Meet Theo. I manage every dollar going out the door.

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

Bills queue · Apr 30

• $35,600 due

AWS · due May 15
Scheduled
$8,420

Salesforce · due May 7
Early-pay 2%
$24,000

Gusto · due May 12
Scheduled
$3,180

$480 early-pay discount captured · Theo

Features of Theo

• Auto-extracts vendor bills from email and PDFs
• Recommends payment timing against your runway, not vendor pressure
• Surfaces 2/10 early-pay discount opportunities on every bill
• SaaS renewals flagged 30 days out
• Duplicate payment detection built in
• Brex + Ramp + Plaid integrations

The questions you keep asking yourself. Theo just answers them.

“What do I owe and when?”

Every vendor bill captured, coded, and queued — with due dates, scheduled pay dates, and runway impact. No more searching three inboxes for that AWS invoice you swear you paid.

“Are we paying too early?”

Theo recommends payment timing — late enough to preserve cash, early enough to capture 2/10 discounts where the math works. Vendor pressure doesn't change the math; you approve and execute the pay run.

“Did anyone approve this $50K renewal?”

Annual renewals over your threshold get held for explicit founder approval. Theo flags them 30 days out with the year's spend, usage signal, and a one-click cancel/negotiate path before auto-renew hits.

The old way vs. Theo's way

The old way

• Vendor invoices pile up in a shared inbox — some get paid twice, others get missed entirely
• AWS, Vercel, and 15 other SaaS tools auto-charge your card with no central tracking
• Contractor invoices processed manually — payment timing is inconsistent and frustrating
• No visibility into how this week's payables affect next quarter's runway
• Duplicate payments and missed early-pay discounts cost thousands per year

Theo's way

• Every vendor bill captured, coded, and queued for approval automatically — nothing falls through the cracks
• Full SaaS tool stack tracked in one place — renewals flagged 30 days out so you can cancel or renegotiate
• Contractor pay runs prepared on a predictable schedule — invoices matched to SOWs and queued for your approval
• Every pay run shows the runway impact — you see exactly how this week's spend affects your cash-out date
• Duplicate detection catches double-charges before they leave your account

What Theo's work looks like

A real sample of what Theo delivers every day.

Pay Run #47 · Week of April 21

• AWS · $8,420.00 · Infrastructure
• Vercel · $1,200.00 · Infrastructure
• J. Rivera (contractor) · $6,500.00 · Engineering
• Linear · $480.00 · SaaS Tools

  Total outflow: $16,600.00
  Runway impact: 18.4 mo → 18.3 mo (−0.1 mo)
  Flag: Datadog renewal ($14,400/yr) due May 15 — review recommended

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 at every stage

Bootstrapped
Pay your tools on time, never miss an early-pay discount. Vendor bills captured from email automatically — no manual data entry, no missed renewals draining cash.

Pre-Seed
Bills coded to the right GL accounts, payment timing recommended against your runway. You execute pay runs with confidence that the math is honest.

Seed
Approval thresholds for bigger bills, vendor relationships tracked, audit-ready trail for every payment recommendation. AP scales without adding headcount.

Questions about Theo

How does Theo track our SaaS tool stack spend?

Theo monitors every recurring charge across your credit cards and bank accounts. Each tool is categorized, renewal dates are tracked, and you get a flag 30 days before any annual renewal — so you can cancel zombie subscriptions or renegotiate before auto-renewal hits.

Can Theo handle contractor payments with different terms?

Yes. Theo matches each contractor invoice to their SOW, verifies the amount, and queues it for your approval. Net 15, Net 30, milestone-based — each contractor's terms are respected automatically.

What does 'runway-aware' payment scheduling mean?

Every pay run Theo prepares shows the impact on your runway. If a large annual renewal would drop your runway below a threshold you set, Theo flags it and suggests alternatives — like switching to monthly billing to preserve cash.

Does Theo need access to our bank account?

Theo connects read-only (via Plaid) so it can see what's been paid and flag duplicates — but Theo doesn't move money. You execute every payment yourself in your bank or AP tool; Theo just prepares the pay run with vendor, amount, due date, and runway impact. Down the road, Theo may queue payments in your payment system for one-click execution by you, but Theo will never move money directly. That's by design.

Ready to work with Theo?

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