CPA-supervised · AI-automated FinOps
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.
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.
- 01IngestFeeds & documents
- 02CategorizeAI, with evidence
- 03ClearMulti-gateway reconciliation
- 04ReviewThe CPA decides
- 05Close & signDay 3 to 5
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
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
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
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.
01
Multi-gateway payouts
Stripe, Shopify, PayPal and Payoneer matched to orders, fees and refunds.
02
Multi-currency
Foreign suppliers and processors cleared at the right rate, every time.
03
Receipts in email
Supplier PDFs and receipts extracted from inboxes, not chased.
04
Catch-up cleanup
Months of backlog interpreted, documented and reconciled.
05
Owner draws & transfers
Own-money movement classified, not guessed.
06
Contractor bills
1099 vendors tracked from the first invoice.
07
Tax position
Liability visible every month, not discovered in April.
08
QuickBooks & Xero
Years of history read, kept and used.
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.
Frequently asked
Plain answers.
Who actually signs off on my books?
A licensed US Certified Public Accountant (CPA). The AI engine categorizes, reconciles and drafts; a licensed CPA reviews, certifies and signs every statement, reconciliation and corporate 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, Amazon Pay, Square, merchant accounts and your bank and card feeds for reconciliation.
How does multi-gateway reconciliation work for Stripe and Shopify?
Processors deposit payouts net of fees, refunds, chargebacks and FX adjustments. Our clearing engine matches every batch payout against order-level gateway transactions so gross revenue, processing fees and clearing accounts reconcile to the penny.
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 flat-fee project before your monthly tier starts, so you begin with clean, reconciled books.
How is Flex Finance different from a traditional CPA firm or software-only tools?
Traditional CPA firms bill by the hour and take 3 to 4 weeks to close each month. Pure software leaves compliance to you. Flex Finance combines an autonomous AI pipeline (automating up to 90% of repeatable categorization) with a licensed CPA who signs off every month.
What happens during the free 20-minute Tax & Cash Flow Audit?
A licensed CPA reviews your current ledger and gateway setup to flag misclassified deductions, multi-gateway clearing discrepancies and margin leaks. You receive a 3-point diagnostic summary whether or not you sign up.
Is there a contract?
Month to month. Flat fee per tier, no hourly billing, cancel with 30 days' notice.
Where is The Flex Finance based?
The Flex Finance (theflexfinance.com) is a United States CPA-supervised financial operations firm serving US businesses nationwide. We are an independent US firm and are not affiliated with useflexfinance.com.