8 AI Agents for Small & Medium Businesses
Powered by the AI CPA-grade Brain
A finance team that watches every dollar and every deadline. 8 AI agents run your bookkeeping, sales tax, reconciliation, cash flow, and reports so your books stay clean and you never sweat tax season.
Invite-only at launch. Approvals usually within 48 hours.
Finxteam AI DashboardCash today
$3.6M
Money in
$3.18M
Money out
$2.10M
Profit / loss
$1.08M
Revenue vs profit vs expenses
$3.18M revenue
$3.18M
Revenue
$2.10M
Expenses
$1.08M
Net profit
Expense breakdown
$2.10M total expenses
AI agents action
Bookkeeping
AI246 expenses coded
Reconciliation
AI92% matched
Sales-Tax
AI6 states tracked
P&L
AIProfit gap found
Tax Prep Support
AIQ2 packet ready
Revenue & Forecasting
AIRunway +19 days
Accounting
AIBooks in sync
Cash Planning
AI60d plan set
FinXteam prepares review-ready outputs — it does not replace a licensed CPA. You or your invited CPA approve all final books, filings, and decisions.
Connects to the tools your business already runs on
Meet the team
Eight specialists.
One finance team.
Six operational agents do the work a CPA bills for. Two strategic agents — coming soon — make the calls.
Bookkeeping
Every dollar, in the right account, without the data entry.
Reconciliation
Books matched to bank activity daily, with exceptions routed for review.
Sales-Tax
Calculate. Track nexus. Prepare returns. Across U.S. states.
P&L
Statements that stay continuously updated and ready for review.
Accounting
Accruals, prepaids, depreciation, close — without the GAAP migraine.
Revenue & Forecasting
See what's coming — cash, revenue, runway.
Tax Prep Support
Review-ready estimates, deduction summaries, and M-1 support — for your CPA to approve.
The AI CPA-grade Brain
Routes the right tool. Asks before writing.
The AI CPA-grade Brain is an AI-powered finance system, not a licensed CPA firm. One tool-routed AI under the hood prepares books, reports, sales-tax workflows, and CPA-ready packages; eight specialists on the marketing surface show you who did what, every time — and you (or your CPA) approve every write.
How the brain worksThe wiring. In one diagram.
The problem
"Am I about to run out of cash?"
Most SMBs fail not from lack of profit — from lack of cash. But your bank balance lies, because it doesn't know about the rent that's about to hit or the customer who paid 47 days late.
Live cash flow with a 30-day forecast that reads your books
See Money In, Money Out, Net, and a 30-day forecast that pulls from your upcoming bills and historical receivables. Runway projection at current burn. Insight cards flag concerns before they bite.
- Live cash flow. Money In / Money Out / Net, updated per transaction
- 30-day forecast. Reads upcoming recurring bills automatically
- Runway projection. Months at current burn — and what changes it
- Insight cards. "You're on pace to exceed Q2 revenue by $30K"
Live cash flow
Money In / Money Out / Net, updated per transaction
30-day forecast
Reads upcoming recurring bills automatically
Runway projection
Months at current burn — and what changes it
Insight cards
"You're on pace to exceed Q2 revenue by $30K"
The problem
You spend 10 hours a week on bookkeeping you didn't start a business to do
Dragging transactions into categories. Hunting for receipts. Reconciling a $0.37 difference at midnight. Chasing a customer whose invoice is 60 days out.
AI categorizes, OCRs, reconciles, and chases — you review the few exceptions
The Bookkeeping Agent classifies every charge with 90%+ accuracy. Receipts OCR and auto-match. The Reconciliation Agent matches daily, not month-end. Recurring bills auto-match with reminders 5 days before due.
- AI categorization. 90%+ first-pass; confidence gating surfaces only what needs review
- Receipt OCR. Snap → extract → match → file. No more shoeboxes.
- Continuous reconciliation. Daily match; rule builder for recurring patterns
- Recurring bills. Auto-match payments at 90%+ confidence; reminders 5 days out
- Invoicing & AR. Quotes → invoices → recurring templates → payment reminders
AI categorization
90%+ first-pass; confidence gating surfaces only what needs review
Receipt OCR
Snap → extract → match → file. No more shoeboxes.
