Accounting finance ops

Billow AI Labs

Website

Overview

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.

Company description As recorded 2026-11-08

Founders & team

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).

Founder profile As recorded 2026-09-15

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)

Founder profile As recorded 2026-09-15

News & product activity

Sources & observations

Y Combinator

Profile depthverified profile
Website observationwebsite reachable
Last website check2026-11-11
Location · source statedSan Francisco, CA, USA
Pricing evidenceNo pricing page confirmed
Maturity: Not assessed · 3 of 6 areas documented

Source-based assessment · automated evidence rules

The captured homepage does not clearly identify the listed business.

Maturity is an evidence-based assessment, not a success rating. It may understate the current stage where evidence is limited. Coverage records documented areas, not a complete or independently audited company history.

Stage definitions
independent websitesource corroborationreachable websitedescriptive evidenceclassified market and modelsourced people