Set up in ~2 minutes
Connect once. We do the rest.
Restaurant, shop, service business, or freelance — link your bank and POS, and FinXteam's agents handle categorization, reconciliation, sales tax, and your live tax estimate. A CPA reviews and files. No spreadsheets, no month-end dumps.
Invite-only at launch. Approvals usually within 48 hours.
Connect your accounts
Link your business bank and credit cards through Plaid, and connect your POS. It takes about two minutes.
Read-only — we can’t move your money
We organize everything
The AI categorizes and reconciles every transaction daily, computes sales tax across all U.S. states, and tracks your tax estimate. Anything it’s unsure of goes to a licensed CPA before it touches your books.
Low-confidence items → human review
You get your numbers
A live dashboard with your P&L, cash in & out, sales tax owed, and your estimated tax bill — always current, ready for you or your CPA.
Live, all year — not once in April
The only things you might ever upload: a receipt (snap a photo or forward the email), your payroll summary, or a POS reportif your system can’t connect directly. That's it — no shoebox, no manual ledgers.
The payoff
This is what lands on your dashboard.
Not a ledger you operate — your finances, already done, in plain numbers.
Cash on hand
$128,540
+12.4%
MTD revenue
$48,210
+8.1%
Tax liability
$9,840
-3.2%
30-day forecast
$152K
+18%
Cash flow · 30 days
$128,540
Agent activity
Categorized 14 Stripe txns
just now · AI
OCR'd receipt → Office supplies
just now · AI
Reconciled BoA – $2,840.20
just now · Recon
The team behind it
Eight specialist agents, one CPA Brain.
Each agent owns one job and does it end-to-end. Together they cover the work that fills a CPA's month.
Bookkeeping
Pulls transactions from your bank and processors, categorizes them with high first-pass accuracy, and stores and matches receipts automatically.
Reconciliation
Continuous bank reconciliation engine. Matches statement lines to ledger entries, surfaces only the exceptions.
Sales Tax
Real-time tax rates on every sale, nexus threshold tracking, and prepared returns that support sales-tax filing workflows across U.S. states.
P&L
Live P&L, Balance Sheet, and Cash Flow Statement. Cash or accrual basis. Consolidated across entities.
Tax Prep
SoonPrepares quarterly estimate calculations from real numbers, deduction summaries, an M-1 book-to-tax worksheet, and CPA-ready packages. Not legal or tax advice.
Forecasting
Cash flow forecast that reads your upcoming bills. Per-stream revenue analytics. Runway projection. Variance vs. budget. Forecasts are estimates, not guarantees.
Accounting
AI-proposed accruals with paired reversals. Prepaid amortization. Fixed asset depreciation. 1-click month-end and year-end close.
Cash Planning
SoonCash visibility across your business accounts, concentration alerts, runway-aware planning, and discussion-ready options. Not investment advice.
The human layer
Your CPA, built in.
FinXteam does the books and the math. A licensed CPA signs off and files — because your return should always have a human's name on it.
Bring your own CPA
Already have an accountant? Invite them to the free CPA collaboration portal and share a one-click, CPA-ready package — every statement, worksheet, and 1099. Most charge less when the prep is already done.
Or match with one
No CPA? Get matched with a vetted CPA from the FinXteam marketplace. They review your numbers, file your return, and handle the IRS if it ever calls.
Your effort vs ours
What we need from you: almost nothing.
What you do
- Connect your bank & POS once (~2 min)
- Confirm the occasional item the AI flags
- Snap a receipt photo when you want it logged
- Drop in a payroll summary each run
What you’ll never do again
- Keep a shoebox of receipts
- Hand over a year of statements in March
- Reconcile spreadsheets by hand
- Guess what you owe at tax time
Built for trust
Connecting your bank is a big ask. We treat it that way.
Bank connections are strictly read-only — we never see or store your credentials, and the link can't move a cent.
Read-only access
Connections via Plaid are view-only. FinXteam cannot initiate transfers or move money — ever.
Encrypted end to end
256-bit AES at rest, TLS 1.3 in transit, US-hosted with row-level isolation per business.
Human in the loop
The AI never writes a high-stakes entry without a licensed CPA’s approval.
SOC 2 Type II
Independent security audit in progress. Built to enterprise controls from day one.
7-year audit log
Every change to your books is recorded and retained — audit-ready whenever you need it.
Your data, your CPA
Export anytime. Share a CPA-ready package with your accountant in one click.
FAQ
How it actually works.
Do I have to upload every receipt?+
No. Bank and POS connections pull most of your activity automatically. Receipts, a payroll summary, or a POS report are only for the few things we can’t see directly — snap a photo or forward an email. That’s the most you’ll ever upload.
Does FinXteam file my taxes?+
FinXteam prepares everything and computes your estimates, but a licensed CPA reviews and files your return — either your own accountant via the free collaboration portal, or one matched from the FinXteam marketplace. Your return always has a human’s name on it.
What if my POS can’t connect directly?+
Most major POS systems connect in a click. If yours can’t, just upload your POS report and the agents fold it into your books the same way.
See your real numbers today.
Connect your bank in two minutes and watch your books, sales tax, and tax estimate appear — done for you.