Continuous reconciliation
Daily match; rule builder for recurring patterns
Recurring bills
Auto-match payments at 90%+ confidence; reminders 5 days out
The problem
Sales tax nexus changes by state. Income tax is a year-end surprise. Penalties are real.
Selling in 12 states means 12 rate tables, 12 thresholds, 12 portals. Quarterly estimates are guesses. Your CPA shows up at year-end with a $4,000 bill and a stack of adjusting entries.
Every rate. Every threshold. Every filing. Quarterly estimates from real numbers.
The Sales-Tax Agent applies the right rate per jurisdiction in real time, tracks nexus exposure live, and prepares filings via AutoFile, submitted on your approval. The Tax Prep Support Agent prepares federal + state quarterly estimates from your actual books and produces a CPA-ready package at year-end.
- Real-time sales tax calc. Every product, every jurisdiction, updated as states change rules
- Nexus Watch. Alerts before you trip $100K / 200-txn thresholds per state
- AutoFile filing support. All 50 states; filed on your approval, exemption certificates auto-applied
- Quarterly tax estimates. Federal + state, from actual income & deductions
- M-1 Book-to-Tax worksheet. CPA-ready reconciliation of book net income → taxable income
- 1099 generation. Issued to your contractors at year-end with one click
Real-time sales tax calc
Every product, every jurisdiction, updated as states change rules
Nexus Watch
Alerts before you trip $100K / 200-txn thresholds per state
AutoFile filing support
All 50 states; filed on your approval, exemption certificates auto-applied
Quarterly tax estimates
Federal + state, from actual income & deductions
The problem
Your books are fine — until you raise capital, get audited, or buy another company.
Investors want accrual statements. Lenders want a balance sheet. The auditor wants every entry traced. The CFO of the company you just acquired wants consolidated FX-translated statements with intercompany eliminated.
GAAP-grade accounting, audit trail, and multi-entity consolidation — built in.
The Accounting Agent proposes accruals, amortizes prepaids, runs depreciation, and orchestrates close. Multi-entity consolidation rolls up entity groups with intercompany elimination and FX translation. Every change is logged in the audit trail for 7 years.
- Accruals, prepaids, deferred revenue. AI-proposed entries with paired reversals
- Fixed assets & depreciation. Straight-line and sum-of-digits, auto-computed
- Month-end & year-end close. 1-click orchestrator; book lock for year-end
- Consolidated statements. Multi-entity roll-up with intercompany elimination + FX translation
- Audit log. 7-year retention; who changed what, when, why
- CPA Portal. Read-only access for your accountant; review threads; one-click tax package
Accruals, prepaids, deferred revenue
AI-proposed entries with paired reversals
Fixed assets & depreciation
Straight-line and sum-of-digits, auto-computed
Month-end & year-end close
1-click orchestrator; book lock for year-end
Consolidated statements
Multi-entity roll-up with intercompany elimination + FX translation
What your finance team handles
The work your CPA bills you for. Done by AI.
Six agents handle the routine month-to-month work — bookkeeping, reconciliation, filings, statements, accruals, close. Two strategic agents (both coming soon) add the advisory layer: the Tax Prep Support Agent for quarterly estimates, deductions, M-1, and year-end packages; the Cash Planning Agent for excess-cash placement, retirement-account fit, and concentration-risk monitoring.
Routine work
70–80%
The mechanical part of a CPA's month — recorded by the six operational agents.
- Records every transaction with 90%+ accuracy
- Reconciles the bank daily, not month-end
- Calculates sales tax for every jurisdiction
- Files state sales-tax returns through AutoFile, once you approve
- Proposes accruals, prepaids, and depreciation
- Prepares the month-end close for your review
- Prepares 1099s for every contractor
- Live-tracks cash, revenue, sales, expenses
Strategic work
20–25%
The high-judgment work most CPAs charge $300–$500/hr for — handled by the Tax Prep Support Agent.
- Federal + state quarterly estimates from real numbers
- M-1 Book-to-Tax reconciliation worksheet
- Deduction discovery — mileage, R&D, Section 179
- Year-end tax planning + scenario modeling
- CPA-ready year-end package with every exhibit
- Live tax liability tracking through the year
The only thing left for a human: signing the IRS audit representation, if you ever get one. Everything else — every invoice categorized, every sales-tax return filed once you approve, every quarterly estimate prepared, every year-end package readied — is handled by the agents, with you (or your CPA) approving every write before it lands.
