Billow handles the work of Accounting and FP&A FTEs keeping teams compliant and audit-ready. We work within existing stacks (NetSuite, Coupa, and 80+ other systems) and complex spreadsheets, chasing down information and coordinating approvals across stakeholders.
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What it does AI-native Accounting Firm that's killing Deloitte (source)
Example from a real report (our sample on Target): “In March 2026, Target announced a planned incremental $1 billion operating investment” Source: Target Corporation (press release)
Billow handles the work of Accounting and FP&A FTEs keeping teams compliant and audit-ready. We work within existing stacks (NetSuite, Coupa, and 80+ other systems) and complex spreadsheets, chasing down information and coordinating approvals across stakeholders.
Built by repeat founders; Joan built and exited an accounting/ERP platform (45,000 businesses in 4 years) and Phil built Bloomberg's financial “brain” data infrastructure, and as CTO of a trading platform ($1B in volume). Advisors include CFOs, controllers, auditors from publicly-traded biopharma, and a Big-4 Accounting firm.
What the site is built with
Next.jsframeworkVercelhosting
Read from the page's own HTML and response headers on 10 September 2026, at https://thebillow.ai/. Each badge matched a string the site serves about itself — hover one to see which. Nothing here is a traffic, ranking or revenue figure: those cannot be read off a page and are not claimed.
Checked away from the directory entry. What is below does not come from the company's Y Combinator page.
Billow builds AI employees for finance and accounting teams. Month-end close, reconciliation, AP, and FP&A commentary — executed end to end, fully auditable, while your team reviews and approves. Backed by Y Combinator.
The title and description the site itself served, answering 200. Not a cached copy and not the company's directory entry — what was live when we asked.
Joanathan McIntosh
Founder/CEO
Co-founder & CEO of Billow AI Labs. Repeat, exited founder - built an accounting/ERP software (45,000 businesses in 4 years). Formerly en-route to become a CPA/CFA, ex-Merrill Lynch and StreetLight Data (AI/ML for the U.S. government and regulated industries).
Philip Moniaga
Founder/CTO
Co-founder & CTO of Billow AI Labs. Phil (YC W22) had built Bloomberg’s finance "brain" data infra and co-founded/CTO of a trading platform ($1B+ in volume)
Founders, titles and bios as the company published them. Photographs are our own copies of the ones on that record, so they do not break when the original link expires.
One of 142 companies held here in B2B › Finance and Accounting.
No investor is drawn from a Form D — the form states how many invested and never who. The one investor on this graph is named because a batch has exactly one.
Want the whole picture on Billow AI Labs?
Example from a real report (our sample on Target): “In March 2026, Target announced a planned incremental $1 billion operating investment” Source: Target Corporation (press release)
A Full Report on Billow AI Labs: verified, sourced, every claim cited, ready in a few minutes. See pricing.
What the Full Report on Billow AI Labs covers
The Short Answer
Which Company This Is
What They Do, And How The Money Works
Who Runs It, And How To Reach Them
The Money: Funding, Valuation, Runway
Who Pays Them, And Who They Are Up Against
Warning Bells
Sources
6 cited sources found
Plus the sections for what you are deciding, which you pick after ordering.
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