Cellect AI
Cellect AI is an AI-native operating platform for mid-size real-estate developers. Its Fi Invest, Fi Build and Fi Book modules run investment management, construction cost control and accounting against one shared set of records.
What is Cellect AI?
Cellect AI is an AI-native operating platform for real-estate development, published by CellectAI Inc. of Newark, Delaware. Its product, Fi, is split into three parts that share a single underlying set of records - the platform's central claim being one set of numbers, readable by the sponsor, the team on site and the people who funded the project alike.
Fi Invest serves principals and investor relations: deal pipeline, underwriting and what-if models, LP positions, capital calls and distributions, equity waterfalls, debt schedules, returns and investor reporting. Fi Build addresses project managers and owner's representatives with budgets and cost reports by cost code, committed, incurred, paid and unpaid figures, estimate at completion, draws and G702 forms, lender packages, change orders, RFI logs, schedules and insurance. Fi Book covers controllers and bookkeepers: payables and invoice approval, bank reconciliation, QuickBooks posting, profit and loss, balance sheet, cash flow by project and by company, fee billing, tax workpapers, audit and controls. Eleven distinct jobs are documented across the three modules.
The mechanism runs in five stages. Work arrives on its own, picked up by agents from email, Slack and shared drives, with inboxes and bank feeds watched continuously. Every document is read and cross-referenced against the books, budgets and communications. Outputs are assembled from the same records: documents filed into data rooms, signature packages prepared and sent, RFIs and change orders drafted from the source document, checklists chasing the recipient. Entries are coded before anyone opens them, with clear cases routed to accounting and unclear ones to the deal team. Nothing posts by itself - every entry comes back for human approval, and answers are computed against the books as they stand rather than a copy. Every change keeps what it replaced, and every number keeps its source.
Connected systems are QuickBooks Online as system of record, AppFolio for investor positions and distributions, Microsoft 365 for invoice intake from email and SharePoint, and Slack for reconciliation and RFI questions. Four external portals serve investors, lenders, the project team and vendors. The site reports more than $100M in projects run on the platform, and publishes one case study: Shape Equity Partners' Lugano building in Jersey City.
What it does
- Reads incoming invoices, classifies transactions and proposes journal entries for approval
- Posts approved entries to QuickBooks Online and reconciles bank feeds
- Tracks budgets by cost code with committed, incurred, paid and unpaid amounts, plus estimate at completion
- Assembles draw packages, G702 forms and lender backup from the budget itself
- Drafts RFIs and change orders from the source document and threads them with the recipient
- Models underwriting scenarios, debt schedules, refinancing and equity waterfalls
- Generates investor statements, board packs and data rooms from live project data
When to use Cellect AI / When not to
A quick filter to help you decide if Cellect AI is the right fit.
When to use Cellect AI
- Mid-size real-estate developers currently running investment, construction and accounting in three separate systems
- Sponsors and principals who need scenario models, debt schedules and equity waterfalls tied to live project records
- Project managers and owner's representatives tracking budgets, draws, RFIs and change orders while costs can still be changed
- Controllers and bookkeepers handling payables, bank reconciliation and QuickBooks postings across several project entities
- Investor relations teams producing LP statements, board packs and data rooms straight from project data
When not to use Cellect AI
- Buyers who need published pricing, since no rate card exists and the only public route in is a contact form
- Teams looking for a free plan or a self-serve trial, neither of which is offered
- Residential sales agents and brokers, whose work falls outside the development lifecycle this platform covers
- Finance teams outside the QuickBooks Online ecosystem, on which the accounting module is built
- Organisations needing a mobile app, a public API or a non-English interface, none of which is documented
How to use Cellect AI
A typical end-to-end flow, from setup to results.
