FinFlow Business
The owner's dashboard, not the bookkeeper's ledger. Cash basis, multi-currency, multi-business. Clear answers to what owners actually ask — how much runway, which clients drive revenue, what's coming up next month.
Vision
Small businesses get two kinds of finance software thrown at them. Either heavyweight bookkeeping suites — invoicing, VAT, double-entry, chart of accounts, the whole compliance machine — built for the accountant, not the owner. Or spreadsheet templates handed down from some bigger business that doesn't fit how you actually work.
FinFlow Business takes a third path: the dashboard the owner actually wants, separated from the books the accountant maintains. You log what happened in cash terms — a class paid for, a delivery to a client, a supplier paid, an FX transfer between your accounts — and the app produces the picture that lets you make decisions. How many months of runway is the business carrying. Which clients are driving revenue and which look like they're slipping. What's recurring and what's irregular. What's coming up next month that you should be aware of. The accountant gets their data from the bank statement; you get yours from the entries you logged, and the two reconcile when they need to.
We believe three things, and the whole app follows from them:
1. Owner's clarity is not the same problem as bookkeeping.
A bookkeeper needs every transaction categorized for tax. An owner needs to know what the business is doing this month. Those overlap about 20% of the time. The other 80%, bookkeeping software is asking the owner questions they don't need to answer — and not asking the ones they do. Biz is for the second list.
2. Cash basis tells you what's real.
Money in your account on this date is what you can act on. Invoices issued but unpaid are a promise; a payment that arrived is a fact. Decisions get made on facts. We don't model accruals, deferrals, or revenue recognition rules — those are your accountant's problem, and they have better tools for it. We model cash, in the currencies you hold it in, across the businesses you run.
3. Small businesses are not small enterprises.
Tools built for accountants drown owner-operators in fields they'll never use. A yoga teacher doesn't need a chart of accounts; they need to know that Tuesday's classes covered the studio rent. A sibling-run import business doesn't need a project-billing module; they need to know who paid whom this month and what's still outstanding. Every feature in Biz is in the app because owners asked for it, not because the category demanded it.
We're not trying to replace your accountant. We're trying to give you the picture they can't give you — clear, current, in the currencies you actually use, across the businesses you actually run.
How Business fits the family
Three apps. One account. One design language. Data that flows.
- Life ↔ Business. Money the business pays you — a draw, a salary to yourself, a dividend distribution to an owner — is the most common bridge between the two. You log it as an outflow in Business, and it can land in Life as personal income, with the right category set, without re-entering anything. Owner seats may eventually bundle a Life Pro subscription so the two apps are one purchase.
- Workers and team members. You can add team members (a part-time helper, a bookkeeper, a contractor) to a business so paying them is a click. They never see your dashboard; they're not paying users. Workers and bookkeepers you add will never pay.
- Ownership and distribution. If a business has multiple owners — siblings running something together, partners, a small family-held operation — Business tracks the cap table and the distribution flow. Profits taken out can be allocated by share and flow into each owner's personal Life account as income.
- One sign-in. Sign in once. Switch between apps from the sidebar. Auth doesn't break between them. The same Hebrew/English locale follows you across apps.
The everyday case is one tap. After the first week, the question "which app is this in" stops mattering.
What's in the app
- Multi-business. Each business is fully isolated — its own accounts, categories, clients, currencies, opening balances, ownership. Switch between them in the sidebar. Combined view sums across them when you want the personal picture.
- Accounts. Banks, brokers, credit issuers, fintechs. Each account holds cash in its own currency, plus optional deposits, portfolio holdings, or cards as nested items. Opening balances seed the start date; events forward.
- Transactions. Every inflow and outflow across every account. Direction (in / out), amount, currency, account, category, client or supplier, recurring or one-off, optional note. The unified add form remembers your last few moves so it's fast.
- Clients and suppliers. People and entities you work with. Payment history, outstanding balances, contact info, optional tags. Archive when you're done; reopen if they come back.
