Let us run your finance at goldKeel standard.

CA qualifiedBusiness thinkingAI execution

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Monthly accounts and tax filings on time
Profit analysis and cash flow visibility
Automated invoicing, collections & payments

Run AI-natively for substantial output

Enabling autonomous operations and supreme oversight

How Keel runs your finance operationsIllustrative

Autonomous operations and supreme oversight

Inputs · Integrations

Chat

Accounts

Calendar

Drive

Leads

Invoicing

Payments

AI agentsRead & Analyze

AI agentsReasoning & Action

Outputs

Invoices sent

Collections chased

Payments matched

Books reconciled

Journals posted

Financials analysed

Customers tracked

Cash flow managed

Purchases planned

Admin handled

Management oversight and control

Give me a summary of sales this month.

$412K of sales to date. Would you like a breakdown by sales group or product?

Keel's qualified staffMonitor · Human gatekeeping · Iterate and steer automation

Inputs · Integrations

ChatEmailAccountsCalendarDriveLeadsInvoicingPayments

AI agents · Read & Analyze

Keel's qualified staff

Management oversight and control

AI agents · Reasoning & Action

Outputs

Invoices sentCollections chasedPayments matchedBooks reconciledFinancials analysedCustomers trackedCash flow managedPurchases plannedAdmin handled

What we run for you

Three levels of service. Senior led, plugged into your team, on a fixed monthly fee.

01 · Accounting and administration

Monthly accounting, closed on time
GST, corporate tax and all statutory filings
Invoicing, AP, AR and bank reconciliation
Payroll and CPF

02 · Management reporting

Monthly management accounts
Cash flow reporting and planning
Project and customer profitability
Budgets and forecasts

03 · Senior finance oversight

Three-way forecasts and scenarios
Tax planning and structuring
Banking, loans and working capital
Fundraising and corporate compliance

We automate and run your workflows

AI agentHumanCustomerSystem

Keel ExpertsKeel

Keel AI SystemAI

Your humansYou

Your systemsSystems

ReadReads chat and email live.

Human triggerSomeone asks to bill.

Human triggerKeel asks to bill.

ReasonLogs, reasons on progress.

Agent triggerSees an invoice is due.

DraftInvoice drafted.

ApprovalApprover signs off.

CreateIn Xero or QuickBooks.

Invoice createdReady to send.

Draft messageMessage drafted.

CheckVerify before sending.

Send & chaseChased on timer.

Payment noticeCustomer says paid.

PaidLanded in the bank.

ReconcileRecon against invoice.

Mark paidPaid in both records.

Marked paidUpdated in your books.

Send receiptTell relevant parties.

Real-time dashboards for business oversight

Updated by AI agents as the numbers move, checked by Keel's experts.

Keel Finance

DashboardTransactionsDocumentsFlagsReports

Live · synced 2 min agoAsk Keel

Year to date · FY2026, all projects As at 5 Sep 2026 · S$ ex GST

Revenue2,184,000+11% vs last year

Gross profit631,20028.9% · plan 30%

Net profit214,7009.8% of revenue

Cash at bank486,3002 accounts · DBS, OCBC

Performance by project

Open projects · project to date · S$ ex GST

	Planned				Actual to date				Cash flow
Project	Revenue	Cost	Margin $	Margin %	Billed	Cost incurred	Profit to date	Margin %	Collected	Paid	Net cash flow	Flag
Helios	120,000	78,000	42,000	35.0%	96,400	61,300	35,100	36.4%	96,400	58,900	37,500	Clear
Northgate	140,000	98,000	42,000	30.0%	84,200	71,900	12,300	14.6%	52,000	66,400	−14,400	Margin −15.4 pts
Aurora	90,000	61,200	28,800	32.0%	73,500	49,800	23,700	32.2%	73,500	47,200	26,300	Clear
Meridian	110,000	71,500	38,500	35.0%	68,900	44,600	24,300	35.3%	21,400	41,000	−19,600	47,500 overdue 12 days
Cobalt	80,000	60,000	20,000	25.0%	52,100	41,300	10,800	20.7%	52,100	39,800	12,300	Margin −4.3 pts
Sable	60,000	45,000	15,000	25.0%	37,280	32,240	5,040	13.5%	37,280	30,100	7,180	Margin −11.5 pts
Unallocated	–	–	–	–	–	1,240	−1,240	–	–	1,240	−1,240	Needs a decision
Total	600,000	413,700	186,300	31.1%	412,380	302,380	110,000	26.7%	332,680	284,640	48,040

Month to date · September 2026

Sales closed86,0006 deals won · 36% of target

Billings58,4004 invoices · 32% of target

Cash collections41,2003 receipts · 24% of target

Payments36,90011 bills paid · 26% of plan

Flags 6

Northgate margin 14.6%Supplier cost 22% over quote.

