Meet Theo. I turn landed cost chaos into clean COGS.

I handle vendor bills and payment scheduling across your stack. I time payments to your runway, not to whoever asks loudest.

Replaces: AP Clerk · $60K–$90K/yr

Landed cost · PO #2841 + 14.6% loaded

SKU Pricing

True margin: 47.2% · Theo

Landed cost allocated per SKU on every PO

Freight, duties, tariffs, and insurance allocated across SKUs — whatever's on the invoices you upload.

Three-way match: PO ↔ receiving ↔ invoice

Payment timing tied to inventory cycles.

Update a tariff rate and landed cost recalculates across every open PO.

Works with your 3PL receiving reports.

Questions Theo answers

“What's my true landed cost?”

Not the supplier invoice — the all-in number after freight, duties, tariffs, insurance, drayage, and receiving fees. Theo calculates it per SKU on every PO so your COGS reflect reality, not a quarterly guess.

“Why are my margins off this month?”

Usually it's a tariff change, a freight spike, or a duty re-classification you didn't see. Theo updates landed cost on all open POs the moment any input changes — and tells you which SKUs are no longer profitable.

“Can I afford this PO right now?”

Theo schedules supplier payments around your inventory reorder cycles and cash position, not around whichever vendor email is loudest. You see the cash impact of a PO before you commit.

The old way vs. Theo's way

The old way

• Landed costs estimated in a spreadsheet — freight, duties, and tariffs allocated by gut feel.
• Supplier invoices pile up in email and get entered manually into accounting software.
• PO-to-invoice matching done by hand — discrepancies caught months later.
• Payments made when someone remembers, not optimized against inventory cycles or cash flow.
• COGS always wrong because landed costs aren't allocated to individual SKUs.

Theo's way

• Landed costs calculated automatically on every PO — freight, duties, tariffs, and insurance allocated per SKU by weight, value, or volume.
• Supplier bills captured, matched to POs, and coded to the right GL accounts without manual entry.
• Three-way match (PO → receipt → invoice) runs automatically — quantity and price discrepancies flagged instantly.
• Payment timing optimized against inventory reorder cycles — pay suppliers when it helps cash flow, not when the invoice arrives.
• COGS accurate at the SKU level because landed costs are allocated on every inbound shipment, not estimated quarterly.

What Theo's work looks like

A real sample of what Theo delivers every day.

PO #4821 — Shenzhen Textiles · 2,400 units · 6 SKUs

Landed cost allocation:

• Product cost: $18,240 ($7.60/unit)
• Ocean freight: $2,160 (allocated by volume)
• Duties (11.2%): $2,043 · Tariff (7.5%): $1,368

Total landed: $23,811 → $9.92/unit avg across 6 SKUs

Matched to supplier invoice #INV-9934. Ready for approval.

How Theo actually works

Theo runs autonomously on triggers, hands work off to other agents, and never waits for you to log in.

Triggered by

Vendor bill received, approval deadline approaching, early-pay discount window opening.

Hands off to

Vic on payment for GL reconciliation. Margo on payment scheduling for cash flow updates.

Runs at

Continuously on the AP queue. Payment runs follow Margo's runway model, not vendor pressure.

How Theo helps every type of seller

• Marketplace: Marketplace fee bills tracked separately — referral fees, FBA fees, advertising — all categorized correctly so margin math stays honest at the channel level.
• Private Label: Landed cost calculated on every PO from supplier, freight forwarder, and customs invoices. Per-SKU COGS reflects reality, not last quarter's guess.
• DTC: Subscription tool stack tracked — Shopify apps, ad platforms, fulfillment partners — recurring bills queued for review monthly with cash impact projected.

Theo doesn't work alone.

Your AI finance team is six specialists working together. Theo's work feeds into the rest of the team — and theirs feeds into Theo's.

Theo is one of six. You get the whole team.

All six agents · $1,000/month · Replaces a $30K–$80K/yr finance stack.

Questions about Theo

How does Theo calculate landed costs?

Theo takes every cost component — product cost, ocean or air freight, customs duties, tariffs, insurance, drayage, and warehouse receiving fees — and allocates them across SKUs on each PO. You choose the allocation method: by weight, by declared value, or by volume. The result is accurate per-unit COGS, not a quarterly estimate.

How is Theo different from doing landed cost in a spreadsheet?

A spreadsheet is reactive — someone plugs in freight, duties, and tariffs after the fact, usually long after the goods have shipped. Theo allocates landed cost on every PO automatically from the invoices you upload, matches supplier invoices to POs, flags discrepancies, and updates per-SKU COGS in your books — so the numbers reflect reality without a manual reconciliation.

Can Theo handle tariff changes?

Yes. When tariff rates change, Theo updates the calculation on all open and future POs. You see the margin impact immediately — which SKUs are still profitable at the new rate and which ones need a price increase or sourcing change.

Does Theo work with my 3PL?

Theo processes receiving confirmations from your 3PL as part of the three-way match — PO, receiving report, and supplier invoice. If quantities don't match across all three, Theo flags it before you pay.

Ready to work with Theo?

Theo is part of your AI finance team. All six agents. $1,000/month flat.