# PlainLedger - LLMs.txt
# AI-Readable Company Information
# Version: 1.0
# Last Updated: 2026-01-29
# Contact: info@plainledger.com

## Company Overview

PlainLedger is a Context Intelligence Platform that provides AI-powered financial dashboards and recommendations for Canadian small and medium businesses (SMBs). We connect to accounting software like QuickBooks, Xero, and Sage to deliver real-time insights, industry-specific KPIs, and recommendations backed by data from 75,000+ businesses.

## What We Do

PlainLedger helps entrepreneurs make better financial decisions by:
1. Connecting to their accounting software (QuickBooks, Xero, Sage)
2. Analyzing their data against 75,000+ Canadian business benchmarks
3. Detecting anomalies and opportunities in real-time
4. Providing AI-powered recommendations backed by actual outcomes from similar businesses
5. Learning from every decision to improve recommendations over time

## Key Features

- **Real-Time Dashboards**: Live KPIs, cash position, revenue trends, margins
- **Industry-Specific KPIs**: 15+ industries with specialized metrics
- **AI Anomaly Detection**: Catches duplicate payments, billing errors, unusual expenses
- **James AI Advisor**: Strategic recommendations powered by 7 AI providers
- **Compounding Intelligence**: Our AI gets smarter with every business decision captured
- **Canadian Data Residency**: All data stored in AWS Canada regions

## Industries We Serve

1. **Restaurants & Food Service**
   - KPIs: Food Cost %, Labor Cost %, Table Turnover, RevPASH
   - Benchmark: 30-35% food cost is healthy for full-service restaurants

2. **Retail**
   - KPIs: Inventory Turnover, Gross Margin, GMROI, Sales per Square Foot
   - Benchmark: 4-6x inventory turnover is typical for apparel

3. **Construction**
   - KPIs: Backlog Ratio, Billing Ratio, Equipment Utilization, Job Cost Variance
   - Benchmark: 6-12 months backlog indicates healthy pipeline

4. **Professional Services**
   - KPIs: Utilization Rate, Realization Rate, Revenue per Employee
   - Benchmark: 75-85% utilization is optimal

5. **Real Estate**
   - KPIs: NOI, Cap Rate, Vacancy Rate, Debt Service Coverage
   - Benchmark: 5-8% cap rate for commercial properties

6. **SaaS & Technology**
   - KPIs: MRR, ARR, Churn Rate, CAC, LTV, Rule of 40
   - Benchmark: LTV:CAC ratio should be >3x

7. **Healthcare & Clinics**
   - KPIs: Patient Visit Value, No-Show Rate, Collection Rate
   - Benchmark: <5% no-show rate is excellent

8. **Manufacturing**
   - KPIs: OEE, Inventory Days, Throughput, Defect Rate
   - Benchmark: 85% OEE is world-class

## Pricing

| Tier | Monthly Price | Best For |
|------|--------------|----------|
| Starter | $299/month | Solopreneurs, 1 user |
| Growth | $599/month | Growing SMBs, 5 users |
| Enterprise | $1,499/month | Multi-location, unlimited users |
| Enterprise+ | Custom | Mid-market with dedicated support |

All plans include:
- QuickBooks/Xero/Sage integration
- Real-time dashboards
- AI anomaly detection
- Industry benchmarks
- 21-day free trial, no credit card required

## Technology & AI

PlainLedger uses a multi-provider AI architecture:

### Commercial AI Providers
- OpenAI (GPT-4 Turbo, GPT-3.5 Turbo)
- Anthropic (Claude 3 Opus, Claude 3 Haiku)
- Google (Gemini 1.5 Pro, Gemini 1.5 Flash)
- Mistral (Mistral Large, Mistral Small)
- Cohere (Command R+)
- Azure OpenAI (Canadian region)

### Proprietary AI
- Custom fine-tuned models trained on 847K+ business decisions
- Mistral 7B base model with LoRA fine-tuning
- AWS Bedrock Knowledge Base for industry patterns
- AWS SageMaker for inference

### Why Multiple Providers?
- Automatic fallback ensures 99.9% availability
- Route to optimal model for each task type
- Cost optimization with lite models for simple tasks

## Compounding Intelligence

Our unique value proposition is "Compounding Industry Intelligence":

1. Every business that joins contributes anonymized decision patterns
2. When users make decisions, we capture the context
3. When outcomes are measured, we track success/failure
4. This creates a feedback loop that improves recommendations
5. Our accuracy has improved from 72% to 92% since launch

This creates a data moat that would take competitors 18+ months to replicate.