Review

Sable margin 13.5%Material re-order not priced.

Review

Cash gap, week of 22 SepPayments 41k, receipts 28k.

Plan

Unallocated expense, 1,240Bill names two projects.

Decide

View all 6

Audit trail · Northgate

Today 09:14Bill BW-2291 8,640 to Northgate. Matched PO line 4. Auto.

Today 09:15Margin fell below 20%. Flag raised, owner notified.

YesterdayExtra scope asked in group chat. Variation drafted.

2 SepBW-2263 split 60/40 with Helios. Priya, Keel decided. Reason recorded.

Transactions

September 2026 · captured live by our AI · S$ ex GST

Date	Ref	Description	Project	Amount	Status
05 Sep	INV-2214	Progress claim 3	Helios	+24,000	Sent · due 19 Sep
05 Sep	BW-2291	Supplier bill, switchgear	Northgate	−8,640	Matched PO line 4 · auto
05 Sep	INV-2213	Deposit invoice, quote Q-118	Kestrel Foods	+18,000	Emailed · chase 12 Sep
04 Sep	RCT-1108	Receipt, claim 2	Aurora	+18,500	Matched to INV-2189
04 Sep	PAY-0871	Supplier payment run	Multiple	−23,000	Approved · Priya
03 Sep	JE-0912	Journal, stock adjustment	Sable	3,338	Awaiting review
02 Sep	BW-2263	Supplier bill, split 60/40	Helios · Northgate	−4,120	Allocated · reason recorded
02 Sep	RCT-1107	Receipt, claim 1	Cobalt	+12,300	Matched
01 Sep	PAY-0870	Payroll and CPF	All staff	−44,300	Paid · recorded

Every line is captured, matched and journaled automatically. A Keel professional reviews before anything posts.

Keel Finance ● Live · synced 2 min ago

Year to date · FY2026, all projects · S$ ex GST

Revenue2,184,000+11% vs last year

Gross profit631,20028.9% · plan 30%

Net profit214,7009.8% of revenue

Cash at bank486,3002 accounts · DBS, OCBC

Performance by project

Helios36.4%+37,500

Northgate14.6%-14,400

Aurora32.2%+26,300

Meridian35.3%-19,600

Cobalt20.7%+12,300

Sable13.5%+7,180

margin · net cash flow, project to date

Flags

Northgate margin 14.6% · supplier cost 22% over quoteReview

Sable margin 13.5% · material re-order not pricedReview

Cash gap, week of 22 Sep · payments 41K, receipts 28KPlan

Unallocated expense 1,240 · bill names two projectsDecide

Integrated into your communication channels

We run a finance workflow that is integrated with your business.

9:41

Keelonline

Today

Sales this month?10:02

S$86K closed, 36% of target.10:02

Who is leading?10:03

Sales leaderboard

Deals closed, September 2026

By salesperson · 1 to 5 September · S$ ex GST

Total value · S$

Daniel46,000

Mei Ling28,000

Arjun12,000

Number of deals

Daniel2

Mei Ling3

Arjun1

Average deal size · S$

Daniel23,000

Mei Ling9,333

Arjun12,000

10:03

9:41

Keelonline

Today

Northgate update this week?17:40

1. On track. Phase 2 was handed over on Wed and the client signed off in the group chat. 2. One risk: supplier email says the switchgear arrives Mon, so electrical slips 3 days. 3. Labour is 8% over plan at 212 hours. Flagged to Priya. 4. Client asked for extra work on Tue. I drafted an S$8.4K variation for your approval.17:41

Approve the variation17:44

9:41

Keelonline

Today

Kestrel Foods accepted quote Q-118. Draft the contract and bill the deposit.08:15

Contract drafted from Q-118, S$60K with 30% deposit. Deposit invoice for S$18K is ready in Xero. Send both?08:16

Send08:20

Done. Contract sent for signing, invoice emailed. I will chase on 12 Sep if unpaid.08:20

Combining finance expertise with AI.

We help you design and set up the right automation.

We are invested in what we design because we stay and run it for you.

We are not generic techies. We understand how finance and ops data should be structured.

No need for in-house hiring, training and retention. We will handle it all for you.

Set up and managed for you

01Setup

Design the most efficient and practical setup for your business
Set up Keel's agents and dashboards, integrated with your company data
Customize the design to your business's unique needs

02Run

Human gatekeeping checks on day-to-day operations
Work alongside your in-house staff, where available, so operational tasks are completed as required
High availability during daily operating hours

03Iterate

Monitor to catch AI drift from edge cases, business anomalies and operational changes
Continuously implement model iterations and improvements to keep the automated operation in shape

04Review

Regular meetings with management to go through key findings and flags
Recommend improvement areas to optimize performance

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