- Start from the contact form, the only public route in - there is no self-serve sign-up
- Describe the project and the workflow so the team can scope the platform against your entities
- Once onboarded, sign in to the application at app.cellect.ai
- Connect QuickBooks Online as the system of record for each entity
- Connect AppFolio, Microsoft 365 with SharePoint, and Slack, so work arrives where the team already is
- Point shared mailboxes and bank feeds at the platform for continuous intake
- Let the agents read incoming documents and cross-reference them against budgets, records and communications
- Review the proposed entries: clear cases are routed to accounting, unclear ones to the deal team
- Approve, at which point the work is booked to QuickBooks and filed
- Publish outputs through the investor, lender, project-team and vendor portals rather than by email
Pros & Cons
Pros
- Three normally separate disciplines - investment, construction and accounting - run against one shared set of records
- Human approval is mandatory: nothing posts on its own, and every entry comes back for sign-off
- Answers are computed against the live books rather than an exported copy
- Strong stated traceability: every change keeps what it replaced, every number keeps its source, figures tie out across systems
- Documents are drafted from the source they arrived on, so RFIs and change orders are not re-keyed
- QuickBooks Online stays the client's own system of record, with entries posted only after approval
- Recent and detailed privacy policy with quantified retention periods, TLS 1.2 or higher in transit and AES-256 at rest
Cons
- No published pricing at all: no rate card, no range and no billing unit anywhere on the site
- No free plan and no free trial, and no self-serve access - the only entry point is a contact form
- No about page, no named team and no identifiable founder
- No published security certification such as SOC 2 or ISO 27001, despite the platform holding ledgers and investor data
- No Data Processing Agreement, no named subprocessor list and no Article 27 EU representative
- No public API documentation and no mobile application; the interface is English-only as far as the site shows
- Very young company - domain registered in June 2025, first Wayback capture in October 2025 - with a single published client reference
Pricing & Plans
No pricing is published. Cellect AI advertises neither a free plan nor a free trial, and no rate card, price range or billing unit appears anywhere on the site, whose complete sitemap contains no pricing page. Access is arranged through the contact form, which places the tool in a contact-sales model. The privacy policy does refer to payment information and third-party payment processors, confirming that the product is paid, but discloses no amount. Prospective buyers should also note that the Terms of Use cap the vendor's total liability at fifty US dollars.
Data, GDPR & hosting
A consolidated view of how Cellect AI handles your data.
GDPR overview
Cellect AI never claims GDPR compliance in so many words, but the privacy policy of 13 January 2026 sets out concrete machinery. A dedicated section names five legal bases for EEA and UK users: contract, legitimate interests, consent, legal obligation and vital interests. GDPR-specific rights are listed - portability, restriction of processing, objection, withdrawal of consent and complaint to a local supervisory authority - alongside universal rights of access, correction and deletion, with a stated response time of roughly thirty days. International transfers rely on adequacy decisions, EU-approved Standard Contractual Clauses, certification programmes and binding corporate rules. Requests go to support@cellect.ai. Two gaps stand out: no Article 27 EU representative is designated, and no Data Processing Agreement is published or offered.
Who owns the data?
Under the Terms of Use, User Content remains yours: you submit it and you are solely responsible for it, while CellectAI Inc. takes only a licence over it. That licence is broad in kind - irrevocable, non-exclusive, royalty-free, worldwide, covering reproduction, display, derivative works and sublicensing - but bounded in purpose, granted solely to include your content in the Site. Any feedback you send is assigned outright to the company. The privacy policy states that personal information is not sold to third parties. Two reservations deserve attention: Cellect has no obligation to back up your content, and that content may be deleted at any time without prior notice.
Reuse rights
The published Terms are website terms of use rather than a service agreement. They grant a non-transferable, non-exclusive, revocable licence to use the Site for personal, non-commercial purposes only, and expressly forbid selling, redistributing, hosting or otherwise commercially exploiting the Site or the content displayed on it, reverse engineering it, or accessing it to build a competing product. Nothing published grants a right to reuse Cellect's own material freely. Your operating records are a separate matter: approved entries are posted into your own QuickBooks Online account, so the books stay in a system you control. On the vendor's side, the privacy policy says personal information feeds service delivery, personalisation, support, analytics, marketing and research, and that AI models are trained on aggregated and de-identified data only, never on data obtained through Google APIs.
