Your whole finance operation.
One AI platform that does the work.
AI that doesn’t just recommend — it safely gets the work done.
One AI platform for the accounting, payroll, budgeting, spend, HR, and compliance work you juggle across 5–7 tools today. It connects to the systems you already run, does the work, and lets you approve anything that matters — no rip-and-replace, and it gets better every month.
Spend less time running finance. More time growing your business.
One login, one source of truth — with a person on anything that moves money.
The outcomes Fintra is built to deliver — targets we’re validating with early design partners, not averaged customer results.
We deliver the outcome - books closed, taxes filed, payroll run - not another tool to log into.
AI shouldn’t stop at recommendations. Fintra safely completes financial work — from approvals and journal entries to payroll and compliance — with the right controls, evidence, and human approval where it matters. Run any function three ways: hands-on, AI copilot, or fully managed.
Self-Serve
You run it.
The full platform in your hands. Fintra drafts the entries, codes the bills, and reconciles the accounts; your team reviews and posts. Fastest to switch on, most hands-on.
- Every module, self-serve
- AI drafts, your team decides
- Live in days, not quarters
AI Copilot
Fintra does it, you approve.
AI teammates run the day - close, approvals, pay runs, filings - and route only what moves money or needs judgment to you. One tap to approve, and every action is sealed as proof.
- AI runs the workflow
- You approve what matters
- Every action saved as proof
Fully Managed
Fintra and certified experts run the function.
Hand off the whole function. Fintra’s AI plus vetted accountants, payroll specialists, and compliance pros own the outcome and stand behind it. You get the result, not the workload.
- Done-for-you outcome
- Experts on the same platform
- One accountable owner
Copilot and Managed roll out function by function. Today the AI decides and proves every action, and production actuation is switched on in stages - we always tell you what is live for your account.
See what runs todayStop stitching together six tools.
Most small businesses run finance across five to seven apps that don’t talk to each other — so numbers go stale, data gets re-keyed, and month-end turns into a scavenger hunt. Fintra brings the whole operation onto one AI platform, on one set of books.
Exports, CSVs, and reconciling between them — every month.
One login · one source of truth · AI does the work.
No rip-and-replace. Connect the systems you already run — QuickBooks, Gusto, ADP, NetSuite and more — and keep the payroll and payment rails you trust; Fintra does the work on top and moves modules onto one platform at your pace.
What’s ready today — and what’s still coming.
Finance software loves to over-promise. Here’s exactly what’s production-ready now versus what’s rolling out — so nothing surprises you in a pilot. You’ll always know what’s live for your account before you commit.
- Accounting & automated close
- Bill Pay, AP & expenses
- Budgeting, FP&A & forecasting
- Revenue recognition, sales tax & commissions
- HR, onboarding & payroll tax data (W-2 / 1099)
- Compliance controls & a complete audit trail
- AI that drafts and checks every action — with your approval
- AI Copilot — it runs the workflow, you approve
- Native payroll processing (Texas pilot)
- Live payments & cards (in sandbox, with design partners)
- Multi-entity consolidation
- Continuous industry benchmarking
- Month-over-month learning trends
Today, Fintra runs payroll intelligence, controls and the books on the payroll and payment providers you already use.
Running multiple locations within one company is supported today (per-location P&L and roll-up); consolidating separate legal entities — multi-entity — is rolling out. We tell you which you are, and what fits, before a pilot.
Try it without betting the business.
Changing finance systems is the scariest software decision a business makes. So Fintra is built to be tried, not gambled on — run it alongside what you have, start small, and keep your books clean the whole way.
Runs alongside your stack
Connect what you already have. Your current books stay untouched while you evaluate — nothing to rip out to get started.
Start with one workflow
Turn on a single thing — close, AP, or spend — not a full cutover. Add modules onto one platform at your pace.
Your data stays yours
Full data portability and no long-term lock-in. Export everything, anytime — you are never trapped.
No surprises
We tell you exactly what is live for your account before you commit, and scope a plan to your current stack on a short call.
Every piece of work runs one loop.
No re-keying between apps, no month-end reconciling. Capture it once and Fintra carries it all the way to the books, with a person approving anything that matters.
Capture
A quote, a bill, a timesheet, a patient note.
AI does the work
Codes it, drafts the entry, runs the numbers.
You approve what matters
One tap on anything that moves money.
Booked and proven
Posted to the ledger, sealed as evidence.
Money. Trust. People.
Not three tools you stitch together - three parts of one system, on one set of books. AI teammates do the work, a person approves anything that matters, and every action is recorded as proof.
