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Billow AI Labs

AI-native Accounting & Finance Firm to Replace the Big-4

Billow handles the work of Accounting and FP&A FTEs while 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.
Active Founders
Joanathan McIntosh
Joanathan McIntosh
Founder
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
Philip Moniaga
Founder
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)
YC Photos
Billow AI Labs
Batch:Summer 2026
Status:
Active
Location:San Francisco
Primary Partner:Gustaf Alstromer