AI Prompts for Finance
27 free, copy-paste-ready prompts for finance. Pick one, paste it into ChatGPT or Claude, and put it to work.
Simulate a Tough Banker Interview With AI Feedback
Use this prompt after reviewing your Q&A prep sheet to simulate a real banker interview. Answer each question as you would in the actual meeting, and the AI will give you specific feedback on what landed well and what sounded weak or vague.
Rewrite a Loan Brief in Plain Business Language
Use this prompt after reviewing the AI-drafted loan brief if the language feels overly formal or generic. It produces a version that sounds more like you, which is important since you'll be handing it to a loan officer with your name on it.
Model Alternative Loan Structures for a Weak DSCR
Use this follow-up prompt if your initial DSCR calculation comes back between 1.0 and 1.25. It helps you model alternative loan structures and prepares you to address a weak coverage ratio before the lender raises it.
Prepare a Full Bank Loan Application Brief
Use this prompt at the start of your bank loan meeting prep session. Paste in your raw financial data — 12 months of revenue, monthly expenses, existing debt payments, loan amount requested, intended use of funds, and business assets — to get a DSCR calculation, a 5 Cs evaluation, a one-page loan brief, and a Q&A prep sheet in one response.
Analyze Weekly Sales Data and Spot Trends
Use this prompt weekly after exporting sales data from Square, Shopify, or a Google Sheet. Paste the prompt first, then paste your copied sales data directly below it in the same message to get a plain-language weekly sales report.
Price Increase Letter With Lock-In Offer for Large Increases
Use this prompt when communicating a larger rate increase of 15–20% that requires stronger justification. It includes a lock-in option to give clients an incentive to stay and can help retain clients who might otherwise leave.
Rate Increase Email for Newer Clients
Use this prompt when notifying a newer client (under 12 months) of a smaller rate increase of 5–10%. It produces a short, professional email that gets to the point quickly without over-explaining.
Price Increase Letter for Long-Term Clients
Use this prompt when writing a price increase letter to a long-term client (2+ years) for a moderate rate increase of 5–15%. It produces a warm but direct email that acknowledges the relationship without being apologetic.
Diagnose the Root Cause of a Cash Flow Gap
Use this when your forecast shows a cash gap and you want to identify the specific item causing it and understand how much flexibility you have to fix it.
Update Your Cash Flow Forecast With Real Numbers
Use this every two weeks to update your forecast with real numbers. Paste your previous forecast table into the chat first, then send this message with your actual inflows and outflows filled in.
Find Forgotten Expenses in Your Cash Flow
Send this after receiving your initial forecast to catch expenses you may have overlooked, such as quarterly tax payments, annual software renewals, or irregular payroll cycles.
Stress Test Forecast for Late Client Payments
Use this as a follow-up after receiving your initial forecast. It stress-tests the forecast for late client payments, which is the most common cash risk for service businesses on net-30 or net-60 terms.
Build a 90-Day Cash Flow Forecast
Use this as your starting prompt to build an initial 90-day cash flow forecast. Replace the bracketed sections with your actual numbers before sending.
Force AI to Process One Receipt at a Time
Use this short prompt when uploading receipts individually to prevent the AI from merging two visually similar receipts into a single row — a known issue with batch image uploads.
Flag IRS Compliance Issues in an Expense Report
Use this prompt after all receipts have been extracted and consolidated, before exporting the final CSV. It surfaces compliance gaps and data quality issues that need manual attention before finalizing the expense report.
Consolidate All Receipt Rows into One CSV Table
Use this prompt after all receipt batches have been processed in the same chat session. It consolidates every extracted row into one clean CSV block with headers, ready to copy into a spreadsheet.
Process Multiple Receipts in One Batch Upload
Use this prompt when uploading a batch of 5–10 receipt images or PDFs in the same chat session where you already ran the single-receipt extraction prompt. It tells the AI to apply the same format to multiple documents at once.
Extract Expense Data from a Receipt into CSV
Use this prompt after uploading a single receipt image or PDF to ChatGPT or Claude. It extracts structured expense data from one document and returns it as a CSV row ready for pasting into a spreadsheet.
Add Trend Analysis to a Quarterly Business Summary
Add this line to your main prompt when producing a quarterly or annual summary instead of a monthly one. Pair it with three months of figures and trend data pasted above.
Frame Negative Business Results Honestly in AI Reports
Add this line to your main prompt when the business had a bad month. It prevents AI from defaulting to overly diplomatic framing and ensures challenges are explained honestly alongside a response plan.
Write a Monthly Business Performance Summary
Use this prompt after pasting your six key financial figures and bullet-point operational notes into the chat. It converts raw monthly business data into a clean, readable partner update without accounting jargon.
Write an Overdue Invoice Payment Reminder Email
Use this prompt once per client who needs invoice follow-up each week. Fill in the bracketed fields with the client's specific invoice data and relationship details before pasting into the AI tool. Run it each time a client crosses a new overdue stage threshold.
Clarify Ambiguous Transactions Stuck in Other Expenses
Use this when many transactions have landed in 'Other Expenses' due to vague descriptions. Paste the flagged rows back into the chat alongside this prompt to get the AI to tell you what context it needs to categorize them correctly.
Generate Final Tax Summary Table for Your Accountant
Use this as the final step to generate a clean, copy-ready table formatted for your accountant, with depreciation-flagged items separated out.
Correct Miscategorized Transactions in Schedule C Summary
Use this after reviewing the initial categorized output to correct any transactions the AI placed in the wrong Schedule C category.
Categorize Bank Transactions for Year-End Tax Summary
Use this as the opening prompt before pasting any transaction data. It sets the AI's role and output format so the resulting summary is structured for a CPA rather than a casual list.
Write Compensation and Pay Schedule Section for Handbook
Use this prompt to draft the compensation section of your handbook. Keeping wage rates out of the handbook and in offer letters instead is a deliberate best practice built into this prompt.