Every dollar, decided before it moves.
Your AI finance team runs the back office - captures bills, guards every pay-run release with a verdict grounded in your real books, screens payees against live sanctions, and posts the journal entry. Held payments drop out before money moves.
Every important action is checked, approved, and provable.
Before anything consequential happens - a payment to a new account, a big refund, a data export, a payroll run - Fintra checks it against your policies, holds anything risky for a person to approve, and records exactly what happened. You get an audit trail automatically, and nothing important slips through.
Humans and AI agents on one org chart.
The Workforce Graph puts people, contractors, and AI agents on one chart - each scored for trust and risk, with a real annual cost priced against the same P&L. The AI recruiter, interviewer, and comp analyst are advisory; a named human always approves.
One platform, working as one system.
Most tools own one feature. Fintra runs the whole stack - your books, the AI that does the work on them, the controls that prove it, and the intelligence on top. One system, not seven integrations you have to maintain.
Answers & foresight
In buildForecasts, anomalies, and recommendations across your whole business - and clear dashboards for the people who run it.
Work that runs itself
Rolling outWorkflows carry a task end to end - bill to booked, hire to paid - with a person on anything that moves money.
Checked & provable
LiveEvery important action is checked against your policies, approved by the right person, and saved as audit-ready evidence. Governance built in, not a separate tool you buy.
AI that does the work
LiveAI teammates draft entries, code bills, screen payees, and run the day - on top of your real books, not a chatbot on the side.
One set of books
LiveAccounting, payroll, spend, HR, and controls all write to one source of truth - no cross-app sync, no month-end reconciling.
Finance Agent Studio
New · In buildBuild and govern your own finance AI agents on Fintra’s platform - every one checked by Fintra’s controls before it can touch money, on the same books and the same evidence trail.
Everything the business runs on.
The modules you would otherwise buy from five to seven vendors — on one platform, with one source of truth. Turn on what you need.
- AI accounting & close
- Budgeting, FP&A & forecasting
- Bill Pay, AP & invoicing / AR
- Expenses & corporate cards
- Revenue recognition (ASC 606)
- Sales tax & nexus
- Lead gen & CRM
- Sales commissions
- HRIS, onboarding & benefits
- Payroll Intelligence + year-end (W-2 / 1099)
- AI interviewer & hiring
- Performance & engagement
- Equity, cap table & stock comp
- Pay equity
- Workforce intelligence
- AI action governance & Control Tower
- 76 frameworks (SOC 2, HIPAA, PCI)
- Controls, policies & evidence
- Audits & auditor portal
- Complete audit trail
- Human & AI risk
Fintra checks every transaction against your controls, continuously — and surfaces only the exceptions, each with the evidence already attached. Fewer errors, fewer audit hours, no year-end surprises.
Plus Marketing AI, growth intelligence, a support suite, and executive analytics, on the same brain. See the whole platform
Fintra reviews every transaction. You handle the exceptions.
Traditional controls test a sample, once a quarter, in a spreadsheet. Fintra checks every transaction, continuously — catching the duplicate payment, the missing approval, the policy breach while it is still fixable, and turning each one into a tracked exception with the evidence already attached. Fewer errors, fewer audit hours, a faster close — and no year-end surprises.
- 01
Declare a control, once
A spend ceiling, a two-signature rule, a 3-way match, segregation of duties - one of nine control kinds, built on the same Control Tower that governs every money move.
9 control kinds - 02
Sweep the whole population
Fintra tests that control against every transaction, not a quarterly sample - continuously, and again the moment new activity posts.
population · not sample - 03
Only failures surface
Passing items stay silent. Each failure opens an Exception, ranked by financial exposure and routed to an owner - the short list a human actually works.
12 of 2,412 flagged - 04
Every failure proves itself
Saved as a tamper-evident receipt, mapped to the exact control it affects, and ready to hand your auditor through a time-boxed portal.
Audit-ready receipt
Two-signature approval breached
Payment to Umbrella Corp · 1 of 2 required approvals
- Evidence
- Saved & tamper-evident ✓
- SOX 404 control
- Control Activities
- Reason chain
- authority · approval · budget
An Exception the moment a control fails - not a finding you discover at year-end.
Honest scope: of the 20 SOX 404 objectives, 13 map to control tests that run today against real transaction populations; the remaining 7 are entity-level / attestation controls a human signs off. Some sources are still being wired - where a population is not yet connected, Fintra says so rather than reporting a pass. It complements your GRC and external audit; it does not replace them.