- Appointments calendar. Service businesses — yoga studios, salons, consulting practices — see their week visually, with appointment status (scheduled, completed, completed-unpaid, cancelled, no-show) and a tally of who's paid for what.
- Recurring entries. Salary, rent, subscriptions, recurring invoices — forward-only generation (no back-filling past dates). Confirms each cycle so you stay in control.
- Categorization rules. Auto-categorize transactions based on description, payee, amount, currency, or account. The app suggests rules when you fix a category in the import grid the same way twice. Rules never overwrite fields you typed by hand.
- Currency Exchange. Record FX trades between your accounts, with rate and fees. Three linked transactions per FX event (the outflow, the inflow, an optional fee), so reconciliation stays clean.
- Review queue. Imported transactions land here when their category isn't obvious. Pick a category for each, or skip; rule suggestions appear when patterns emerge.
- Ownership and distribution. Cap table per business — shares per owner. Distributions are allocated by share and can flow to each owner's Life account as personal income.
- Insights. Two live cards today: cash runway (months of liquid cash at current burn) and client concentration (top clients by share of revenue over your chosen window). Calibrated for owner decisions, not accounting metrics. More cards on the roadmap: budget pace (am I on track this month?), idle cash (money sitting in low-yield accounts that could be earning more), recurring cost drift (are my subscriptions creeping up?), and FX exposure (concentration risk by currency for multi-currency businesses).
- Combined view. Across every business you run, aggregated to a display currency of your choice. Full or "my share" (filtered by your ownership %).
- Per-account fee schedules. FX fees, transfer fees, trading commissions, recurring monthly platform fees — defaults you set once per institution, applied automatically. Recurring fees can be mirrored as scheduled transactions or stored as a schedule only.
- Personalization. Custom categories, custom client/supplier names (your "students" instead of "clients"), per-business avatar colors. The app meets the language of your business.
What's intentionally not in the app: VAT/sales-tax engine, double-entry bookkeeping, invoicing, accountant exports, chart of accounts, ads, in-app purchases, social feeds, investment advice, hallucinated "insights," bank-credential capture, and any data-sharing with third parties.
How a typical month looks
Day 1 of the month.
Rent due on the studio — recurring entry, one tap to confirm. Monthly bookkeeper invoice arrives — recurring outflow, one tap. Bank fee for the foreign-currency account — already scheduled. You're set up for the month.
Through the month.
Clients pay for classes — log them as they come in, or import a bank statement and run the review queue once a week. Appointments get marked completed (or no-show, or cancelled). A supplier invoice arrives — log it, due-date set, optional reminder on the calendar. Currency stays right because each account knows its own.
Mid-month.
Overview page — cash position by account and currency, recent activity, what's coming up in the next 30 days. Insights — runway looks like 4 months at current burn; one client is at 38% of this quarter's revenue, which feels high. Two facts an owner needs to know; both visible in 30 seconds.
End of month.
All transactions, filtered to the month — sum by category. Where did the money go? What was recurring vs irregular? Did the side venture pay for itself this month? Compare to last month. Adjust the next month's recurring entries if anything needs to change.
Across the year.
Patterns become visible. Some recurring entries get closed because the supplier raised prices and you switched. Some clients consolidate; others drop off. The category breakdown stops being noisy and starts being a real picture of how the business spends. Tax season, the bank statements and the in-app data reconcile because both are cash-basis records of the same flows.
A few minutes a day at first. Less once recurring entries and rules are set up. The clarity compounds.
Frequently asked questions
Is this bookkeeping software?
No. There's no VAT engine, no double-entry, no invoicing, no accountant exports, no chart of accounts. If you need any of those, keep your bookkeeping software — Business sits alongside it, not in place of it. We give you the dashboard the bookkeeper isn't built to give you.
Does it connect to my bank?
