Every feature, in full. Built the hard way, on purpose.
Everything Finzu does today, how we keep your data secure, and what's coming next.
Features
Everything, for everyone
Every feature, for every customer. The first two groups are the reason Finzu exists, and you will not find them in a traditional ledger.
Accounting that never closes
Only on Finzu
Every transaction is recognised, reconciled and posted as it happens, so there is no month-end close to wait for.
Live daily accounting
the ledger is right as you go, so there is nothing to close
Revenue and cost recognition, automated and auto-reconciled
no month-end journals required
Full P&L, balance sheet and cash flow for any period
any day, any range, on demand
Forward-looking accounts
Only on Finzu
Your forecast lives in the same ledger as your actuals, built from your real customers, suppliers and products, so it updates itself as the business moves.
The forecast sits in the ledger
not in a separate model that needs updating
Intelligent forecasting by supplier, customer and product
built from your actual relationships, not an assumption
Cash-flow forecasting for any range
daily or weekly, at the invoice level, from the same live data
Customers, AR
Pipeline bookings and quotes
Auto customer invoice generation
Customer PO balance tracker
Intelligent relationship management
owners, approvals and queries across customers and suppliers
Suppliers, AP
Smart Document Capture for supplier invoices
Approval workflows
Supplier spend, actual and forecast
every relationship tracked end to end
Banking and cash
Live bank connection to 99% of UK banks
Auto bank reconciliation
Multi-currency
live daily exchange rates
Employees
Employee management
Employee payroll history
from payslips you upload from your current provider
Employee cost forecasts
forecast all your payroll costs and payments, employee by employee
Planned hires
forecast costs for the hires you plan to make
Reporting and insight
Real-time reports and dashboards
Flexible reporting views
Analysis tagging
flexible and customisable data tagging
Financial data health score
gaps surfaced rather than discovered later
Compliance and collaboration
VAT returns
MTD-compliant, calculated from live ledger data
Task management
Free access for your accountant
does not use one of your logins
AI & Automation
AI that shows its working
every AI suggestion comes with a plain-English reason you can check
Finzu's own agent
Fi, a built-in AI agent for queries, tasks and support
Automated system tasks
automate routine actions, with full visibility and control
MCP connection
connect Claude or other AI tools directly to Finzu to report on your data or automate your way
Security
Your ledger is the most sensitive data you hold. We treat it that way
Included for every customer, at no extra cost, and no part of it sits behind a higher tier.
FCA authorised
We hold our own FCA payment agent authorisation to provide payment services on behalf of a fully authorised principal financial institution. So you can be sure your money moves under regulated permissions. You will find us officially listed on the Financial Services Register.
Encrypted, bank-grade
AES-256 in transit and again at rest, the same standards used to protect banking data, on UK-hosted infrastructure.
Roles and permissions
Decide who sees what. Approvals, payments and reporting can each be restricted to the people who should have them.
A full AI audit trail
Every action Fi takes is logged with what it did, why, and the source it used. You can follow any number back to where it came from.
Held
FCA authorised
regulated for open banking payments
In progress
ISO 27001
information security management
In progress
ISO 42001
AI management systems
The two ISO certifications are in progress rather than awarded, and we would rather say so. Bank connections use regulated open banking, so we never hold your banking credentials.
Roadmap
What's coming next
Here's what's on the way. We add to this list as features are planned, and we want to hear what you'd like to see.
Embedded payroll
Coming soon
Run payroll inside Finzu. Until then, upload payslips from your current provider and pay-cost forecasting works in full.
Premium HR integrations
Coming soon
Premium syncs with HR systems, alongside the standard connections that are already free.
Premium CRM integrations
Coming soon
Premium syncs with CRM systems, alongside the standard connections that are already free.
Tell us what you'd like to see. Suggest features from inside Finzu, and we'll add them here as they're planned.
Ready to see what it costs?
One fee, every feature. See the full price breakdown and calculate your own.