You ask. Fintra does the work. You approve what matters.
Every financial action is completed with the right approvals and recorded with a complete audit trail — automatically. No spreadsheets to chase, no evidence to assemble at audit time.
“Close the books.” “Pay these bills.” “Run payroll.” Just say what you need.
Fintra drafts the entries, codes the bills, and runs the numbers.
Every action is checked against your rules, your budget, and your controls.
Anything that moves money or needs judgment comes to you — one tap.
Posts to the books, updates the budget, and tells whoever needs to know.
Every step is saved with a complete, audit-ready trail.
A person signs off on anything that moves money, and money-moving steps run through the payroll and payment rails you already trust. You — or your auditor — can review the full trail of any action, anytime.
Most software ships features. Fintra learns your business.
Unlike traditional accounting software, Fintra learns how your business operates. Every month your close gets faster, your forecasts sharper, your payroll approvals lighter, and your team spends less time on repetitive work. It improves on the numbers only Fintra can see — because it runs your books.
How it learns
Every approval, payroll run, invoice, and forecast makes Fintra better — for your business specifically.Fintra does the work
Drafts the entries, codes the bills, runs the numbers.
You approve what matters
One tap on anything that moves money.
It sees the result
What actually happened — booked, paid, corrected.
Next month, it’s better
Faster close, sharper forecast, lighter approvals — for your business.
It gets smarter every month.
Not a claim — a chart. Fintra shows the same metric improving on your own numbers, month over month. Software doesn’t do that. A system that learns does.
Illustrative. Your trends appear as Fintra builds history, and every improvement is measured against your own starting point — reported honestly, paired with an accuracy check so faster never means sloppier.
It improves results, not dashboards.
Fintra doesn’t just count activity. It moves the result each part of your finance exists to improve — and gives your team back the hours in between.
See how you compare
Your numbers against your industry — and where the best-run businesses land. Fintra shows you your frontier and how to reach it.
Illustrative. Peer comparisons are private and anonymized — shown only across a large enough group that no business is identifiable; until then, against published industry baselines.
Always on the best AI available — never locked to one.
AI models change every few months. How Fintra runs your business doesn’t — your policies, your approvals, and everything it has learned about your company stay put. When a better model arrives, Fintra uses it; what it knows about you only compounds.The AI Financial Operating System that continuously learns how your business operates better.
Not just software. Your industry’s operating layer.
We integrate with the systems you keep, or replace the ones you don’t. Deepest in these verticals, and built to fit any industry you run.
One brain for the whole company.
The surfaces we are building next, on the same governance spine that runs today. We label what is shipping now versus what is still ahead, so you always know what is real.
AI Workspace
One home screen to start the day: morning brief, today’s approvals, cash position, open risks, AI recommendations, recent decisions.
Company Memory
Durable institutional knowledge the AI reasons over: accounting policies, approval hierarchy, preferred vendors, budgeting assumptions, commission plans.
AI Inbox
Decisions, not notifications. "Vendor changed bank account." "Payroll up 14%." "Commission exceeds plan." "Margin dropped 8%."
Executive Control Tower
Role dashboards for CEO, CFO, Controller, Operations, and Board: the decisions and risk that matter, not just another report.
AI Marketplace
Third-party AI agents plug in through the Governance APIs, so every outside agent is checked before it can touch money. The ecosystem play on Control Cloud.
Per-vertical workflow
One core platform, one industry flow each. Childcare: enroll to attend to bill. Dental: appointment to note to code to claim to cash.
Run money, people and risk on one system - and prove every move.
See Fintra run your whole finance operation on one platform — every important action checked, approved when it matters, and recorded as audit-ready evidence.
What is an AI finance operating system?
An AI finance operating system runs a business’s core finance and workforce operations on one shared data model - accounting, budgeting, forecasting, expenses, bill pay, payroll, tax, and compliance - with AI doing the routine work and a human approving anything consequential before it posts. Fintra is an AI finance operating system for small and medium businesses: it replaces the five to seven fragmented tools most SMBs run today with one governed, AI-native system of record, so there are no sync jobs, no CSV reconciling, and one source of truth for the whole company.
Fintra - frequently asked
What is an AI finance operating system?
An AI finance operating system is a single platform that runs a business’s core finance and workforce operations on one shared data model, with AI doing the routine work and a human approving anything consequential before it posts. Instead of stitching together separate tools for accounting, budgeting, forecasting, expenses, bill pay, payroll, tax, and compliance, an AI finance OS unifies them as one system of record so there are no sync jobs or CSV reconciling. Fintra is an AI finance operating system built for small and medium businesses.
