Finance for service business owners
I let you know before cash gets tight, chase what customers owe you, and show you where you're losing margin. I text you what I find with the fix already drafted, and wait for your answer. You make the final decision.
No app to open. No dashboard to interpret. I work out what needs a decision and bring it to you, with one link when the numbers need a screen.
Sample texts. Figures are illustrative. Texting comes with every plan; see pricing.
Four questions every owner should be able to answer this week, and the kind of text I'd send you about each.
I watch runway, bills, payroll and taxes, and text you before a gap opens, with the fix already drafted.
Payroll, the Ferguson bill and your quarterly tax all land the week of the 15th. That's $11,600 against $9,200 in the account. I drafted a reminder for the $4,800 Hartwell owes you. Send it?
I learn how long each customer usually takes to pay, and tell you when one is late for them, not just past 30 days.
Brightline usually pays in 30 days. This $6,200 invoice is at 38. A reminder is drafted. Send it?
I catch jobs that cost more than you billed, and vendors whose prices went up.
Your answering service went from $310 to $395 a month in August. I drafted a note asking them to hold the old rate. Send it?
One list, most important first: contracts about to renew, targets your team missed, money to set aside.
Your $14,400 software contract renews in 9 days, and the cancellation window closes Friday. Nobody has logged in since June. Worth cancelling before Friday?
Sample texts. Figures are illustrative.
Doing it is. I run one simple loop on your real numbers: I read, decide what matters, tell you plainly, wait for your call, and then check your accounts to see that it actually happened. Each turn teaches me what works for you.
Follow-through rate: the share of suggestions that actually get done.
A suggestion counts as followed through only when your accounts show it happened. If I can't confirm it, I don't count it.
I read your connected accounts and documents. Read-only. No spreadsheets, no manual entry.
I sort what matters most this week, so you get the one thing worth your attention instead of a list of twenty.
Get paid. Set the tax aside. Stop reopening that invoice. I flag the invoice that's gone quiet, draft the follow-up, and confirm when the payment lands.
Approve it, put it off, or dismiss it. I suggest. You make the final call.
I look at your actual accounts to confirm the invoice got paid, the transfer happened, the charge stopped. Not a checkbox. Proof.
Every turn shows me what works for you: the smaller first step, the better time of day, the kind of nudge you actually act on.
Read-only accessI never store your bank passwordYour data is never sold or used to train AI
The four questions in more detail, all from the accounts you already have.
Can I afford this?
$800 truck repair $4,500 equipment $12,000 vendor invoice $31,600 payroll
Also in Ordino: which card earns the most for each kind of spend, cash sitting above what payroll and bills need, and Ordino Brain, which learns how your business works from your tools and your advisors.
Keep your accounting software. Keep your bookkeeper. I connect to your books and fill the gap between them: the day-to-day watching nobody has time for.
| Your accounting software | A bookkeeper | Ordino | |
|---|---|---|---|
| What it does | Records transactions and runs reports | Keeps the books accurate and closes each month | Watches your cash, what you're owed and your margins every day, shows you what needs attention and drafts the next step. You decide |
| When you hear about a problem | When you run a report | At month-end, or when you ask | The day it shows up, by text |
| An invoice that's gone quiet | Shows it on the aging report | May chase it, if that's in their scope | Flags it and drafts the reminder |
| A contract about to renew | Records the charge after it hits | Sees it at month-end | Warns you before the cancellation window closes |
| Cash about to run short | Shows today's balance | May spot it at month-end | Tells you how big the gap is and when, what could close it, and lays out loan offers you got side by side |
| A job that lost money | Shows it, if every cost was tagged to the job | May notice at month-end | Flags it once the job is done (with Jobber) |
| Who decides | You | You, with their advice | You. I ask before any money moves |
Without OrdinoYou find out a customer is 47 days late when you need the cash.
With OrdinoI texted you on day 31, with the reminder drafted. You said “Send.”
Without OrdinoA software contract renews. The cancellation window closed last month.
With OrdinoI asked about it nine days before the window closed. You cancelled it in time.
Without OrdinoPayroll goes out and you hold your breath.
With OrdinoPayroll goes out. I told you on Tuesday it was covered, with $58K left after.
Without OrdinoYou open the books to see where you stand.
With OrdinoYou get your Sunday back. The Weekly Brief arrives Monday morning.
Figures are illustrative.
Bank, cards, accounting and payroll. I can see them but can't move money on my own.
One text when something needs you, with the reminder or note already written.
"Send." "Not now." "Why?" Then I check that it happened, so nothing you approve quietly slips.
Two plans, billed monthly or annually. Cancel anytime.
Cash and getting paid, watched every day.
$150/month
Billed monthly
Choose StarterEverything in Free, plus:
Most popular
Everything in Starter. Unlimited texting, 13 weeks ahead, and profit by customer.
$250/month
Billed monthly
Choose OperatorEverything in Starter, plus:
Every plan includes follow-through and handoffs: hand anything I find to someone on your team, and I check that what you approved actually happened.
Bank and card connections start with Starter. Start on Free
I connect to your bank through Plaid, which is SOC 2 Type II certified. I never store your bank password, only a read-only access token, and that token is encrypted. Your data travels over encrypted connections. Inside Ordino, only the people who run and support the service can access it. You can revoke my access anytime from Settings or from your bank.
No. Your data isn't sold, licensed or shared with advertisers or data brokers. I use AI models from OpenAI and Anthropic under business terms that don't allow them to train on your data.
No. I work with the accounts you already have: over 12,000 banks and credit unions, and your accounting software. I'll suggest a better card or account when it's worth it, but switching is always your call.
No money moves without your approval. Drafted emails, like a payment reminder, go out when you approve them. If you choose to, you can let me send certain kinds of messages on my own after a waiting period.
No. I watch the day-to-day so they don't have to, and I hand them clean exports and an audit package when they need them.
Yes, on any plan, from Settings. If you close your account, you have 30 days to change your mind, then your data is permanently deleted.
A verified phone number. Every plan includes texting: 5 texts from me a month on Free, 15 on Starter and unlimited on Operator. Answers and alerts count; codes, quick confirmations and the weekly digest don't. Reply STOP anytime to stop texts.
Anytime, from Settings. If you cancel within 14 days of your first payment, you get a full refund.