No. We don't connect to banks, credit cards, or any aggregator. You record entries yourself, or you import a CSV from your bank's export and use the review queue to categorize. This is intentional — see the vision section. If automatic bank import is the deal-breaker, Business isn't the right fit.
Why manual entry?
Same answer as the rest of the FinFlow family: the entry is the lesson. Auto-categorized transactions are information without weight; entries you typed (or reviewed) are moments of awareness. We make the recording fast and the review fast, so the awareness stays cheap.
Why cash basis only?
Because cash is what you can act on. Accrual accounting answers "what was earned in this period." Cash basis answers "what's in the bank, what's coming out, can I make payroll." Owner decisions get made on the second question. Your accountant has tools for the first.
Does it handle VAT (or local sales tax)?
No. VAT is a compliance-side problem and belongs in your bookkeeping software, not in your owner's dashboard. We don't model VAT positions, monthly VAT filings, or tax-period reconciliation. Your bookkeeper handles those.
Can I add my bookkeeper or accountant?
You can add team members and assign them roles. They never pay; they see what they need to see. We don't generate accountant export formats yet — they'd see the data live, in the app.
How many businesses can I run in one account?
Multiple — no hard cap. Each is fully isolated (its own accounts, categories, clients, currencies, opening balances). Pricing will be per-business in time. The combined view aggregates across them when you want the personal picture.
What currencies are supported?
Any currency, side by side. Each account holds its own currency. Reports stay accurate per-currency, and the combined view aggregates to a display currency of your choice. Currency Exchange events record rate and fees when you move between currencies, so reconciliation stays clean.
What languages?
English and Hebrew, with RTL support throughout. Hebrew is shipping in stages — the core interface is bilingual already; some newer surfaces are queued for a native review.
Is my data safe?
Your data lives in your account on Google Firebase — encrypted in transit and at rest. Per-business isolation means another user can never see your business data even by accident. No third party sees your data for any reason. If you delete a business, the data is gone.
Is it free?
Free during soft launch. Eventually there will be a paid tier per business — transparent pricing, no asterisks, well before the change. No ads, no data sales, ever. Workers and bookkeepers you add never pay.
Do I need to install anything?
No. It's a web app — open it on a phone or a computer. Works in any modern browser. Mobile is currently analytical-first by design: you can log transactions, manage clients and suppliers, mark appointments, log portfolio events, and run transfers; account setup and bulk operations happen on a larger screen.
Can my partner / spouse / co-owner see the business data?
Only what you choose to share. Co-owners can be added to a business and see its data; everyone else sees only the businesses they're explicitly added to. Ownership and distribution flows respect the cap table you set.
What's the connection to FinFlow Life?
If you also use Life for personal finance, money the business pays you (a draw, a salary, an owner distribution) can land in Life as personal income, with the right category, without re-entering it. Sign-in is shared; locale is shared; the two apps stop feeling like two apps after a week.
What about FinFlow Grows?
Grows is for children's pocket money. Not directly relevant to Business on its own — but if you have kids in Grows and also run a business in Business, your Life account is the hub where allowance flows and business draws both land.
What if I stop using it for a few months?
Nothing happens. Your data is still there, your recurring entries are still set up. Confirmation modals queue up so when you come back, you can confirm the recurring entries that should have fired or skip the ones that shouldn't have. No streaks, no daily-quest pressure.
Can I export my data?
Transactions can be exported as CSV today (filtered or all). Clients and suppliers can be exported with their totals. A full account export is on the roadmap.
What does it cost?
Currently nothing. When pricing lands we'll write here exactly what it costs and what's included — no asterisks. Pricing will be per-business; an owner seat may bundle a Life Pro subscription so the two apps are one purchase, but that's not committed yet.
Request access for Business
Invite-only soft launch. If you're running a small business and the dashboard your bookkeeping software gives you isn't the picture you actually need — tell us a bit about what you do, and we'd like to hear.