Customers
Loved by SMBs across America
From Brooklyn brownstones to Austin contractors — operators who'd rather build their business than wrestle a spreadsheet.
“FinXteam AI cut my bookkeeping from 10 hours a week to 30 minutes. The Sales-Tax Agent caught a Florida nexus threshold I would have tripped two weeks later — that alone paid for the year.”
Sarah Chen
Founder, Bloom Studio (Brooklyn, NY)
“Tax season used to wreck my March. Now my CPA pulls the M-1 worksheet, 1099s, and depreciation schedules directly from FinXteam AI. He charged me 60% less this year.”
Marcus Rivera
Owner, Rivera Contracting (Austin, TX)
“The Forecasting Agent flagged that we'd be short for payroll in 5 weeks. We pulled forward two customer invoices and made it without scrambling. That kind of warning is everything.”
Priya Patel
CEO, GreenLeaf Catering (Chicago, IL)
“Quarterly estimates used to feel like guessing. The Tax Prep Support Agent computes mine from real numbers — I haven't been surprised by a tax bill in 18 months.”
James Thompson
Freelance Designer, Self-employed (Portland, OR)
Pricing
Less than a single hour of your CPA's time
Affordable, flat-rate pricing for small and medium businesses. Contact us and we’ll share the plan that fits.
Pricing
Contact us for pricing
We don't sell one-size-fits-all packages. Tell us about your business and we'll give you the best price for your size — most owners pay less than a single hour of their CPA's time.
hello@finxteam.comFAQ
Questions, answered honestly
Not 100% — and we're honest about that. Today FinXteam automates 90%+ of the routine operational work — categorization, reconciliation, sales-tax prep, statement prep, accruals, depreciation, and 1099s — with you or your invited CPA approving the rest. We're rapidly automating more of the workflow through our AI agents, and two strategic teammates are coming soon: the Tax Prep Support Agent (quarterly estimate prep, deductions, M-1 support) and the Cash Planning Agent (cash visibility, runway, and concentration alerts). Keep a human CPA for advisory, audit representation, and final sign-off. You also get live tracking of cash flow, budget, tax, revenue, sales, and expenses.
QuickBooks is a ledger you operate. FinXteam AI is a team of AI agents that operate the ledger for you. We do every shipped accounting task end-to-end — categorization, reconciliation, accruals, depreciation, sales-tax filing, M-1 worksheet, consolidated multi-entity statements — and only ask you about the few items the AI isn't certain of. QuickBooks expects you to know the answer; FinXteam AI proposes the answer and shows you why.
First-pass categorization runs at 90%+ accuracy in the first month. Every transaction shows a confidence score; anything below threshold lands in your review queue. Corrections feed back into the model — by month two it knows your business. The AI never books a write entry to your ledger without your approval; high-stakes work like accruals or year-end close goes through a proposal queue.
Yes. Bank connections are read-only — we never see or store your credentials, and the connection can't initiate transfers or move money. All data is encrypted at rest with 256-bit AES, in transit with TLS 1.3, US-hosted with row-level security isolating every business. SOC 2 Type II is in progress. Audit log retains 7 years of every change to your books.
Absolutely — there's a dedicated CPA Portal with read-only access, review threads, and one-click tax-package export. CPAs can comment on transactions, propose adjustments, and pull every statement they need. We've built it so your accountant becomes a reviewer, not a re-keyer.
US small and medium businesses — typically $50K to $50M in annual revenue. We're strongest for e-commerce (multi-channel reconciliation), professional services (recurring invoicing + project tracking), retail/restaurants (POS + sales-tax automation), and multi-entity holding structures (consolidated statements with intercompany elimination).
Under 15 minutes to first signal. Connect your primary bank (2 min), link your payment processors (Stripe / Shopify / Square — 3 min each), and the agents start working. Your first P&L is ready within a couple of hours as transactions sync.
Put your accounting on autopilot.
Keep your weekends.
Connect your bank, meet your eight agents, and ship your first reconciled P&L in under an hour.
Invite-only at launch. Approvals usually within 48 hours.