Merchandise Financial Planning,
automated end to end.
MFP is the Intelo Agent Team that builds, stress-tests, and continuously reconciles your merchandise financial plan. Business plan, open-to-buy, and scenario planning — live, not quarterly.
What the MFP Agent Team does.
MFP automates merchandise financial planning across every level of your hierarchy — company, division, department, class, subclass. The team owns the business plan, the open-to-buy, and the scenario planning motion, keeping them reconciled with demand forecasts and in-season performance in real time.
Four agents that replace the quarterly cycle.
- AGENT 01
Merchandise Financial Planning
Builds the sales, margin, inventory, and markdown plan at every hierarchy level. Reconciles automatically with corporate targets, historical performance, and live demand forecasts from Merchant Analytics.
- AGENT 02
Business Planning
Translates enterprise financial targets into merchandising-level goals and tracks variance continuously. Flags where plans are drifting out of tolerance before the month closes, not after.
- AGENT 03
Open-to-Buy Manager
Computes available-to-spend at any hierarchy level, any time. Reacts to in-season performance — if sell-through accelerates, OTB expands; if it slows, commitments are tightened automatically.
- AGENT 04
Scenario Planning
Models the financial impact of decisions before you make them — price changes, receipt shifts, assortment edits, macro shocks. Surfaces tradeoffs in minutes instead of modeling sprints.
The plan should not be a quarterly artifact.
In most retailers, the MFP is built in Q4, broken in Q1, and debated for the rest of the year. Intelo's MFP Agent Team keeps the plan live — connected to demand, execution, and pricing — so the business works off one set of numbers, every day.
Always reconciled.
Plan, OTB, and scenario models share one continuously-updated forecast and actuals stream.
Every level, every cut.
From company roll-up to class-level attribute plans — with automatic top-down / bottom-up reconciliation.
Scenarios in minutes.
Ask "what if we shift $8M of receipts from Q2 to Q3?" — get a full P&L impact without a modeling sprint.
MFP is the financial operating system the other teams answer to.
Merchant Analytics
Demand forecasts, newness predictions, and lost-sales signals flow into plan and scenario models continuously.
ALIGNS WITHAssortment Planning
Assortment architecture decisions slot into the financial plan automatically — no second spreadsheet.
COMMITS TOIn-Season Management
OTB commitments drive allocation and replenishment; in-season drift flows back into plan variance.
GUARDSPricing & Promotion
Markdown and promo plans are tested against financial targets before they're executed.