FLEX FINANCE

CPA-supervised · AI-automated · FinOps-as-a-Service

CPA-signed books.AI-fast close.

Flex Finance pairs a licensed CPA with an autonomous bookkeeping engine. Your books close within 5 business days of month-end, every gateway reconciles itself, and nothing is filed without a CPA's signature.

Book a free Tax & Cash Flow AuditSee how it works

Flex Books · Northline Supply Co.

September 2026

Books closed · Day 4

Revenue · MTD

$312,480

+11.2% vs Aug

Expenses · MTD

$221,910

−2.8% vs Aug

Net profit · MTD

$90,570

+9.1% vs Aug

Cash on hand

$148,260

across 5 accounts

Multi-gateway clearing

  • Stripe1,284 txnsReconciled
  • Shopify Payments866 txnsReconciled
  • PayPal312 txnsReconciled
  • Payoneer41 txnsReconciled
  • Chase ••4821207 txnsReconciled

This month's entries

  • Auto-categorized2,612
  • CPA review38
  • Needs you3

Month-end close signed

Signed · J. Alvarez, CPA · Oct 4

CPA-signed

Licensed CPA oversight

Every statement, reconciliation and filing is reviewed, certified and signed by a licensed CPA.

5-day close

Audit-ready by day five

Books closed within 3 to 5 business days of month-end, not the 3 to 4 weeks a traditional firm takes.

90% automated

An autonomous engine

Document extraction, multi-gateway clearing and auto-categorization automate up to 90% of manual bookkeeping.

Secured

View-only access

Read-only bank and accountant-level QuickBooks or Xero access. We never hold your money or your credentials.

Reads from the tools you already use

  • QuickBooks Online
  • Xero
  • Stripe
  • Shopify Payments
  • PayPal
  • Payoneer
  • Gusto
  • Chase
  • Mercury
  • Brex
  • Amazon Pay
  • Square

The system at work

From activity to signed books, in five moves.

Move 01 · Feeds & documents01 / 05

Ingest

Bank and card feeds, Stripe, Shopify, PayPal and Payoneer payouts, plus supplier PDFs and receipts pulled straight out of email.

  • Bank feeds
  • 4 gateways
  • Receipt OCR
  • Supplier PDFs

Division of labour

AI does the repeatable work. The CPA owns the judgment calls.

Auto-resolved

  • Recurring vendors
  • Matched receipts
  • Reconciled gateway feeds
  • Posted with audit trail

CPA review

  • Tax treatment
  • Unclear transfers
  • Owner draws & distributions
  • Unusual vendors

Your input

  • Missing statements
  • Receipt requests
  • Plain-language questions
  • Tracked to done

Every entry keepssourceevidenceconfidencereview history

Who it's for

Built for high-transaction businesses.

Companies doing $750K to $5M a year with multi-channel payouts, heavy vendor volume and no appetite for a surprise tax bill.

The bottlenecks we take over

  • Multi-currency, multi-gateway reconciliation
  • Receipts and contractor bills lost in inboxes
  • Books that lag 3 weeks behind
  • Surprise tax liabilities at year-end

  • 01

    E-commerce brands

    Shopify, Stripe and marketplace payouts that never quite match the bank.

  • 02

    Marketing & creative agencies

    Retainers, contractor bills and client pass-throughs buried in email.

  • 03

    B2B SaaS

    Subscription revenue, deferred billing and investor-grade reporting.

  • 04

    Wholesale & distributors

    High invoice volume, inventory and multi-currency suppliers.

Pricing

Three tiers. One CPA behind all of them.

Flat monthly fees. No hourly billing, no surprise invoices. Move up a tier whenever the business does.

Tier 1

Core Compliance

$850/ month

Early SMBs ($500K–$1.5M revenue) needing accurate books and zero tax penalties.

  • Automated bank & credit-card feed categorization
  • Guaranteed month-end close within 5 business days
  • P&L, balance sheet and cash flow statements
  • Annual federal & state corporate tax return, CPA-signed
Start with Core

Tier 2 · Flagship

FinOps Automated

$1,850/ month

High-transaction operations that want fully hands-off financial pipelines.

  • Everything in Core Compliance
  • Automated accounts payable: supplier PDFs extracted straight into QuickBooks or Xero
  • Automated accounts receivable: smart dunning and collection sequences
  • Multi-gateway clearing: Stripe, Shopify, PayPal, Payoneer and bank feeds reconciled automatically
Start with FinOps

Tier 3

Fractional CFO

$3,500/ month

Scaling companies ($2M–$8M revenue) preparing for debt, equity or aggressive hiring.

  • Everything in Core and FinOps
  • AI-generated 13-week rolling cash flow and runway model
  • Monthly budget vs. actual variance analysis
  • Dedicated 45-minute monthly strategy session with the CPA
Talk to the CPA

All tiers include email and chat support with a real person, accountant-level QuickBooks or Xero access setup, and view-only bank connections.

Real complexity

Built for the parts that make SMB accounting hard.

  1. 01

    Multi-gateway payouts

    Stripe, Shopify, PayPal and Payoneer matched to orders, fees and refunds.

  2. 02

    Multi-currency

    Foreign suppliers and processors cleared at the right rate, every time.

  3. 03

    Receipts in email

    Supplier PDFs and receipts extracted from inboxes, not chased.

  4. 04

    Catch-up cleanup

    Months of backlog interpreted, documented and reconciled.

  5. 05

    Owner draws & transfers

    Own-money movement classified, not guessed.

  6. 06

    Contractor bills

    1099 vendors tracked from the first invoice.

  7. 07

    Tax position

    Liability visible every month, not discovered in April.

  8. 08

    QuickBooks & Xero

    Years of history read, kept and used.

  9. 09

    CPA handoff

    Or no handoff at all: the CPA is already in the loop.

Free · 20 minutes · with a licensed CPA

Most CPAs only tell you what you owe in April.

Our CPA team runs a free 20-minute Tax & Cash Flow Audit to find misclassified deductions, multi-gateway clearing discrepancies and operational margin leaks. You get a 3-point summary checklist whether or not you sign up.

We check for

  • 01

    Misclassified deductions

  • 02

    Gateway clearing discrepancies

  • 03

    Margin and cash flow leaks

Prefer to talk first? (908) 484-6836

Request your audit

A licensed CPA confirms a 20-minute slot within one business day.

No prep needed. No obligation.

Frequently asked

Plain answers.

Who actually signs off on my books?

A licensed CPA. The AI engine categorizes, reconciles and drafts; a CPA reviews, certifies and signs every statement, reconciliation and tax filing.

How fast is the month-end close?

Within 3 to 5 business days of month-end on every tier. Core Compliance guarantees five business days.

Which tools and gateways do you work with?

QuickBooks Online and Xero for the ledger; Stripe, Shopify Payments, PayPal, Payoneer, merchant accounts and your bank and card feeds for reconciliation.

What access do you need?

Accountant-level access to QuickBooks or Xero and view-only bank connections. We never move money and never hold your banking credentials.

Can you catch up months of backlog?

Yes. Catch-up is scoped as a one-time project before your monthly tier starts, so you begin with clean, reconciled books.

Is there a contract?

Month to month. Flat fee per tier, no hourly billing, cancel with 30 days' notice.