Restaurants and food service

Daily sales and deposit reconciliation, prime cost and labor control for restaurants and multi-unit groups.

Fintra works beside Toast, Square, Restaurant365, Olo and MarginEdge, or replaces them, and rolls every location up to one set of books.
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Daily Sales Recon

Example figures
Toast POS: Main St: reconciled
$18,420
DoorDash payout: variance
$212
Cash drawer: PM: over/short
-$34
Catering: Hensley event: AR open
$4,250
Deposits tied to bank, 1 delivery variance, 1 drawer short

Your POS was built to ring the sale, not to prove the money reached the bank.

  1. Money leaks between the drawer and the bank

    Cash, card batches, gift cards, and third-party delivery payouts (DoorDash, Uber Eats, Grubhub) each settle on their own schedule with their own fees. Deposits get reconciled by hand days later, if at all, and shorts and skimming hide in the gap.

  2. Prime cost is a month-late autopsy

    Food and beverage COGS plus labor, the 60-plus percent of every dollar that decides whether a unit makes money, is tallied from invoices and timecards weeks after the period. By the time you see waste, over-portioning, or a labor overrun, the month is already gone.

  3. Tips and labor are a compliance minefield

    Tip pools, tip credit, minimum-wage make-up, overtime, and predictive-scheduling rules are calculated by hand across locations: error-prone, disputed by staff, and exactly what a wage-and-hour audit goes looking for.

What Fintra does for food & beverage

Fintra runs the money side of your restaurant group. Connect it to Toast, Square, Olo, or Margin Edge for POS and ordering data, or let Fintra replace the back office and run the whole front and back of house. Plus the two things food service lives or dies on: every deposit reconciled and prime cost under control.

  • Integrate your POS, or replace it
  • Built for multi-unit & franchise
  • Food-safety & tip compliance, sealed

Labor, Tips & Tip Credit

Example figures
Maria S., server, tip-credit + tip pool
$918 net
Line cooks (4), BOH, hourly, OT flagged
$4,120
GM · Main St, manager, bonus on prime cost < 60%
$1,150 bonus
Wages, tips, tip-credit make-up, and tip-pool splits computed from connected POS and schedule: minimum-wage top-up applied, overtime flagged, every pay run sealed as evidence.

Keep your POS, or run the whole restaurant on Fintra.

The register, menu, and online ordering can stay in the systems your staff already trust: Fintra reads sales, items, and labor through a connector and owns everything downstream: reconciliation, COGS, payroll, and the books. Or, if you are done paying for a POS plus a back-office tool plus a reconciliation spreadsheet, Fintra runs reservations, ordering, front of house, and the entire back office itself.

Stays in your POS & ordering systems

Toast, Square, Olo, Margin Edge

  • Menu, orders & tickets
  • Card, cash & delivery sales
  • Timecards & labor hours

Read through the POS & ordering connector, live for early customers.

Fintra runs

Finance, Trust and People, plus the two food & beverage jobs below

  • Accounting & multi-unit roll-up
  • Daily sales & deposit reconciliation
  • Prime cost: COGS & labor
  • Catering & events AR
  • Payroll, tips & bill pay
  • Governance & evidence

Prefer to leave Toast? Fintra can run reservations, online ordering, front of house, and the full back office as one system, so you can leave the separate POS, back-office accounting tool, and reconciliation spreadsheet behind entirely.

Every deposit reconciled to the day’s sales, with prime cost on the same books.

Every restaurant already has a POS and a payroll provider somewhere. These two are where a food-service back office is won or lost, so Fintra builds them in, not bolted on.

Daily Sales and Deposit Reconciliation

The money you already earned

Every morning, POS net sales, cash counts, card batches, gift cards, and third-party delivery payouts are matched to the bank and posted to the ledger automatically. Missing deposits, over/short drawers, delivery-app fees and adjustments, and chargebacks are flagged the day they happen, not at month-end. Sales tax accrued by location, ready to remit.

  • POS, cash, card & delivery payouts tied to the bank
  • Over/short, missing-deposit & chargeback flags
  • Delivery-app fee & adjustment leakage caught
  • Sales tax accrued by location, every adjustment sealed

Prime Cost Control

The number that makes or breaks the unit

Food and beverage COGS from connected invoices, theoretical versus actual usage, waste and voids and comps, and labor as a live percentage of sales from the schedule and tips: prime cost tracked daily against target, per unit and across the group. The overrun you used to find at month-end, caught while you can still fix it.

