Built for US small business
Every vertical has its own accounting weirdness.
Restaurant tips are a payroll liability, not revenue. E-commerce payouts span 47 sales with different jurisdictions. Construction job costing has to tag every receipt to a project. Pick your industry; we'll show you how FinXteam AI prepares review-ready books for the specifics — you or your CPA approve the final filings and decisions.
Multi-channel sales, multi-state nexus, multi-processor reconciliation.
Direct-to-consumer brands selling through Shopify, Amazon, and their own checkout. $250K–$25M ARR.
Example customer
A skincare brand on Shopify + Amazon doing $2M ARR across 14 US states.
Agents that matter most
The accounting pain
- Stripe payouts arrive as a single deposit but cover 47 underlying sales with different tax jurisdictions.
- Nexus thresholds trip silently when a single viral product crosses $100K in one state.
- COGS spans freight, packaging, and Amazon FBA fees that show up on different statements.
What FinXteam AI prepares for review
Per-channel revenue reconciliation
Shopify orders → Stripe payouts → bank deposits, end-to-end matched.
Nexus Watch + AutoFile
Live exposure tracking across all 50 states; a prepared filing you approve when you cross.
FBA fee categorization
Amazon settlements parsed line-by-line into the right COGS accounts.
Refund + chargeback handling
Negative revenue accounted correctly so margin doesn't lie.
POS sales, daily deposits, sales tax by jurisdiction.
Brick-and-mortar retailers on Square, Shopify POS, or Clover. Often 1–10 locations across multiple states.
Example customer
A coffee roaster with 3 retail cafés in CA + a national wholesale book.
Agents that matter most
The accounting pain
- Daily cash + credit deposits don't cleanly map to the POS sale total because of fees, tips, and timing.
- Multi-location books mean multi-jurisdiction sales tax — every storefront is its own filing.
- Inventory shrinkage and COGS adjustments get postponed because the accounting is painful.
What FinXteam AI prepares for review
POS-to-bank reconciliation
Daily Square / Shopify POS deposits matched to underlying sales, fees split out.
Per-location sales tax
Each storefront's nexus tracked separately; combined returns where states allow.
Bank deposit ↔ daily-sale matcher
Reconciliation Agent learns your deposit timing and auto-clears.
COGS allocation
Inventory cost flowed through to gross margin per location.
Daily POS close, tip allocation, food cost as a % of revenue.
Restaurants, cafés, and food service operators on Toast, Square, or Clover. Single location or small group.
Example customer
A 60-seat neighborhood restaurant doing $1.4M revenue with 14 employees.
Agents that matter most
The accounting pain
- POS sales include tips that pass through to staff — they're not revenue, but they look like it on the bank.
- Food cost % requires inventory tracking most operators don't have time to do.
- Tip reporting + tipped-employee payroll has compliance teeth that grow with the bill.
What FinXteam AI prepares for review
Tip pass-through accounting
Tips reclassified out of revenue, into the right payroll liability accounts.
Food cost % tracking
Live cost-of-goods-sold against revenue, surfaced per period.
POS reconciliation
Daily POS close matched to the bank deposit; variance queue for owner review.
Per-server tip register
Audit-grade history of tip allocation for tip-credit compliance.
Deferred revenue, MRR analytics, accrual-basis statements investors expect.
SaaS startups, subscription businesses, and digital products. Pre-seed through Series B.
Example customer
A B2B SaaS startup at $80K MRR raising a Series A.
Agents that matter most
The accounting pain
- Customers prepay 12 months; that cash is not revenue this month, it's deferred — and most tools get this wrong.
- Investors want accrual-basis statements with proper revenue recognition. Spreadsheets don't scale.
- MRR / churn / net retention need to roll up cleanly from Stripe events to the GL.
What FinXteam AI prepares for review
Deferred revenue recognition
Multi-period revenue schedules with proper ASC 606 timing.
MRR + retention analytics
Per-stream metrics: new, expansion, contraction, churn — sourced from Stripe.
Accrual-basis P&L
Investor-ready statements with timing entries auto-applied each month.
Cap-table-aware reporting
Convertible / SAFE accounting handled correctly in equity.
Retainer invoicing, project profitability, contractor 1099s.
Agencies, consulting firms, law firms, design studios, freelancers. Project-based or retainer revenue.
Example customer
A 12-person design agency doing $3M in revenue across 40 client engagements.
Agents that matter most
The accounting pain
- Retainer customers want recurring invoices that just work — and slip-ups erode the relationship fast.
- Project profitability is invisible unless you carefully tag costs by client, which nobody does.
- Year-end 1099s for every contractor paid over $600 is a January scramble most years.
What FinXteam AI prepares for review
Recurring invoice templates
Set the cadence; invoices spawn, send, and remind themselves.
Project-tagged P&L
Costs and revenue tagged per client / project; gross margin per engagement.
1099 auto-generation
Issued to every contractor at the IRS Jan 31 deadline, no scramble.
Quote → invoice conversion
Send a quote; convert to invoice when the client signs.
Job costing, progress billing, multi-state sales-tax exposure on materials.
General contractors, specialty trades, and home-services businesses. Project-based, often multi-state.
Example customer
A $4.5M general contractor running 20–30 simultaneous residential jobs.
Agents that matter most
The accounting pain
- Job costing requires tagging every expense to a project — but the bookkeeper falls behind, so margins are unknown until year-end.
- Progress billing means invoicing partial completion; reconciling to actual costs gets messy fast.
- Material purchases trip sales-tax exposure in states you didn't know you had nexus in.
What FinXteam AI prepares for review
Per-job profitability
Costs and revenue tagged by job; running gross margin per project.
Progress invoicing
Partial-completion invoices with retainer tracking.
Materials sales-tax
Multi-state purchase tracking and use-tax accruals where needed.
Subcontractor 1099s
Auto-issued to every sub paid over $600 in the year.
Don't see your industry?
We work with US small businesses across most verticals — manufacturing, real estate, healthcare practices, transportation, more. Tell us about your business and we'll show you the right agent mix.
Talk to usStart with your industry baseline.
Connect your bank, and the right agents activate for your business profile.
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