Data retention & training
Hosting summary
Cellect AI states that its Services are operated primarily from the United States, and that information may be transferred to, stored and processed in the United States and in other countries where the company or its service providers operate. No data centre, hosting provider or specific region is named, and no EU or regional residency option is offered. For transfers out of the EEA or the UK, the privacy policy relies on adequacy decisions, EU-approved Standard Contractual Clauses, certification programmes and binding corporate rules, and invites EEA and UK users to ask for further detail on the safeguards applied. As a purely technical indication, the website itself resolves to a United States address (100.35.171.97, Red Bank, AS701 Verizon Business) - a network fact, not a vendor statement about where customer data lives. Security measures described include TLS 1.2 or higher in transit, AES-256 or equivalent at rest, role-based access control, multi-factor authentication for administrative access, and encrypted backups with tested recovery procedures. No hosting or security certification is published.
Things to keep in mind
Risks and trade-offs to weigh before adopting Cellect AI.
- Approval fatigue: when entries arrive pre-coded and mostly right, rubber-stamping becomes the path of least resistance and the human check quietly stops being one
- Skill erosion: teams that no longer build budgets, reconciliations and waterfalls by hand may lose the instinct for spotting when the machine is wrong
- Aggregated and de-identified customer data is used to train the vendor's models, and no opt-out from that training is documented
- The Terms disclaim any obligation to provide support or maintenance, and any obligation to back up your content, which may be deleted without prior notice
- Total liability is capped at fifty US dollars, a striking figure for a system holding project ledgers and investor records
- Binding JAMS arbitration with class-action and jury-trial waivers applies unless you opt out in writing within thirty days
- Concentration risk: placing underwriting, construction cost and the books on one very young vendor's platform makes an outage or an exit expensive
Setup & Integrations
Technical difficulty
Moderate, and largely outside the buyer's control. No installation or configuration documentation is published, and setup begins with a commercial conversation rather than a sign-up. The work itself is integration work: connecting QuickBooks Online for each entity, then AppFolio, Microsoft 365 with SharePoint, Slack, bank feeds and shared mailboxes. Cellect plugs into existing systems rather than replacing them - the case study shows entries posted to the client's own QuickBooks. Nothing public allows the effort or the timeline to be estimated, so scoping should be treated as part of the sales discussion.
Deployment
Integrations
Behind Cellect AI
Resources
All the official URLs gathered for verification and reference.
Frequently asked questions
What does Cellect AI actually do?
Who is it built for?
What are Fi Invest, Fi Build and Fi Book?
Does the AI post accounting entries on its own?
Which systems does it integrate with?
How much does it cost?
Is there a mobile app or a public API?
Is customer data used to train the models?
Where is data hosted and how long is it kept?
How do you get in touch?
Should you pick Cellect AI?
Cellect AI is unusually focused. It does not sell itself to the real-estate industry at large but to a narrow slice of it - mid-size developers who fund, build and book their own projects - and the problem it names is a real one: three disconnected systems, and figures reconstructed at quarter end instead of being current when a decision still matters. The one set of numbers thesis answers that directly, and the platform backs it with a genuinely useful guardrail: nothing posts on its own. Every entry returns for approval, computed against the live books rather than an exported copy, and every superseded version is kept.
Against that stand real unknowns. The company is very young - the domain dates from June 2025 and the first web archive capture from October 2025 - and publishes no about page, no team and no founder. One client reference exists. There is no pricing of any kind, no free plan, no trial and no self-serve path, so evaluating the tool means talking to a salesperson first. The legal hygiene is thinner than the product deserves: no Data Processing Agreement, no named subprocessors, no Article 27 EU representative, no SOC 2 or ISO 27001 certification, and a privacy policy carrying visible boilerplate that has nothing to do with the product. Liability is capped at fifty US dollars and disputes go to binding arbitration unless you opt out in writing within thirty days.
The reasonable posture is therefore interest rather than commitment. For a developer juggling underwriting spreadsheets, a construction cost tracker and a bookkeeper, the demonstration on your own numbers is worth taking. Treat the contractual and security review as a serious exercise before moving live ledgers onto it.
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