  • Food & bev COGS from connected invoices
  • Theoretical vs actual usage, waste & voids
  • Labor % live from schedule & tips
  • Prime cost vs target, per unit and rolled up

Unit & Equipment Financing

Example figures
Approved build-out & kitchen package
$210,000
approved
soft pull
$4,350/mo
on unit economics
funded to open
$203,700
Underwritten on connected unit economics, funded to open, Trust-guarded, every advance sealed

The same books, approvals and payroll checks, set up for food & beverage

Finance

The whole back office your POS was never built for.

Real accounting for a location, budgeting and unit P&Ls, AP, bill pay, and payroll, with the food-service pain solved: daily sales and deposit reconciliation across POS, cash, and delivery apps, prime-cost and labor tracking against target, catering and events AR, and sales tax by location, all reconciled to one ledger. A single unit runs end to end today; multi-unit roll-up is on the roadmap.

Explore restaurant finance
  • Unit accounting; multi-unit roll-up roadmap
  • Daily deposit recon across POS, cash & delivery
  • Prime cost, labor % & unit P&Ls
  • Payroll, tips, AP & guarded bill pay

Trust

Every comp, void, refund, and cash drawer: decided and sealed.

The places money and safety leak in a restaurant (voided tickets, comps, refunds, cash over/short, delivery-app adjustments, tip and payroll runs, food-safety logs) each get a verdict grounded in your real books, and each becomes hash-chained, recomputable evidence. Governance is decide-and-prove; enforcement is staged.

See how actions are checked
  • Comp / void / refund & cash-shortage checks
  • Tip, tip-credit & payroll runs guarded
  • Food-safety & incident logs, signed & sealed
  • One trust score across staff & AI agents

People

Servers, cooks, managers, and AI agents on one org chart.

Hiring and scheduling hourly staff is the hardest, most expensive thing in food service. The Workforce Graph puts every server, cook, manager, and AI teammate on one chart, priced against the same unit P&L, with scheduling and tip logic built in, an AI recruiter and interviewer that are advisory, and a named human who always approves.

See people and payroll
  • Recruit & onboard hourly staff faster
  • Scheduling, tips & labor cost by unit
  • Turnover, overtime & compliance visibility
  • Humans + AI agents, trust-scored

Food-safety, operations and incident logs drafted for a manager to sign.

Powered by Fintra governed notes. The manager talks or taps; the scribe drafts the HACCP temperature log, the shift and ops note, or the incident report, then signs it into a tamper-evident record. A defensible food-safety and incident trail, addenda only: you can add to it, never quietly rewrite it.

HACCP & temperature logs

Walk-in and line temperatures, cook, hold, and cool-down checks, cleaning and sanitation, and receiving logs captured by voice or a tap and drafted into the HACCP record: flagged when a reading is out of range, timestamped, and signed. The paper clipboard that goes missing before the health inspector arrives, replaced by a record you can produce on demand.

Shift & ops notes

Opening and closing checklists, cash-drawer counts, waste and 86ed items, equipment issues, and manager pass-downs dictated at the pace of a real shift and turned into a structured, searchable note, so the next manager and the owner see exactly what happened without deciphering a napkin.

Incident & safety reports

Slips, burns, allergen exposures, foodborne-illness complaints, and injury reports drafted from a spoken account into a complete, consistent incident record: the documentation your insurer, your franchisor, and a health department will all ask for, written while the details are still fresh.

Signed, tamper-evident, addenda only

Every log and report is hash-chained and sealed the moment it is signed. Corrections are addenda that reference the original, never silent edits, so the food-safety and incident record is defensible: you can prove what was recorded and when, and that nobody went back and changed it.

From the ticket to the bank, on one ledger.

The note-to-bill-to-cash loop, built for food service. Sales become deposits, invoices become COGS, shifts become labor, and catering becomes collected AR: all reconciled to one governed ledger instead of stitched together across a POS, a back-office tool, a payroll app, and three spreadsheets.

Daily sales & deposit reconciliation

POS net sales, cash, card batches, gift cards, and third-party delivery payouts matched to the bank every morning, with shorts, missing deposits, delivery-app fees, and chargebacks flagged the day they happen. Sales tax accrued by location and ready to remit, so nothing sits unreconciled until month-end.

