"Their Brand. Our Engine."

Every accounting firm hits the same wall eventually. Compliance work is commoditizing, and clients want more than a tax return. They want to know if they can make payroll in six weeks. Most firms cannot staff that. Hiring a CFO for every client does not scale, and building the technology in house does not either.

Finoya exists for that gap. It is white label AI CFO software. Accounting firms, fractional CFOs, and bookkeepers put it in front of their SME clients under their own name. The client sees their advisor. They do not see Finoya.

The Real Problem

Profit and cash are not the same thing. A business can look profitable on paper and still miss payroll, because a monthly report catches the gap after the moment to act on it has passed. What clients actually need is someone watching continuously.

Finoya connects into a client's accounting platform, with 20+ integrations supported, and puts an assistant called Noya on top of that data. Noya explains, flags, and recommends. It does not generate numbers. Every figure is calculated directly from the client's own connected data, with no internet browsing and no guessing.

In practice, that means a running cash flow health score, rolling forecasts built from real transaction history, scenario testing before a decision is made, and plain English answers to the questions SME owners actually ask.

Built to Arm Accountants, Not Compete With Them

Finoya is not sold to SME owners directly. The firm relationship is the whole model. A client under a white label deployment sees their own accountant's name on the tool, and the firm keeps the relationship while adding a layer of advisory value it did not have to build itself.

The first 5 clients are free. After that, it is $39 per client per month.

Why Now

Compliance work is being automated faster than most firms can adjust their pricing around it. The firms still standing in five years will be the ones that shift client relationships from compliance to advisory, and they will need infrastructure to do it without rebuilding their practice from scratch.

Finoya is built to be that infrastructure. Not a competitor to the accountant. An engine, sitting under the relationship the firm already has, doing the watching no accountant has the hours for, and handing back answers the firm can put its own name on.

Their brand. Our engine.