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Billow AI Labs

AI-native Accounting Firm that's killing Deloitte

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.
Active Founders
Joanathan McIntosh
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
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)
Company Launches
Billow - Killing Deloitte with AI
See original launch post

We’re killing Deloitte with AI

https://drive.google.com/file/d/1YaUyJE-ZL0poxDAFGv962RniFsue5nyE

Accounting is a $700B industry that hasn’t changed in 200 years. Today, 80% of companies still do their accounting by hand – manually exporting data, building spreadsheets, and chasing approvals.

Billow is an accounting firm that replaces human accountants with AI agents.

We connect to your existing tools (NetSuite, QuickBooks, and 80+ other systems) and use agents to provide faster, cheaper, and better accounting services. 

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There is zero software for customers to use. Just integrate and we’ll close your books for you.

In the last three months, we went from an idea to partnering with Series B-D companies representing over $1B in enterprise value.

Team:

  • Joanathan McIntosh - Repeat VC-backed founder, built and exited an accounting/ERP platform (45k businesses in 4 years). Ex-Merrill Lynch and StreetLight Data (AI/ML for US Government)
  • Philip Moniaga - Repeat YC founder (W22). Built financial infra at Bloomberg and Booking.com. CTO of a trading platform ($1B+ in volume).

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Ask - intros to:

  • CFOs, Controllers, and VPs of Finance at companies with $40M+ in revenue or funding.
  • Fractional CFOs, accounting and advisory firms
  • $5k referral or 1 US Open ticket for every closed customer.

joan@thebillow.ai | thebillow.ai

YC Photos
Billow AI Labs
Batch:Summer 2026
Status:
Active
Location:San Francisco
Primary Partner:Gustaf Alstromer