What does Fintra do?
Fintra unifies your finance stack on one AI-native data model. Live today: a double-entry general ledger with automated close and financial statements from posted journals; AP, AR, and expenses that each post real journal entries; a deep FP&A suite (budgeting, budget-vs-actuals, forecasting, scenarios, and a report builder with figure-citing AI insights); ASC 606 revenue recognition, sales tax, and sales commissions; Payroll Intelligence with a deterministic tax engine that computes W-2, 1099, and 940 data (you run the pay run itself on the payroll provider you already use, importing the data by CSV today); equity, cap table, 409A, and ASC 718; compliance and GRC; and Control Tower governance that decides whether an action - human or AI agent - should proceed before it moves money. It is designed to replace the five to seven fragmented tools most SMBs run today.
Does Fintra replace QuickBooks?
Yes, for a single-company SMB. Fintra runs a real double-entry general ledger with automated close, financial statements from posted journals, invoicing and AR, and bill pay and AP, plus a QuickBooks and Xero migration importer that parses your export into a balanced opening-balance entry, so it can be your accounting system of record rather than sit alongside it. The difference is scope: Fintra also covers budgeting, forecasting, expenses, payroll, tax, equity, and governance on one data model. Honest caveat: Fintra is single-company today, so multi-entity consolidation is rolling out. See the Fintra vs QuickBooks comparison for a side-by-side breakdown of where each fits.
Does Fintra replace Ramp or Brex?
Fintra covers the spend-management surface Ramp and Brex are known for - expense management and bill pay and AP - as part of a full finance OS rather than a standalone spend tool, so spend flows straight into the books and the budget without an export step. Honest distinction: the corporate-card program and live money movement run on payment rails that are built and fail-closed but default to simulate, so they go live with design partners; every expense and bill still posts a real journal entry today. The Fintra vs Ramp and Fintra vs Brex comparisons lay out what overlaps and what Fintra adds.
How does AI governance for finance work in Fintra?
Fintra checks every consequential action - whether a person or an AI agent starts it - before it happens. Because Fintra runs your books, payroll, and money, it sees each action in context, scores how far to trust it across identity, data, compliance, and fraud signals, and enforces a verdict - allow, ask for approval, or block. Anything that moves money is draft-first and human-confirmed: an AI agent can propose, but a named person approves before anything irreversible posts, and every decision is recorded as tamper-evident, audit-ready, SOC 2-aligned evidence you can reconstruct later.
How much does Fintra cost?
Fintra does not publish pricing. Fintra is in early access and pricing is scoped per customer, based on the modules you turn on and the shape of your finance stack - with full data portability and no long-term lock-in. Contact the team through the pricing page and we will map a plan to your current stack on a short call.
Is Fintra production-ready today?
The accounting, FP&A, revenue recognition, sales tax, payroll, equity, compliance, and governance core is live and posts real double-entry journal entries today, covered by tests. Live money movement, multi-entity consolidation, and the Control Cloud surfaces (AI Workspace, Company Memory, AI Inbox, and more) are in build or rolling out. We show exactly what is production-ready versus what is next, so nothing surprises you mid-pilot.
Does Fintra move real money or process payments?
Not yet by default. Fintra is a system of record, not a bank or a payment processor. Every payment, bill, and payroll run posts a real journal entry today, and the Stripe, ACH, and card rails are built with fail-closed webhook verification but default to simulate. Funds move only when those credentials are switched on with design partners, so the books are real before the money is.
How does payroll work in Fintra - does it file taxes or move payroll money?
Fintra leads with Payroll Intelligence, the workflow it owns around the pay run: employee changes, compensation and commissions, time validation, a policy engine, an exception center, payroll cash-requirement forecasting, approvals with segregation of duties, and audit evidence - plus a deterministic tax engine that computes W-2, 1099, and 940 data. The actual pay run is a replaceable box: you run it on the payroll provider you already use (Gusto, QuickBooks Payroll, ADP, Rippling, or Paychex), importing your payroll data by CSV today, with automated connectors in development. Payroll calculations, tax filings, direct deposits, and money movement are done by your payroll provider, not Fintra - Fintra does not file taxes or move money; it manages the intelligence, controls, approvals, accounting, and audit evidence around every run. Native Fintra payroll is in controlled development (Texas first, shadow mode). Payroll is a separate rail, never bundled into your base plan; pricing is scoped with you on a call.