Answers with numbers
“Why did margin drop in May?” Ion reads the P&L, finds the line item and shows the quarter’s trend.
i37b — a financial tool for business
Clarity over your business money
The owner sees their money end to end and understands it in seconds — no intermediaries, no fog, no hundred spreadsheets. Ask — Ion answers with a number.
Today
Why did revenue grow but profit drop?
Ion
Looking at your quarterly P&L.
Revenue is indeed up +14%. But net profit fell −22%. Three reasons:
- Payroll +38% — you hired two people in May; accruals started, but their output hasn’t caught up yet.
- COGS +19% — materials were bought at higher prices and in bulk: 1.2M is frozen in inventory.
- Receivables grew to 3.4M — clients are simply late paying for work you’ve already done.
P&L · quarter
Revenue+14%
Net profit−22%
Payroll+38%
COGS+19%
Receivables3.4M
How critical is this?
Ion
Critical for cash, not for profit.
The payment calendar shows a cash gap of ≈ 600k in 8 days: payroll and a supplier advance are due on the 12th, while two large client payments are stuck.
Good news — the gap closes without a loan. Of the 3.4M in receivables, 1.9M is already overdue across three counterparties. Collect even half of it and there is no gap.
Cash balance · month forecast
Okay, what do you suggest?
Ion
I suggest three steps:
- I’ll assign your manager Alena a “Call the debtors” task — with the list of 3 counterparties, amounts and overdue terms, and message her on Telegram.
- I’ll send the 480k supplier payment to you for approval — we’ll hold it until client money arrives so the balance stays positive.
- I’ll pause the automatic materials purchase — current stock covers 6 weeks.
Shall I proceed?
Yes, go ahead.
Ion
Done.
- Task created for Alena, she got a Telegram message
- Supplier payment is pending your approval
- Auto-purchase of materials is paused
I’ll check the payments in 3 days and message you myself.
The problem
An owner sees their own money through fog
Bank, spreadsheets, accountant, warehouse, payroll — each with its own numbers. Answering “how much did I actually earn” takes days of calls and reconciling other people’s files.
JUNE · MONTH TOTALWITHOUT i37b
Income≈ 4.2M?
Expenses≈ ? ? ?
Frozen in stockno idea
Net profitask the accountant
JUNE · MONTH TOTALWITH i37b
Income4 218 300 ₽
Expenses3 087 420 ₽
Frozen in stock890 000 ₽
Net profit1 130 880 ₽
↑ the same data — the difference is the system
An AI agent that knows your business
Ion analyzes your company finances, tailors the system to your niche and trains your staff. Not a template chatbot — a full-fledged financial partner.
Builds the whole picture
On day one it connects banks, builds the cash-flow tree and sets up references for your industry.
Trains the team
Guides staff right in the interface: what to enter, where to find a report, how to approve a payment.
A direct line to your bank
Statements sync automatically — setup takes two minutes, no support calls
Coming soon
Six modules — one system
Money, stock, production, payroll, tasks and reporting live in one system. Shared references, end-to-end permissions and a full change history.
Money
A real-time picture of company finances. Accounts, cash registers, currencies and cash flow gathered in one workspace — you always know the exact balance on every account.
- Multi-currency accounts and cash registers
- Cash flow with automatic categorization
- Balances update in real time
- Bank integration in 2 minutes
For the people who run the money
OWNER
“I want to see how much we actually earned — without calling the CFO.”
Margin by every line and branch — in real time
Profit and balances — on your phone, refreshed every day
No payment goes out without approval
The team works by one set of rules, not from memory
CFO
“I want to close the month in a day, not a week of night-time reconciliations.”
P&L and cash flow build automatically from source data
A payment calendar and cash-gap forecast
Role-based access, full change history and audit
New hires are trained by the AI agent right in the interface
Launch
Your full setup — in two weeks
This isn’t just “access to a service.” The AI agent builds your setup for your niche, migrates your data and trains the team — you’re working from day one.
1
Day one
The AI agent connects your banks, builds the cash-flow tree and sets up references for your industry.
2
Week one
Reporting, price list, cost of goods, warehouse and production — all set up on your real data.
3
Week two
Payroll, approval routes and roles — the setup is complete, the team is trained and working in the system.
Pricing
One plan — everything included
100,000 ₽ for a full launch: 2 weeks of setup + 3 months of operation. All modules, the AI agent and team training
Start
100,000 ₽one-time
2 weeks of launch + 3 months of operation. Full setup for a team of up to 15
- All 6 modules + AI agent
- Bank integrations
- Team training
Growth
Popular190,000 ₽/ year
For growing teams of up to 50. Advanced analytics and priority support
- All modules + advanced dashboards
- AI agent with advanced analytics
- Priority support and a manager
Enterprise
on request
For large teams and holdings. Custom processes, SLA, API and a dedicated manager
- Unlimited users and branches
- API, SSO and custom integrations
- Dedicated manager and SLA
Launch a system built for your business in two weeks
Ion, the AI agent, assembles a setup for your niche, connects your banks, and trains your team. It starts with a short diagnostic.
Trusted by business
Your data protected by law and banking-grade security
Transparent processes, bank-level protection and strict regulatory compliance
152-FZ
Full compliance with Russian Federal Law No. 152-FZ on personal data. Reliable protection of client information.
IT park
We are residents of an IT park, working inside an ecosystem of technology companies with access to infrastructure and support.
Banking standard
Integration over the secure TLS 1.3 protocol with Russia's largest banks. Data is encrypted on the server side.
Request a system rollout
Our expert will reach out, run a quick audit of your current reporting and show how i37b solves your exact pain points
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