The AI CPA Brain for small & medium business

Prepare your day-to-day business finances.
No risk. No IRS penalty.

FinXteam's AI records every transaction, catches every deduction, and tracks what you'll owe in real time. A licensed CPA reviews and signs. Nothing slips through.

Request access See how it works

Read-only bank access

A real CPA signs off

7-year audit trail

Invite-only at launch. Approvals usually within 48 hours.

Built for the small & medium businesses that keep Main Street running

Restaurants & cafésRetail & e-commerceFreelancersHome & trade servicesGrowing SMBs

01 · The real problem

Even the best CPA is only human.

Your accountant juggles dozens of clients and sees your numbers a few times a year. Between visits, transactions pile up, deductions slip by, and small mistakes — a misplaced digit, a missed deadline, a forgotten form — turn into penalties, interest, or an audit. Not because they're careless. Because they're human, and humans get tired.

Your numbers, weeks behind

Month-end-only bookkeeping means you run the business looking in the rear-view mirror — deciding today on numbers from last month.

Deductions left on the table

Mileage, Section 179, R&D, prepaids. A human reviewing once a quarter can’t claim what they never saw — and that’s money out of your refund.

Human error costs you

A wrong number, a late filing, a form left out. Even great CPAs make mistakes while juggling 50 clients — and it’s you who eats the penalty and the audit risk.

See what we built instead

02 · The fix

A finance team that never sleeps — and never forgets.

FinXteam pairs an AI CPA Brain with a human CPA. The AI does the daily grind across every transaction; the CPA reviews and signs. You get both — machine consistency and human judgment, each covering the other's blind spots.

Fixes #1 · behind

Reconciled every day

Your books update daily, not at month-end. Open the dashboard and you always know exactly where you stand — cash, profit, and tax owed.

Fixes #2 · deductions

Every deduction, flagged

The AI scans every transaction for mileage, Section 179, R&D and more — so nothing eligible is ever left on the table.

Fixes #3 · errors

Every line checked, then signed

95% first-pass accuracy, and every uncertain item is reviewed by a licensed CPA before it hits your books. Mistakes get caught before they cost you.

03 · The honest difference

See it side by side.

We won't claim AI is perfect — anyone who says so shouldn't touch your taxes. We claim nothing slips through: every transaction checked, and a human CPA on the high-stakes calls.

Shoebox / DIYCPA onlyFinXteam (AI + CPA)

How often books updateWhen you get to itMonthly / quarterlyDaily

Transactions checkedSomeSampledEvery one

Deduction discoveryEasy to missIf they have timeFlagged automatically

Sales tax across the U.S.ManualAdd-on / extra feeAll 50 U.S. states

Know your tax billIn AprilAt year-endLive, all year

Risk of human errorHighHuman, once a yearAI checks every line

Human CPA files & signsYou’re on your ownYesYour CPA or our marketplace

04 · What you actually get

Less worry. Bigger refund. No surprises.

95%

first-pass accuracy, every transaction

U.S. states — sales tax tracked & filed

~90%

of typical CPA prep, automated

Daily

books update — not once a year

05 · Your CPA, upgraded

We make your CPA 10×— we don't fire them.

FinXteam does the daily operational work; a CPA reviews the numbers, files your return, and represents you if the IRS ever calls. Keep your own accountant and invite them to the free CPA collaboration portal, or get matched with a vetted CPA from the FinXteam marketplace. Your return always has a human's name on it — and because the prep is done, many clients' CPAs charge far less.

Explore FinXteam for CPAs

FinXteam AIRecords, reconciles & categorizes every transaction, daily

FinXteam AIFiles sales tax in all 50 U.S. states, tracks your live tax estimate

Human reviewA licensed CPA signs off on anything uncertain

A CPAReviews, files the return & handles audits — yours, or a marketplace match

“I used to dread tax season. Now my CPA just downloads the tax package directly from FinXteam. It saves us both a ton of time.”

— Marcus Rivera, Owner, Rivera Contracting

FAQ

Honest answers.

Does FinXteam replace my CPA?+

No — it makes them far more effective. FinXteam does the daily operational work (categorization, reconciliation, sales tax, statements, estimates), and a licensed CPA reviews and files. Keep your own accountant via the free CPA collaboration portal, or get matched with a vetted CPA from the FinXteam marketplace.

You say CPAs make mistakes — but you also use CPAs?+

Right. A human working alone, a few times a year, will miss things — that’s not a knock on the profession, it’s how humans work. The fix isn’t no CPA; it’s an AI that checks every transaction continuously plus a CPA who reviews and signs. Together they catch what either would miss alone.

Is my financial data secure?+

Yes. Bank connections are read-only — we never see or store your credentials and the connection cannot move money. Data is encrypted with 256-bit AES at rest and TLS 1.3 in transit, US-hosted, with a 7-year audit trail. SOC 2 Type II is in progress.

Stop managing money in the rear-view mirror.

Connect your bank in two minutes. See your real finances, your deductions, and your tax estimate today — not next spring.