Finance control for UK finance teams
Know the week cash runs short.
Close the month on time.
A 13-week cash forecast, aged debtors, bank reconciliation, a month-end close checklist and a board pack — built from the ledger export you already have from Xero, QuickBooks, Sage or another system. No migration, and no connection to your accounting system to approve.
First-time customers get a 14-day free trial with no credit card · Cancel any time
If you have subscribed to Fin-Central before, no trial applies and payment is taken when you subscribe.
No data to hand? After you sign up, one click loads a synthetic demo ledger so you can see every screen working first.
Illustrative — not live data
Closing cash · week 13
£412,880
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.
For finance directors and finance managers at UK businesses, typically £2m to £50m turnover.
- ICO registration ZC176381
- App, database and backups hosted in London
- Two-factor sign-in
- Preparer and reviewer roles
- Full audit trail
- DPA and subprocessors published
What it covers
The finance month, from one import
- 13-week cash forecast
Receipts, payables and recurring costs week by week, with the week cash runs lowest flagged and scenarios to move it.
- Aged debtors and chase list
Who owes what, how overdue each invoice is, and who to call first.
- Bank reconciliation
Bank lines matched to invoices and bills to the penny, with the exceptions listed rather than buried.
- Month-end close
One checklist with owners and sign-off, balance-sheet reconciliations and anomaly checks.
- Board pack and audit pack
P&L, balance sheet, cash and editable commentary, ready to print or save as PDF, plus an evidence-backed audit pack.
- Finance Copilot
Questions about your numbers answered from your own ledger, citing the rows used.
How it works
Four steps, from the export you already run.
Figures are as at your last import, and the board pack names the import it was built from.
Export
Run the ledger report you already use in Xero, QuickBooks, Sage or another system and save it as CSV or Excel.
Import
Upload it. 27 general-ledger layouts are recognised, including Sage 50 desktop, with invoices, bills and bank lines alongside.
Review
See the 13-week forecast, aged debtors and the bank exceptions, all as at that import.
Close and report
Work the close checklist, then send the board pack. Import again next month; anything restated is flagged.
Why it works from your export
A dated snapshot you can evidence, not a live feed.
Month-end, lender and board work runs on numbers as at a date. Working from your own export means every forecast and pack ties back to a specific upload, and nothing needs access to your accounting system.
What you gain
- No access token to grant, store or revoke.
- Works with ledgers that have no API, Sage 50 desktop included.
- Every pack ties to a dated upload; a re-upload is compared and restated months are flagged.
The trade-off
- Figures are only as current as your last import.
- Someone has to run the export, usually at month-end or weekly.
- If you want a hands-off daily feed, a sync-based tool will suit you better.
Who it is for
Built for the person who owns the numbers
Finance directors and finance managers
A 13-week forecast built from the ledger for the lender conversation, a close checklist with owners and sign-off, and a board pack generated from the same numbers instead of copied into slides.
Start a free trial →Fractional CFOs
Numbers as at each client's own dated export, with preparer and reviewer sign-off on the close and the reconciliations.
Start a free trial →Accountancy practices
Close, cash and board packs for client work, one Fin-Central account per client. Practice pricing on request.
For accountants →The problem is real
Your ledger records transactions. It does not close the books.
of finance teams take six or more business days to close the books
Ledge survey of 100 finance staff at firms of 51+ employees, reported by CFO.com. Not a UK-only sample.
Why not just Excel?
Spreadsheets break. Your ledger records the past. You need both problems fixed.
| Capability | Excel + ERP | ERP alone | Fin-Central |
|---|---|---|---|
| 13-week cash forecast | Manual rebuild | Add-on or missing | |
| Anomaly detection (dupes, spikes) | Manual review | Not included | |
| Ledger-grounded Finance Copilot + citations | General chatbot, no ledger access | Basic reports | |
| Month-end close checklist | Spreadsheet | Not included | |
| FD digest, on demand (email-ready) | Manual email | Not included | |
| Import from Xero / QBO / Sage exports | Copy and paste | Native only | |
| Monthly cost (SME) | Hidden FD time | Varies by vendor | From £99 |
Comparing forecasting and reporting tools? See how Fin-Central compares, including where other tools are the better fit.
Model the return on your own numbers
Set your own estimates. The results are arithmetic on the numbers you choose — not a measured or typical saving; we have no customer results to quote.
Annual net upside on your estimates: £3,252. Illustrative only — not a promise of any saving.
Pricing
Less than a day of FD time. A month of control.
Fourteen-day trial · Annual billing saves up to 20% · Any VAT due is included in the price shown
- 13-week cash forecast
- AR control & bank reconciliation
- Xero / QuickBooks / Sage export import
- Finance Copilot (ledger-grounded)
- Email support
- Everything in Starter
- Month-end close checklist
- Audit pack & board pack
- Balance sheet recs & supplier savings
- Priority email support + onboarding call
- Everything in Growth
- Reconcile Mode & AI audit packs
- Named contact for onboarding
Questions
What buyers ask first
Does Fin-Central connect to Xero, QuickBooks or Sage?
Not directly. You upload the export your accounting system already produces, as CSV or Excel. Direct connections are built but not switched on for this service, so there is no access token to grant and nothing in your accounting system is read or changed by us.
How current are the numbers?
As current as your last import. The dashboard shows how fresh the data is and the board pack names the import it was built from. Import again whenever you want the latest: a general-ledger re-upload is compared with what is already stored, and any month it restates is flagged.
Can I try it without my own data?
Yes. After you sign up, one click loads a synthetic demo ledger - an invented company with invented figures, labelled as such on every screen - so you can see the forecast, aged debtors, bank reconciliation and board pack working. One more click removes it before you import your own.
Where is my data held?
The application, its database and backups are hosted by OVHcloud in London. Some services run elsewhere, including email delivery and the AI model provider used by the Copilot, and every one is named on our subprocessors page. We hold no security certification today; the trust page sets out the controls we do run.
Does the AI make up the numbers?
No figure comes from a language model. The forecast, ageing, bank matching and board pack are calculated by ordinary code from your import. The Copilot answers through finance tools that read your ledger and cite the rows they used, and each AI feature can be switched off per workspace.
What does it cost?
Starter £99, Growth £299, Scale £449 a month, or less per month on an annual plan. Any UK VAT due is included in the price shown. First-time customers get a 14-day free trial with no credit card
Your board pack is due Friday.
Import your ledger export. Build the pack from it.
Works from Xero, QuickBooks and Sage exports (CSV/XLSX) — no migration required