Labor, tips & tip credit

Schedules become labor cost against sales in real time; tips, tip pools, tip-credit and minimum-wage make-up, overtime, and predictive-scheduling rules are computed per location and reconciled into payroll: the wage-and-hour math that gets restaurants sued, done once and sealed.

Inventory, COGS & waste

Vendor invoices captured and coded, theoretical versus actual usage by recipe, waste, voids, and comps tracked, and food and beverage COGS posted daily, so prime cost is a number you steer by, not a surprise you autopsy after the month closes.

Catering & events AR

A catering or private-event inquiry becomes a quote, a deposit, an invoice, and a collected balance, with a text-to-pay link and automated reminders, reconciled to the same ledger as the dining room. The high-margin revenue that usually lives in a separate spreadsheet, closed in the loop.

Sales tax by location

Sales tax calculated and accrued per unit and jurisdiction as sales post, with the liability tracked and remittance-ready, so a multi-unit group is not reverse-engineering tax owed from POS exports at filing time.

Every call answered, with reservations and missed orders recovered.

A voice-and-text front desk that never puts a guest on hold. It books reservations, quotes catering, recovers abandoned online orders, texts back missed calls, and takes payment, then hands the money straight to the same governed ledger, so a guest inquiry becomes a reconciled, sealed sale.

Reservations & waitlist

Takes reservations and manages the waitlist by voice or text around the clock, confirms and reminds to cut no-shows, and syncs covers to the floor, so the phone ringing during a rush turns into a booked table instead of a missed one.

Catering & events inquiries

Answers catering and private-event questions, captures the party size, date, and menu, and turns a cold inquiry into a quote and a deposit request in the catering AR flow, so the highest-margin revenue in the building is not lost to a voicemail nobody returns.

Online-order recovery & missed-call text-back

Follows up on abandoned online orders and texts back every missed call automatically with a link to order, book, or reach a person: recovering the sales and reservations that a busy line and an unanswered phone quietly lose all day.

Text-to-pay, straight to the ledger

Sends a secure pay link for a deposit, a catering balance, or an order, and the payment lands reconciled to the same governed books as every other sale: guest inquiry to sealed dollar in one flow, with no separate CRM or payments tool to reconcile later.

Every approval and record kept, ready for a health inspector or a wage auditor.

Every dollar-moving action and every safety record is decided against your real books and policies, scored, and sealed as evidence you can hand a health inspector, a franchisor, a card-brand auditor, or a wage-and-hour examiner, not a binder you update once a year and hope holds up.

Frameworks & controls, mapped once

PCI-DSS for card data across every unit's POS, SOC 2, food-safety (HACCP) records, and wage-and-hour and tip-compliance controls: 84 frameworks and 111 controls mapped a single time, so one governed action satisfies many at once. Adding a framework or a new unit points at the same evidence instead of starting the mapping over.

Food-safety & labor records as controls

HACCP logs, temperature and sanitation checks, allergen and incident reports, and tip and overtime runs become live controls scored against real activity, not a clipboard and a checklist. A missed temp log or a tip-credit shortfall opens a finding tied to the unit's ledger, with the whole trail sealed.

Policies & attestations

Versioned policies with full change history, plus food-handler certifications, alcohol-service training, and staff acknowledgements, who is certified, whose ServSafe or food-handler card is expiring, and when. The attestation trail is part of the same evidence graph, not a binder per location.

AI Action Governance

Every comp, void, refund, cash adjustment, tip and payroll run, delivery-app reconciliation, or access change gets a verdict and an Action Trust Score before it lands. Fintra Trust decides, records, and can gate the action; broader automatic enforcement across every workflow is staged, so today it always decides and proves, and gates where it is wired in. Each action is hash-chained and mapped to the real controls it satisfies, so verify_chain() re-derives the whole chain from your data: tamper-evident, reproducible, and never a black box.

One unit or two hundred, franchisor and franchisee on one roll-up.

Food service is a franchise business, and the money falls through the seam between the brand and the operator. Fintra rolls every unit up to one system-wide P&L, automates royalties and the marketing fund off connected sales, turns brand-standard field visits into live controls, and benchmarks every unit against the FDD, on the same governed ledger as the dining room.

