Finance control · UK SMEs

Close the books.
Not the week.

Thirteen-week cash, month-end close, board packs and a copilot that reads your ledger — on top of the ERP you already have. Live in fifteen minutes.

No card required · Cancel any time

Illustrative — not live data

fin-central.com/cash-flow

Closing cash · week 13

£412,880

Dips week 9
ConnectReconcileForecastReport
✓Bank reconciled — 248 of 251 matched
✓AR ageing refreshed · 6 chases queued
·Month-end checklist — 4 items open

Runway

7.4 mo

Overdue AR

£38.2k

Close

Day 4

Example layout with made-up figures — not a customer, not a screenshot. Your numbers come from your own ledger.

Built for finance directors who want the answer before the board asks the question.

Read-only Xero and SageFull audit trailNo migration

How it works

Four steps. Then one click brings the numbers current.

1

Connect

Xero, Sage read-only, QuickBooks or a CSV. Fifteen minutes.

2

Reconcile

Bank, AR and AP matched automatically. Exceptions surfaced, not buried.

3

Forecast

A 13-week cash view that rebuilds the moment you sync.

4

Report

Month-end checklist, board pack and audit trail — signed off in the app.

What it covers

The whole finance month

All features →

The problem is real

Your ERP records transactions. It does not close the books.

50%

of finance teams still take a full week to close the books

CFO.com / Ledge

15 min
To first insight
vs 6-month ERP projects
12
Copilot tools
ledger-grounded, cited
£0
Migration cost
your ERP stays put

Why not just Excel?

Excel breaks. ERPs do not forecast. You need both problems fixed.

CapabilityExcel + ERPERP aloneFin-Central
13-week cash forecastManual rebuildAdd-on or missing
Anomaly detection (dupes, spikes)Manual reviewNot included
Agentic Finance Copilot + citationsChatGPT (hallucinates)Basic reports
Month-end close checklistSpreadsheetNot included
FD digest, on demand (email-ready)Manual emailNot included
One-click Xero / QBO / Sage syncCSV exportNative only
Setup timeHours weeklyMonths15 minutes
Monthly cost (SME)Hidden FD time£500–£5k+From £149
ROI calculator

What Fin-Central pays for itself

UK finance leaders bill £75–£150/hr. If Fin-Central saves even 12 hours a month, it's already net positive.

Time value / mo
£1,615
Plan cost
£299
Net benefit / mo
£1,316
Payback
5.4×
vs subscription

Annual net upside: £15,792 — before faster collections, audit savings, or avoided interim FD days.

Pricing

Less than a day of FD time. A month of control.

Fourteen-day trial · Annual billing saves up to 20%

Starter
Cash control for owner-managed businesses
£149/mo
Up to 3 users
  • 13-week cash forecast
  • AR control & bank reconciliation
  • Xero / QuickBooks / Sage connect
  • Finance Copilot (ledger-grounded)
  • Email support
Start 14-day trial
Recommended
Growth
Full finance control for scaling SMEs
£299/mo
Up to 10 users
  • Everything in Starter
  • Month-end close checklist
  • Audit pack & board pack
  • Balance sheet recs & supplier savings
  • Priority support + onboarding call
Start 14-day trial
Scale
For groups, PE-backed ops & accountant practices
£499/mo
Unlimited users
  • Everything in Growth
  • Multi-entity ready (roadmap)
  • Practice pricing for multi-client portfolios
  • Dedicated success manager
Book a walkthrough

For accountants & CFO practices

Fin-Central for your client work

Close, cash and board packs without rebuilding a spreadsheet each month. Each client runs in its own Fin-Central account, with its own ledger connection and audit trail.

Partner programme

Your board pack is due Friday.

Connect your ledger this afternoon. Send the pack tonight.

Xero · QuickBooks · Sage · CSV — no migration required