Billow AI Labs YC Application

Summer 2026Active

San Francisco

Billow AI Labs went through Y Combinator in the Summer 2026 batch as a B2B company. Below: what the company does, who founded it, and its application to YC, reconstructed question by question in the real YC form.

YC batch: Summer 2026
Industry: B2BFinance and Accounting
Location: San Francisco
Status: Active
Launched: 2026

Founders

Joanathan McIntoshFounder/CEO
Philip MoniagaFounder/CTO

What Billow AI Labs does

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.

Billow AI Labs's YC application, reconstructed

Y Combinator application

Billow AI Labs, Summer 2026 batch. The real form questions, answered from public data.

Founders2
Company7
Progress7
Idea4
Equity3
Curious2
Batch Preference1

Company

Company name

Billow AI Labs

Describe what your company does in 50 characters or less.

AI-native Accounting Firm that's killing Deloitte

What is your company going to make? Please describe your product and what it does or will do.

Billow is an AI-native accounting and FP&A firm. Our software automatically handles the work of in-house accountants - chasing down approvals, tracking info across 80+ systems (NetSuite, Coupa, etc.), working with complex spreadsheets, and keeping teams compliant and audit-ready. We plug directly into a company's existing stack and workflows. Teams get real, reliable accounting and regulatory coverage - without the manual grind.

Where do you live now, and where would the company be based after YC?

We live in San Francisco, and the company will stay based here after YC.

Explain your decision regarding location.

San Francisco is where the largest buyers and most complex finance teams are. It's also where the bleeding-edge AI talent is, which is critical for what we're building.

21 more answers in the full application

Founders, Progress, Idea, Equity, Curious, Batch Preference are in the full version. Create a free account to open it in YC Insights, next to every other YC batch.

See full application

Frequently Asked Questions

Is this the real Billow AI Labs YC application?

No. Y Combinator keeps submitted applications private. This is a reconstruction: the real YC form questions, answered from Billow AI Labs's public data (launch notes, founder backgrounds, product description). It shows how a company like Billow AI Labs would present itself to YC, not the text they submitted.