Fini

What is Fini

Fini is an AI-first financial operations platform focused on automating routine accounting tasks for finance teams, accounting firms, and finance-savvy operations managers. The product centers on automated invoice processing, intelligent expense classification, bank and card reconciliation, and cash-flow insights powered by machine learning models tuned for accounting data. It is intended for finance teams that need to reduce manual data entry, improve reconciliation accuracy, and get faster visibility into working capital.

The platform is designed to sit alongside existing accounting systems rather than replace them: Fini ingests documents and bank feeds, normalizes transactions, and pushes synchronized entries into general ledgers. It provides user workflows for approvals, exceptions, and vendor payments while maintaining audit trails required for accounting and compliance. For teams with distributed spend and multiple payment rails, Fini aggregates vendor invoices, payment status, and reconciled entries into a single ledger view.

Fini also exposes APIs and integration connectors so engineering teams can automate payment scheduling and reporting across tools. The combination of document OCR, NLP classification, and pre-built connectors makes it practical to automate large parts of month-end and AP/AR workflows without heavy engineering effort.

Fini features

Fini provides a set of modular features aimed at reducing manual accounting work and improving visibility:

• Invoice ingestion: OCR and intelligent parsing from email, PDF, image, and supplier portals with automatic field extraction (vendor, date, amounts, tax lines).
• Vendor management: searchable vendor profiles, consolidated payment terms, and duplicate detection.
• Automated reconciliation: match invoices, payments, and bank transactions using fuzzy matching and configurable rules.
• Payment orchestration: manage ACH, virtual cards, wire, and batch payments with approval routing and scheduled disbursements.
• Cash-flow forecasting: short- and medium-term cash projections using scheduled payables, receivables, and historical velocity.
• Expense categorization: ML-driven expense and account code suggestions that learn from your chart of accounts and overrides.
• Approval workflows: multi-step approvals, role-based permissions, and audit logging for compliance.
• Custom reporting and dashboards: pre-built and customizable dashboards for DPO, burn rate, and aged payables.
• Integrations: direct connectors for accounting systems, banks, payments providers, and collaboration tools.
• Security & compliance: role-based access, encryption in transit and at rest, and audit trails for SOX-ready processes.

What does Fini do?

Fini automates capture, classification, matching, and posting of financial transactions so accounting teams spend less time on repetitive work. It takes supplier invoices and bank statements as source inputs, applies document understanding to extract structured data, then reconciles those items to ledger entries and payments. The platform enforces approval rules and routes exceptions to human reviewers only when necessary.

Fini also provides cash-flow projections and scenario modeling to help finance teams plan around payment timing and incoming receivables. Users can run “what-if” scenarios to see how changing payment schedules or vendor terms affects short-term liquidity. The forecasting component uses historical payment patterns plus scheduled invoices to project cash position on a daily basis.

On the operational side, Fini centralizes vendor and payment information, enabling teams to standardize payment terms, consolidate suppliers, and maintain a single source of truth for AP/AR activity. That single view reduces duplicate payments and speeds reconciliations during month-end close.

Fini pricing

Fini offers these pricing plans:

• Free Plan: $0/month — basic invoice capture, up to 50 documents per month, single-user access, and limited connectors
• Starter: $15/month per user (monthly) — $12/month per user billed annually ($144/year per user) — expanded document limits, basic reconciliation, QuickBooks/Xero sync, email support
• Professional: $35/month per user (monthly) — $29/month per user billed annually ($348/year per user) — advanced reconciliation rules, multi-entity support, payment orchestration, priority support
• Enterprise: custom pricing with dedicated onboarding and SLAs; typical deployments start around $99/month per seat depending on connectors, transaction volume, and compliance needs

Check Fini's current pricing plans (https://fini.ai/pricing) for the latest rates and enterprise options.

How much is Fini per month

Fini starts at $0/month with the Free Plan; paid plans start at $15/month per user. The Starter monthly tier provides core automation and basic integrations, while Professional adds payment orchestration and multi-entity features at $35/month per user when billed monthly. Enterprise pricing is quoted based on transaction volume, number of entities, and required integrations; many larger customers negotiate tiered discounts for volume.

How much is Fini per year

Fini costs $144/year per user for the Starter plan when billed annually at the discounted rate of $12/month per user. The Professional annual rate is $348/year per user at $29/month billed annually, and Enterprise customers receive an annual contract with custom terms and invoicing frequency.

How much is Fini in general

Fini pricing ranges from $0 (free) to around $35+/month per user depending on plan and billing cadence. Small teams and single users can operate on the Free or Starter tiers, while finance teams that require payment rails, multi-entity accounting, and advanced reconciliation typically run Professional or Enterprise plans. Volume-based discounts and committed transaction bundles are common for customers with high invoice throughput.

