Product

Three engines. One close cycle.

Variance attribution at the account level, working capital scanning alongside the P&L, and annotated narrative sections for the board deck — all from the same actuals export. Finwren is not a full FP&A platform. It does close-cycle analysis and does it completely.

Engine 1

Variance Attribution Engine

When actuals deviate from budget, Finwren traces each variance to the account that drove it — not just the summary line. The SG&A variance is not just "headcount"; it surfaces which cost center, which driver category, and which month the deviation began relative to the prior period run-rate.

  • Account-level driver labels — headcount, accrual timing, volume mix, pricing
  • Material variance flagging against both budget and prior-period trend
  • Primary driver ranked to the top — the account explaining the EBITDA swing
  • Prioritized question list for department heads, ready before the close email goes out
Diagram illustrating the variance attribution process from actuals data through driver isolation to board narrative output

Engine 2

Cash-Flow Scanning Engine

Working capital moves in three lanes simultaneously: receivables timing, payables cadence, and inventory shift. Finwren surfaces these alongside the P&L variance so you do not need to build a separate indirect cash-flow model before the board meeting to answer basic operating cash questions.

  • AR, AP, and inventory movements scanned in the same pass as the P&L
  • Working capital shifts flagged alongside the income statement variance
  • Operating cash position estimated from actuals — no separate cash-flow model required
Abstract diagram showing cash flow movement analysis with indicators for working capital components

Engine 3

Board Narrative Generation Engine

Finding the variance number is mechanics. Translating it into a sentence the CFO can say in the board meeting is judgment — and it is the part that consumes the last hours before the deck locks. Finwren generates annotated narrative sections that pair each material variance with its driver, the quantified delta, and the anticipated board question. The CFO reviews and refines; the draft is not written from scratch.

  • Narrative sections paired with source variance and driver attribution
  • Anticipated board question surfaced for each material item
  • Plain-language driver descriptions — translates for non-finance board members without losing accuracy
  • Output is a starting draft, not a final statement — FP&A judgment still applies

Sample narrative output

"EBITDA came in $134K below budget in October, driven primarily by SG&A acceleration. The variance is concentrated in headcount costs and reflects the Q4 hiring plan executing ahead of schedule. The question to expect: whether the new hires are on track to generate revenue in Q1 to offset the cost pull-forward."

Source: SG&A — Headcount · $142K unfavorable · Oct 2025

Data sources

Reads the exports your team already produces at month-end

No native ERP connector required at the Analyst or Team tier. Finwren ingests flat files and structured exports — the same files your team produces at close regardless of which system they come from.

Microsoft Excel

.xlsx workbooks, .csv flat files

QuickBooks

P&L report exports, transaction detail .csv

NetSuite

Saved search exports, subledger pulls

CSV / Flat Files

Any structured export

Upload your last actuals export. See the driver attribution in one session.

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