Books that update while you sleep.
Connect your bank and credit cards. Transactions categorize themselves. P&L, balance sheet, and cash flow update daily. Send invoices, track expenses, hand clean books to your CPA at tax time.
Books & Finance, plainly.
Bookkeeping is the boring task that founders skip until April, then panic. The fix is to set up the system once, connect your bank accounts and credit cards, and let transactions flow in and categorize themselves. Our system uses AI to suggest categories based on payee patterns and your historical decisions.
On top of the transaction feed sits invoicing (send branded invoices, get paid by card or ACH), expense tracking (snap a photo of a receipt, AI extracts the data, attached to the right transaction), and the reports any banker or investor wants to see: Profit & Loss, Balance Sheet, Cash Flow Statement, AR Aging, AP Aging.
At tax time, your books are already clean. You either hand them to a tax-prep CPA from our partner network, or export to QuickBooks Online format for an outside CPA. Either way you skip the panic spreadsheet exercise.
Common situations.
What is included.
- Connect any bank or credit card (14,000+ supported)
- AI-categorized transactions
- Profit & Loss, Balance Sheet, Cash Flow Statement
- AR Aging and AP Aging
- Branded invoicing (Stripe-powered card and ACH payments)
- Expense tracking with receipt capture
- Bill pay (ACH and check)
- Year-end exports for tax filing
- QuickBooks Online format export
Four steps. We handle the rest.
How we compare.
- $19/mo or free on Growth
- AI-categorized transactions
- Bank-grade integrations
- QBO export for outside CPAs
- Single bill with formation
- Cancel anytime
| QuickBooks Online | Xero | Wave | File.Business | |
|---|---|---|---|---|
| Monthly cost | $30+ | $13+ | free + paid | $19 / free Growth |
| Bank connections | yes | yes | yes | yes |
| AI categorization | limited | limited | no | yes |
| Single bill with formation | no | no | no | yes |
| Export to QBO | n/a | manual | manual | yes |
“My books were a Google Sheet for 18 months. I switched, connected the bank, and saw a real P&L for the first time. Turns out my best month had been my worst margin month. Changed how I priced retainers.”
The File.Business Promise
If we miss a deadline on a service you pay us to manage, we cover the penalty. If you change your mind within 60 days, we refund our fee in full. Your data stays yours, always.
Common questions.
Is this accounting software or a bookkeeper?
Will my CPA accept it?
Cash basis or accrual?
Can I do multi-entity accounting?
Does it work for inventory?
Can I invoice clients?
How fresh is the data?
What if I need historical data?
Sales tax?
Free on Growth?
Set up your books in about 5 minutes.
Tell us a few details. We do the rest. You get a single dashboard for everything.
On the $129/yr Compliance Annual Filings plan, we cover state late fees.
When you autofile your annual report through the $129/yr plan and we miss the deadline, we pay the state's late fee. The guarantee applies to that specific plan and the filings it includes. Other File.Business services are billed at the prices on this page.
Four steps from request to delivery
File.Business runs your filing on a single concierge workflow. You provide what we need; we handle the rest.
Tell us what you need
2-minute intake. We confirm the filing type, jurisdiction, and any supporting documents required.
We prepare the filing
Our specialists draft the document, validate against state requirements, and queue for your review where required.
We submit to the state
Filed through the state portal. We pay the state fee, track the submission, and resolve any state correspondence.
Confirmation in your vault
state-required document delivered to your SOC 2 encrypted document vault, with deadline tracking for the next filing.