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Fintellect · 2023—2024

Fintellect

Financial automation toolkit for service agencies.

Project margin, team utilisation and cash from one set of records.

Fintellect FC–01: a precision financial instrument with an integrated display, aluminium time dial and numeric keypad

Role: Co-founder, CEO, CPO
Sole product designer
Scope: Product model & workflows
Pricing & go-to-market
Team: Small founding team
Product led end-to-end
Product: Projects · Team
Cash & planning

Ukraine Support Fund · 2025 cohort

Europe · Batch 16 · 2023

Ukrainian Startup Fund

$25k seed grant · 2021

ZAS Ventures

$50k pre-seed · 2024

Selected coverage

AIN · 2024Startup of the Day: FintellectRead Vector · 2023A “silver bullet” for financial managementRead Fintech Insider · 2023Among Ukraine’s most promising fintech startupsRead

Keep project margin and cash in one place.

Fintellect is for owners of service and creative businesses: studios, development shops, consultancies. Their margin depends on billable hours, rates and salaries, but those numbers sit in a bank, a bookkeeping suite, a time tracker, a project manager and a spreadsheet.

Fintellect links bank transactions, project activity and the operating plan in one workspace. Project cost and margin, team utilisation, cash position and the forecast come from the same records, so the owner can answer whether a project or a month is profitable without reconciling five tools.

01 / Operating modelBank feeds and project tools supply the records. Budgets, rates, invoices and overheads turn activity into cost and revenue. Cash position, project margin, team utilisation and forecasts read from the same model in one reporting currency.

What the model has to handle

Turn hours, plans and payments into one set of numbers.

Turn time into cost
Salary and billable capacity set an internal rate for each person. Logged hours at that rate, plus a share of overheads, give the actual cost of a project. Set against the price, that cost shows the margin.
Keep expected and received apart
A budget line, an issued invoice and a bank transaction are three different events. The model stores each one and matches them, so the forecast shows what is planned, what is invoiced and what has arrived.
Work in more than one currency
Clients pay in one currency and the team is paid in another. Every transaction keeps its original currency and the exchange rate of that day, and totals convert to one reporting currency.
Show a metric in its own context
Utilisation sits beside team capacity; budget use sits beside project cost. One component carries the figure, its unit and its period, so the owner reads it the same way in every view.

Price the work and follow its cost.

A project starts with a budget, a rate card and the people assigned to it. As hours are logged, planned cost turns into production cost. The project view shows budget use, production cost, profit and the invoices raised against the project, so the owner sees the margin while the work is still running.

02 / Project economicsSample project: planned cost, budget use, production cost and profit, with draft, pending and paid invoices.

See what each role costs and earns.

Team lists every person with salary, billable capacity, utilisation and commercial rate, and spreads overheads per head. The owner sees the economics of each role, not only a headcount total, and can tell which capacity is sold and which is idle.

03 / Team economicsEight people, seven billable: salaries, overheads per person, rates and 754 of 1,120 billable hours used.

Attach every transaction to its purpose.

Operations lists what came in and went out of each account, fetched from the bank or added by hand. Every line gets a category, a purpose and an invoice where one exists. A transfer that covers several things splits into parts, and each amount converts to the reporting currency at the rate of that day.

Autocategorise assigns a category to the lines that arrived without one, so the owner reviews suggestions instead of typing them.

04 / OperationsTwo days of transactions: client payments, a bank commission, a split office transfer, payroll from a PLN account and lines still waiting for a category. Press Autocategorise to fill them.

Snack-size analytics.

Seventeen small widgets cover project cost, team capacity, forecasts and wallets. Each one shows a figure with its unit, period and comparison, and the same widget appears wherever that figure matters, so the owner reads it the same way in every view.

Team / capacity

Plan / forecast

Project / cost

Sprint payments

€188 225 Payments total created

€24 800 draft invoices

€47 040 pending invoices

€116 385 paid invoices

€31 600 uninvoiced

€18 450 unbilled

Project / margin

Wallets / position

Run the company behind the product.

As co-founder, CEO and the only product designer, I defined the offer, the pricing and the go-to-market alongside the product model. This Berkeley SkyDeck session covers that work. The screens on this page use representative sample data.

Building Fintellect.

Gor Walowski · Founder talk

Watch on YouTube ↗