Multi-unit roll-ups

On the roadmap

The design: every unit runs one standardized chart of accounts, so AUV, same-store sales, prime cost, and labor roll up as the period closes, not stitched together weeks later from mismatched books, and the franchisor sees into every unit while the multi-unit operator sees across theirs. Multi-unit consolidation and real-time roll-up are in build with design partners; a single unit runs end to end today.

Royalties & marketing fund

Royalties, national and local marketing-fund contributions, and tech fees computed straight from connected unit sales, invoiced to each franchisee, swept by ACH, and reconciled to both the franchisor's and the franchisee's ledgers, with under-reporting flagged against POS and every inter-entity transfer guarded before a dollar moves.

Brand-standard field visits as controls

Operations and food-safety field audits, secret-shopper scores, remodel and reimage deadlines, approved-vendor use, and local-marketing minimums become live controls scored against real activity, so a failed inspection or an unapproved supplier opens a finding tied to the unit's ledger, not a note in a binder.

FDD Item 19 benchmarking

Real, consented unit economics roll up into the same benchmarks a franchisor discloses in FDD Item 19 (AUV, prime cost, and margins by cohort and market) so financial-performance representations rest on connected, sealed data instead of a survey, and a prospective franchisee is underwritten on how comparable units actually perform.

Reservations, events and staff pay on the same books.

Security keeps the money you already earned; growth brings in more of it. Fintra runs guest acquisition, loyalty and reviews, the catering pipeline, and staff incentives on the same books, the same front desk, and the same governance, so a guest inquiry becomes a reconciled, sealed sale without leaving the platform.

Guest acquisition & reactivation

Local search, web, and delivery-marketplace demand tracked to the covers and sales it actually produced, and lapsed regulars reactivated off real order history, so spend goes to what fills seats, not vanity clicks nobody can tie to a check.

Loyalty, reviews & reputation

Track where guests come from, loyalty and win-back offers, and post-visit reviews, attributed to the covers and revenue they produced, so you invest in the offers and channels that actually bring guests back to the table.

Catering & events pipeline

The catering and private-event inquiries the front desk captures become quotes, deposits, and booked events in the AR flow, tracked from first call to collected balance, so the highest-margin revenue in the building is a pipeline you work, not a voicemail you lose.

Server & manager incentives, guarded

Upsell, catering, and prime-cost bonuses for servers and managers computed straight from connected sales and unit results, with clawbacks on comps, voids, and reversed sales, every run scored and sealed as evidence like any other pay run.

Continuous controls for food & beverage operators.

Fintra tests every transaction, not a sample; only the items that fail open an exception; each exception carries a sealed record of what was checked; the record is mapped to the SOX 404 control it tests; an auditor reviews it through time-limited access.

ControlHow it is checkedFrameworkStatus
Distributor invoice 3-way matchTested continuously by the AP three-way-match handler across distributor invoices, purchase orders, and receipts.SOX-CA-03 · 3-way matchTested today
Daily deposit reconciliationTested continuously by the bank-reconciliation handler: every daily deposit reconciles to the ledger.SOX-CA-06 · ReconciliationTested today
Vendor rebate / deduction reviewPlanned: vendor rebate and short-pay deduction review; not yet wired to an automated handler.Roadmap · deductionsPlanned

Only the controls marked tested today run against your real transactions now. Planned and attestation controls are listed so you can see the full scope; where Fintra cannot test something, it says so instead of reporting a pass. It works beside your GRC tool and your external audit, not instead of them.

How continuous testing works

Fintra for food & beverage today

The Money · Trust · People engines are the shipped Fintra platform. The POS and ordering connectors (Toast, Square, Restaurant365, Olo, Margin Edge), the speech-to-text behind the ambient scribe, the payment and payout rails, and the equipment/unit lender are a pluggable provider seam: live for design partners and on the near-term roadmap, not a one-click integration for every restaurant yet, and the rails simulate today so no real money moves. Multi-unit consolidation and roll-up are on the roadmap: today Fintra runs a single-entity set of books per operator, and prime-cost recipes and tip policies are configured with you, not a blind auto-import. We will always tell you what is production-ready versus what we are building with you. In demos, no real money moves.

Pages by role

One set of books runs the whole back office. These pages start from the job you do.

See Fintra run your restaurant's money.

Bring one location, a multi-unit group, or the whole franchise system. We'll show daily deposit reconciliation, prime cost, catering AR, food-safety records, and the evidence trail on your kind of operation.

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