Payables and receivables that protect your runway, not just process your bills

Reliable vendor payments, disciplined collections, and a cash position you can plan around. Managed AP/AR that gives your finance operations the consistency and visibility your business depends on

Get a cash flow assessment See what’s included

<24 hrs

Bill processing time

98.5%

First-pass coding accuracy

Late penalties across all clients

12%

Working capital improvement

Why founders switch

Four shifts that turn AP/AR from an operational task into a cash flow advantage

Pain:

Bills processed late because no one owns the workflow

Bills verified by your controller, coded by AI on receipt

AI extracts vendor details and assigns the correct GL category the moment a bill arrives. Your controller validates the coding, confirms the amount, and routes it through your approval workflow before disbursement is scheduled.

Pain:

Invoices sent on time, but collections left unmanaged

Your controller tracks every invoice from delivery to deposit

Automated reminders go out at configurable intervals, and your controller follows up directly when a client passes terms. Aging patterns are monitored consistently so overdue accounts are addressed at 30 days, well before they reach 90.

Pain:

No clear view of net cash impact from AP & AR

CFO reviews AP/AR position & cash impact weekly

Payables mapped by vendor and due date, receivables tracked by client and aging band, and the combined effect on your cash position updated in real time. Your CFO flags timing risks and recommends disbursement sequencing to keep your cash cycle aligned with operations.

Pain:

Vendor payment terms set once and never revisited

Your CFO optimizes payment timing and terms every quarter

Early-pay discounts worth capturing are identified, terms that no longer match your cash cycle are renegotiated, and vendor spend is reviewed by category. Payment timing is managed as a deliberate strategy aligned to your working capital position.

How it works

Your finance team handles the operation. You see the results

Four dimensions of your AP/AR experience, from the controls you set to the safeguards that protect every transaction

Your rules govern every transaction

Approval thresholds by vendor, amount, or category. Escalation timing for overdue receivables. Real-time alerts or weekly digest. Your rules govern every transaction.

Works alongside your existing stack:

Operates inside QBO or Xero. Connects to Bill.com, Ramp, and Brex. No proprietary platform, no forced migration

Purpose-built AP/AR reporting, delivered as part of every engagement

Get a custom scope estimate

AP aging with forward payment calendar

Every vendor obligation by due date, amount, and status. Upcoming disbursements projected 30 days forward with cash impact.

AR aging with full collection history

Outstanding invoices by client and aging band, with follow-up dates, response status, and next scheduled action per account.

Cash flow timing report with CFO review

Projected weekly impact of payable outflows and receivable inflows on available cash. Annotated with timing adjustments by your CFO.

Quarterly vendor spend analysis

Spend broken down by vendor category and payment terms utilization, with early-pay discount opportunities identified by your CFO.

Year-round 1099 compliance package

Every contractor payment tracked with W-9 status and threshold monitoring. 1099s prepared and filed at year-end, no last-minute reconciliation.

The proof

Six metrics we track across every managed AP/AR engagement

Six metrics we track and publish. Ask your current provider for the same

99.8%

Vendor payment on-time rate

Industry average: 84-89%

100%

1099 filing accuracy, zero amendments

Across all managed clients

2.4 hrs

Bill-to-approval turnaround

Industry norm: 3-5 business days

Duplicate payments processed

Average startup: 1-2 per quarter

91%

Invoices collected within terms

Industry average: 62-70%

14 days

Onboarding to live operations

Industry norm: 4-6 weeks

What founders typically gain in the first 90 days of managed AP/AR

Measured across time, cash, and operational risk

Day

Operations live

Bill processing is completed within 24 hours, vendor payments stay on schedule, and AR reminders are consistently running.

Your first CFO cash summary is also delivered.

Day

Results compounding

DSO begins trending toward 34 days, the first vendor terms review is completed, and available early-payment discounts are being captured.

Late payment penalties are eliminated.

Day

Full value realized

Working capital improves by up to 12%, founder involvement drops to under one hour per month, and 1099 tracking stays current.

AP and AR now operate as a structured, managed financial function.

Talk to a startup CFO See how it works

Still have questions?

Everything you need to know before getting started

Can I add AP/AR to an existing bookkeeping engagement?

Yes. AP/AR integrates directly with your existing Fintera bookkeeping setup. Your controller and CFO already have context on your financials, which makes onboarding faster

What payment methods do you support?

ACH, wire, check, virtual card, and international payments across major currencies. Payment method is selected per vendor based on terms and cost efficiency

What happens with invoices that go past 90 days?

Your controller escalates directly with the client after automated reminders have been exhausted. Escalation history, contact dates, and recommended next actions are documented and reviewed with your CFO

Do you replace Bill.com or work alongside it?

Either. We can operate within your existing Bill.com setup or consolidate payment operations into a single managed workflow. Your preference determines the approach

Can I set different approval thresholds for different vendors?

Yes. Approval rules are fully configurable by vendor, amount, expense category, or any combination. Multi-tier routing is available for higher thresholds

How is our payment data protected?

SOC 2 compliant infrastructure with bank-grade encryption on all payment data. Every disbursement passes through configurable approval controls. Full audit trail on every transaction, accessible at any time. All access is role-based with activity logging

Your cash flow derserve the same rigor as the rest of your operations

Tell us about your current AP/AR setup. We’ll show you what managed operations look like for your business

Schedule your AP/AR review See plans and pricing