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FP&A · Financial Intelligence · Applied AI

Your business deserves a finance function that thinks ahead.

We combine senior-level financial planning with AI to give Brazilian SMEs the visibility that only large corporations used to have. Less surprise, more control, better decisions at the right time.

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Foreseen by Patrimoni
April 2026 · live update
Net Revenue
R$ 2.4M
↑ +11% vs budget
Gross Margin
26.2%
▼ −2.4pp vs target
EBITDA YTD
R$ 318K
↑ 13.2% margin
Cash Runway
38 days
↓ below minimum
Margin by business lineTarget: 30%
Product A
34.1%
Product B
24.8%
Services
15.3%
Cash critical in 12 days: R$ 187K payable before next inflow. Action: renegotiate supplier B or accelerate receivables.
Services margin declining: labor cost up 18% in 60 days with no price adjustment. Estimated impact: −R$ 34K on April EBITDA.
Product A above target: 34.1% margin sustaining the consolidated result. Opportunity: increase its share in the revenue mix.
53%
of SME finance teams use no AI at all in their operations
15%
per year — real cost of capital wasted on blind decisions
14 days
to deliver your first automated reports and live dashboard
R$ 200M
in capital markets transactions coordinated by our founder

The Problem

"You invoice, you pay, you grow — and at month-end you still don't know if you're actually making money."
01
Financials that arrive too late to matter
The March P&L lands in May. The wrong decision was already made. The cost already hit. The client already left with a discount that destroyed the margin.
02
Positive bank balance, company in the red
Revenue growing, bills paid — and yet cash never seems to accumulate. Without structured forecasting, every surprise becomes a liquidity crisis.
03
You don't know which product sustains the business
You sell 10 products. Two carry the margin. Eight drain cash. Without line-level profitability analysis, you scale what loses money.
04
Your accountant delivers compliance, not clarity
The accounting firm handles tax with excellence. But no one is watching profitability, delinquency, cost of capital, and missed opportunity.
05
The bank asks for a forecast you don't have
Refinancing debt, raising capital, attracting a partner: all require projected cash flows and scenario analysis. Without structured FP&A, the company stalls when it needs to grow.
06
Every spreadsheet is a safe without a key
The one person who understood the cash flow model left. The data exists, but no one trusts it, no one maintains it, and no one decides based on it.

How we work

Three ways to transform your financial intelligence

From a one-time diagnostic to continuous operations — choose the level of depth your moment requires.

Entry point
Financial Diagnostic
A structured analysis of your company's financial health. In 5 business days you receive a complete report with key risks, opportunities, and a prioritized action plan.
  • Analysis of P&L, balance sheet and cash flow over 12 months
  • Profitability mapping by product, channel and client
  • Margin leakage and liquidity risk identification
  • Executive report with 10 priority actions
  • 90-min presentation meeting with implementation plan
Investment: R$ 1,200 · delivered in 5 business days
Order diagnostic
Continuous operations
FP&A as a Service
Your company gains a complete financial planning function without hiring a senior team. We handle close, budget, forecast and analysis — you get the insights that move the needle.
  • Management P&L with monthly variance analysis
  • Cash flow forecast — 13 weeks and 12 months
  • Annual budget and quarterly revision
  • Executive dashboard with business KPIs
  • Decision support: fundraising, growth, M&A
Monthly contract · no lock-in · onboarding included
Request a proposal

Who it's for

We work with those who already know the problem exists — and need to solve it for good

Our ICP isn't defined by company size. It's defined by level of awareness. You've already lost money from lack of financial visibility — and you don't want that to happen again.

🏭
SME Owner
R$ 5M – 50M annual revenue
"I know how to run this business. What keeps me up at night is not knowing, with precision, whether I'm actually making money — and how long I have before I need the bank."
  • Makes expansion decisions with no cash impact forecast
  • Doesn't know which product line or client is unprofitable
  • Depends on the accountant for any number — and waits days
  • Has been surprised by negative cash flow despite strong revenue
→ FP&A as a Service + Foreseen as executive dashboard
📋
Accountant or accounting firm
10–80 active client portfolio
"My clients trust me for compliance. But increasingly they ask: 'Is my business doing OK?' — and I don't have the structure to answer that every week."
  • Loses clients to consulting firms that offer management analysis
  • No tool to deliver management P&L beyond fiscal reporting
  • Wants to expand services without expanding fixed team cost
  • Clients have the same pains as SME owners — with no solution
→ Foreseen as firm extension · partner program
📊
CFO or Finance Director
Mid-market · R$ 50M – 300M
"I have the strategic vision. What's missing is the tech stack and operational capacity to deliver the analysis frequency the board demands from me."
  • Close cycle too long for the company's decision-making pace
  • FP&A team too small for the operational complexity
  • Global tools don't integrate Brazilian ERPs and tax rules
  • Needs scenarios and sensitivity analysis with no time to build
→ FP&A team extension + automation via Foreseen

How it works

From first conversation to live dashboard — without the bureaucracy

No months of implementation. Within two weeks you have your first organized data and first insights in hand.

Week 1
1
Business mapping
We understand your structure: data sources, chart of accounts, business rules, seasonality. Not a generic onboarding — it's your company's financial blueprint, documented.
Week 1–2
2
Data connection and structuring
We connect to your ERP, bank feeds and spreadsheets. We build the management P&L with your business logic — not a generic template. You see data the way it makes sense for you.
Week 2
3
First reports and live dashboard
P&L for the last 3 months with variance analysis. 13-week cash flow forecast. Executive dashboard with sector-specific KPIs — updated automatically.
Ongoing
4
Monthly FP&A cycle
Close by the 5th business day. Analysis meeting with alerts and recommendations. Quarterly budget revision. You decide with data, always — not on gut feeling.

Who's behind it

Real FP&A is built by someone who has sat in the CFO chair.

Leonardo Mota is the founder of Patrimoni Ventures with over 15 years of experience in financial planning, debt structuring, and data architecture across Brazilian companies. He served as FP&A Lead at Grupo Luiz Hohl, leading financial intelligence for a multi-unit group spanning John Deere dealerships and retail operations. He structured a R$ 200M CRA transaction with Banco Itaú BBA — one of the pioneering structured credit operations in the John Deere dealers in Brazil. He built from scratch an AI server integrated with SQL Server, bringing conversational financial analysis into the group's operations.

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R$ 200M
in structured credit — CRA transaction with Banco Itaú BBA in the John Deere network
10+
years of FP&A across agribusiness, retail and services companies
SQL·AI
Python, Power BI, Claude API, AI server integrated with SQL Server
Multi-unit
Financial management of multi-entity groups with multiple accounting regimes
Differentiator
Brazil-first
Most FP&A platforms were built for American SaaS companies. Patrimoni was born inside a Brazilian company — with complex tax regimes, 15% base interest rate, Tax Reform impacts, and local ERPs. We understand the problem from the inside.

Next step

Ready to truly understand how your business is performing?

Start with the diagnostic. In 5 business days you get a complete analysis of your company's financial health — and know exactly where to act first.

Order diagnostic Join the Foreseen waitlist