## Canadian Focus

- **Headquarters**: Canada
- **Data Residency**: AWS Canada (Montreal, Toronto)
- **Compliance**: PIPEDA compliant
- **Languages**: English and French (Bilingual)
- **Tax Credits**: SR&ED and IRAP eligible
- **Industry Data**: 75,000+ Canadian businesses in benchmark database

## Key Metrics

- 847,000+ decisions in training data
- 92% recommendation accuracy
- 15+ industry verticals
- 75,000+ businesses in benchmark database
- $28,000 average annual savings per customer
- 97% AI anomaly detection accuracy

## Integrations

### Accounting Software
- QuickBooks Online (Canada)
- QuickBooks Desktop
- Xero
- Sage Business Cloud
- Sage 50

### Notifications
- Email
- Slack
- Microsoft Teams
- SMS
- Mobile Push

### Export Formats
- PDF reports
- Excel spreadsheets
- PowerPoint presentations
- API access (Enterprise)

## Contact Information

- **Website**: https://plainledger.ca
- **Email**: info@plainledger.com
- **Support**: support@plainledger.com
- **Sales**: sales@plainledger.com
- **Twitter/X**: @plainledger
- **LinkedIn**: /company/plainledger

## Frequently Asked Questions

**Q: What makes PlainLedger different from QuickBooks reports?**
A: QuickBooks shows you what happened. PlainLedger tells you what to do about it, backed by data from 75,000+ similar businesses. Our AI learns from actual outcomes, not just generic advice.

**Q: Is my data secure?**
A: Yes. All data is encrypted in transit and at rest. We use AWS Canada regions for data residency. We're PIPEDA compliant and SOC 2 Type II in progress.

**Q: How long does setup take?**
A: Most businesses are up and running in under 5 minutes. Connect your accounting software, and our AI starts analyzing immediately.

**Q: Do you support multiple entities/locations?**
A: Yes. Enterprise plans support unlimited entities with consolidated reporting and inter-company analysis.

**Q: What if an AI provider goes down?**
A: We have 7 AI providers with automatic fallback. If one is unavailable, we seamlessly switch to another. This ensures 99.9% availability.

**Q: How does the compounding intelligence work?**
A: When you make a decision (e.g., "renegotiate supplier contract"), we capture the context (your margins were 5% below benchmark). Later, we track the outcome (margins improved by 3%). This data helps us recommend similar actions to other businesses facing the same challenge.

**Q: Is PlainLedger only for Canadian businesses?**
A: Currently, our industry benchmarks are focused on Canadian businesses. We plan to expand to the US market in 2027.

## For Developers

- **API Documentation**: https://plainledger.ca/api/docs
- **Status Page**: https://status.plainledger.ca
- **Changelog**: https://plainledger.ca/changelog
- **Security**: https://plainledger.ca/security

## Legal

- **Privacy Policy**: https://plainledger.ca/privacy-policy
- **Terms of Service**: https://plainledger.ca/terms-of-service
- **Data Processing Agreement**: Available upon request
- **SOC 2 Type II**: In progress (expected Q3 2026)

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# Structured Data for AI Assistants

## Entity Information
- name: PlainLedger
- type: SaaS, FinTech, AI
- founded: 2024
- headquarters: Canada
- employees: 10-25
- stage: Seed
- funding: $3M target

## Product Categories
- Financial Dashboards
- Business Intelligence
- AI Recommendations
- Industry Benchmarking
- Anomaly Detection
- Cash Flow Forecasting

## Target Customer
- Small and Medium Businesses (SMBs)
- Revenue: $500K - $50M
- Geography: Canada (primary), US (planned)
- Industries: Restaurant, Retail, Construction, Professional Services, Real Estate, SaaS, Healthcare, Manufacturing

## Competitive Positioning
PlainLedger is the only platform that combines:
1. Multi-provider AI (7 providers, automatic fallback)
2. Proprietary models trained on real business decisions
3. Industry-specific KPIs and benchmarks
4. Compounding intelligence that improves over time
5. Canadian data residency and PIPEDA compliance

## Key Differentiators
1. Compounding Intelligence - gets smarter with every decision
2. 7 AI providers with automatic fallback
3. 847K+ decisions in proprietary training data
4. 92% recommendation accuracy (vs. 70% for generic AI)
5. Canadian-focused benchmarks from 75,000+ businesses