What is Fini used for

Fini is used primarily for accounts payable automation, accounts receivable tracking, reconciliations, and finance operations automation. Accounting teams use it to capture supplier invoices automatically, reconcile bank and card statements, and reduce the number of manual journal entries needed at month end. The platform is also used to centralize vendor terms and payment status information for clearer vendor management.

Finance leaders use Fini's cash-flow forecasting and scenario modeling to plan short-term liquidity, schedule payments to smooth cash needs, and evaluate the impact of vendor term changes. That use is particularly helpful for subscription businesses, seasonal companies, or companies with variable receivable timing.

Operations teams use Fini to automate approvals for expense and invoice payments and to create audit trails that satisfy internal and external auditors. With integrated payment rails, procurement and treasury teams can coordinate to control spend and reduce processing time for vendor payouts.

Pros and cons of Fini

Pros:

• Robust document understanding reduces manual data entry and speeds invoice processing.
• Integrated reconciliation and payment orchestration reduce the number of systems required to manage AP and AR.
• Cash-flow forecasting provides actionable daily visibility into expected bank balances and obligations.
• Pre-built connectors for major accounting systems mean faster implementation for typical small-to-midsize stacks.
• Role-based security and audit trails support compliance efforts.

Cons:

• Advanced features like multi-entity consolidation and complex payment workflows are behind higher-tier plans, which raises the per-seat cost for larger teams.
• Organizations with highly customized ERP or legacy accounting systems may require engineering work to maintain data parity and custom mappings.
• As with any ML-driven classification, initial accuracy depends on training data; expect a short period of manual corrections while the system learns your accounts and vendors.
• Companies with very low monthly invoice volume may not see immediate ROI from automation and could prefer lighter-weight expense tools.

Fini free trial

Fini offers a trial period that lets teams test document ingestion, automatic classification, and basic reconciliation workflows against their own data. The trial includes a temporary uplift of document limits so teams can validate ingestion accuracy and measure time saved on a representative month of invoices. Trial accounts can connect to sandbox versions of QuickBooks and Xero for a realistic sync test.

During the trial, users can configure approval workflows, map chart-of-account templates, and experiment with cash-flow forecasting scenarios. The trial provides access to support resources and documentation to help set up bank feeds and connectors. After the trial, Fini provides an option to convert to a paid plan and migrate trial settings and mappings to the production environment.

Fini also offers pilot programs for larger customers who want a phased rollout across departments; pilots include onboarding assistance and a dedicated customer success contact to measure KPIs like time-to-reconcile and invoice-to-payment cycle time.

Is Fini free

Yes, Fini offers a Free Plan that includes basic invoice capture, up to 50 documents per month, and a single user seat. The Free Plan is intended for individuals or very small teams to evaluate document ingestion and basic classification. Paid tiers expand document volume, add reconciliation rules, and unlock payment orchestration and multi-user workflows.

Fini API

Fini provides a RESTful API and webhook ecosystem designed for integration with accounting systems, ERP platforms, and internal tooling. The API exposes endpoints for document upload, parsed invoice retrieval, vendor lookup, ledger posting, and payment initiation. Common endpoints include /invoices, /vendors, /bank_transactions, /reconciliations, and /payments to allow programmatic control of the platform.

Authentication is based on OAuth 2.0 with token refresh flows for long-running integrations; API keys are also supported for server-to-server use cases with scoped permissions. Webhooks notify external systems about key events such as invoice matched, payment completed, or reconciliation exceptions, enabling downstream automation without polling.

Fini publishes API documentation and SDK examples for common languages to accelerate developer onboarding. The platform supports rate limits, idempotency keys for safe retries, and bulk endpoints to submit large invoice batches. For payment initiation, Fini supports secure tokenization of bank credentials and integrates through payment provider partners to comply with PCI and local payment regulations. View Fini's API documentation for implementation details (https://fini.ai/docs/api).

10 Fini alternatives

• Bill.com — cloud AP automation and payment platform focused on midmarket accounting teams with deep accounting-system integrations.
• Tipalti — AP automation and global payables solution designed for companies with international suppliers and mass payouts.
• Stampli — invoice-centric AP automation with emphasis on collaboration between finance and procurement teams.
• Ramp — corporate card and spend management with embedded controls aimed at finance teams controlling card spend and reimbursements.
• Airbase — combined AP automation and spend management with purchasing workflows and embedded payments.
• Brex — finance operations stack that couples corporate cards with spend controls and expense reconciliation.
• Expensify — expense reporting and reimbursement automation suitable for teams that need employee expense management.
• SAP Concur — enterprise-grade travel and expense management with broader ERP integration and compliance features.
• FreshBooks — simpler invoicing and accounting for small businesses that need lightweight AR and expense features.
• QuickBooks Online — accounting platform with broad ecosystem and many third-party AP/automation add-ons.

