero, and Plaid.

  • 90-day ML-powered cash flow forecast
  • AR automation + Stripe payment links
  • AP calendar + payment scheduling
  • Real-time dashboard + anomaly alerts
  • Up to 500 invoices/month · 3 users
Reserve Founding Spot →
Phase 4 · 2027 · Intelligent Advisor

Intelligent AI

$899
/ month · Annual: $719/mo (20% off)

All 7 AI agents in assisted mode — they analyze, recommend, and draft. You review and approve every action. Save 15 hrs/week.

  • All 7 AI agents (assisted mode)
  • Natural language finance queries
  • Collections Manager + Vendor Negotiator
  • Crisis Prevention (15-day advance detection)
  • Up to 500 invoices · 5 users · Priority support
Express Interest →
Phase 5 · 2027 · Autonomous Autopilot

Autonomous

$1,299
/ month · Annual: $1,039/mo (20% off)

All 7 agents execute autonomously with configurable safety thresholds. Crisis Prevention coordinates overnight. Replaces a $120K–$180K controller at ~$16K/yr. Save 25 hrs/week.

  • All 7 agents — autonomous execution mode
  • Per-agent, per-action autonomy controls
  • Audit log + rollback on every action
  • Unlimited invoices · 10 users · 2-hr support
  • Dedicated CSM + monthly strategic review
Express Interest →

No payment required now · Founding pricing locked on first invoice when product launches · No commitment to continue

Planned Integrations

Works with the tools
you already use.

No migration required. Connect in minutes, not months.

QuickBooks Online
Xero
Plaid (Banking)
Stripe
Bill.com
Gmail / Outlook
Gusto
Questions

Honest answers about where we are.

Is the product available now?
+
Not yet — and we want to be upfront about that. We're in customer discovery right now (Apr–May 2026), talking to US business owners before writing any code. Development starts June 2026, with a public launch targeted for September 2026. Founding customers who book a research call now get pricing locked at $299/mo before we open publicly.
What does the "Founding Customer Program" actually mean?
+
It means two things: (1) You get a 20-minute call with our founder to share your current finance workflow and pain points — your input directly shapes what we build. (2) Your pricing is locked at founding rates permanently, even as we add features and raise prices for new customers. No payment is required until the product is ready.
What businesses is Quarynt being built for?
+
US small and mid-sized businesses with $500K–$10M in annual revenue. Service businesses, agencies, light manufacturing, e-commerce, and professional services are the strongest fit. The common thread: you're too big for spreadsheets and QuickBooks alone, but too small (or too lean) to justify a finance hire.
Why build this now? Why you?
+
Enterprise finance AI just validated the concept — HighRadius processes $10 trillion/year for Fortune 2000. LLM API costs have dropped 90%+ in two years, making autonomous AI economically viable for SMBs for the first time. There's a 12–18 month window before well-funded competitors enter this market. We're moving now, and building it right — by talking to real businesses first.
Will my financial data be secure?
+
Security is built into the architecture from day one — not added later. We use industry-standard encryption in transit and at rest, bank-grade OAuth connections so we never store your credentials, and we're building toward SOC 2 compliance from the start. We will never sell or share your data with third parties.
I'm an accounting firm. Can we partner?
+
Absolutely — accounting firm partnerships are central to how we plan to reach clients. We're designing a partner program that gives your clients access to Quarynt and rewards you with revenue sharing for referrals. If you're interested in being a founding partner, reach out directly.
Get Involved

Help us build the finance tool
you actually need.

20 minutes with you shapes what we build — and locks in founding pricing for life. No pitch. No pressure. Just a conversation about your business.

Book a Research Call → Join the Waitlist

Booking link: calendar.app.google/SDh3RSz1HYwM2FhCA  ·  Or email hello@quarynt.com