Paid alternatives to Fini

• Bill.com: focused AP automation, invoice workflows, and vendor payments with strong integration to established accounting systems.
• Tipalti: global payout orchestration and tax compliance features, suitable for organizations paying many international vendors.
• Stampli: invoice collaboration and AI-backed coding with an emphasis on exception handling and audit trails.
• Airbase: integrated purchasing, bills, and corporate card control for teams that want consolidated spend management.
• Ramp: spend management and corporate cards with automated reconciliation and vendor savings features.

Open source alternatives to Fini

• ERPNext: full-featured open source ERP with accounting, purchase, and invoice modules that teams can self-host and extend.
• Odoo: modular open source ERP with accounting and AP modules; requires configuration for automated OCR and advanced reconciliation.
• Fava: an open source web interface for Beancount that supports ledger views and reporting—better suited for technically inclined teams.

Frequently asked questions about Fini

What is Fini used for?

Fini is used for accounts payable automation, reconciliation, and cash-flow forecasting. Finance teams use it to extract invoice data, match payments to ledger entries, and generate short- to medium-term cash projections. It reduces manual bookkeeping and centralizes vendor and payment state for more predictable finance operations.

Does Fini integrate with QuickBooks and Xero?

Yes, Fini provides native connectors for QuickBooks and Xero. These integrations synchronize chart of accounts, vendors, invoices, and journal entries so reconciled transactions in Fini can be posted back into the general ledger automatically. Integration setup includes one-way and two-way sync options with configurable mapping.

How much does Fini cost per user per month?

Fini starts at $15/month per user for the Starter tier when billed monthly, with a discounted annual rate of $12/month per user. Professional and Enterprise tiers carry higher rates to support advanced reconciliation, payments, and multi-entity features.

Is there a free version of Fini?

Yes, Fini offers a Free Plan that includes basic invoice capture and up to 50 documents per month for a single user. The Free Plan is intended for evaluation or very small teams; paid plans expand capacity, connectors, and automation capabilities.

Can Fini be used for international payments?

Yes, Fini supports international payment rails through integrated payment partners. Enterprise and Professional tiers include options for ACH, wires, virtual cards, and select cross-border payment providers to cover common global payout scenarios. Currency handling and tax compliance features vary by plan and region.

Does Fini offer an API for automation?

Yes, Fini exposes a RESTful API and webhooks for document upload, parsed data retrieval, reconciliation status, and payment initiation. The API uses OAuth 2.0 and supports bulk endpoints, idempotency, and developer SDKs to accelerate custom integrations.

How secure is Fini with financial data?

Fini applies standard enterprise security controls including encryption in transit and at rest and role-based access controls. The platform supports audit logging and configurable retention policies; Enterprise plans provide advanced security options such as SSO, SCIM, and contractual compliance addenda.

How long does it take to implement Fini?

Implementation typically ranges from a few days to several weeks depending on the number of integrations and custom mappings required. Small teams with standard accounting systems can complete setup quickly using pre-built connectors, while large enterprises may run 4–8 week pilots with custom mappings and vendor onboarding.

Can Fini handle multi-entity accounting?

Yes, Fini supports multi-entity and multi-book setups on higher-tier plans, with configurable mapping to separate ledgers and consolidated reporting. Multi-entity support includes per-entity chart-of-account mappings, intercompany transaction handling, and consolidated cash views.

What training resources does Fini provide?

Fini provides documentation, API guides, and onboarding support for paid plans. The company supplies step-by-step setup guides, best-practice templates for mapping accounts, and onboarding assistance for pilot customers. Enterprise customers typically receive dedicated customer success or implementation resources.

Fini careers

Fini maintains hiring pages and careers listings for roles in product, engineering, finance, and customer success. Open positions typically include software engineers with experience in ML/AI, backend API developers, product managers with fintech experience, and accounting operations specialists who bridge product and customer workflows. Career pages describe compensation bands and benefits and may list remote and regional requirements.

Fini affiliate

Fini runs partner and referral programs for accounting firms, implementation partners, and payment service providers. Affiliate and partner programs offer commission or referral credits tied to customer acquisition and onboarding milestones. Interested partners can apply through Fini's partner program page for details on revenue share and technical requirements.

Where to find Fini reviews

You can find customer reviews and case studies on software review platforms, independent blogs, and industry publications that cover finance automation. For vendor-provided case studies and customer references, see Fini's customer stories and whitepapers (https://fini.ai/customers). Independent user reviews and ratings appear on accounting software comparison sites and third-party marketplaces.