Finoya is an AI CFO built for small and medium businesses and the accountants who work with them. It connects to your accounting software, reads your financial data, and then tells you what is happening, what is coming, and what you should do about it.
Your accounting software like QuickBooks or Xero records the past. Every invoice, payment, and expense gets logged there. But accounting software does not tell you whether you will run out of cash in 60 days, or which clients are consistently late, or whether you can afford to hire someone next month. That is the gap Finoya fills.
What Finoya actually does
Cash Flow Health scoring
Every time you open Finoya, you see a score out of 100 for your cash flow health today, in 30 days, and in 60 and 90 days. This score is calculated from your actual financial data. It is not an estimate or an industry average. It reflects your specific business.
A score above 70 generally means you are in a healthy position. A score dropping below 50 is an early warning that you need to take action. The score changes every week as new data syncs from your accounting software.
Proactive Financial Insights
Finoya does not wait for you to ask questions. When you open your dashboard, Noya has already analysed your data and surfaced the most important things you need to know. You might see an alert that three invoices have been overdue for more than 30 days, or that your burn rate increased by 40% this month, or that your projected cash balance in 45 days drops below a safe threshold.
These insights are generated from your own data. Noya learns the patterns in your specific business over time, which means the alerts and recommendations become more relevant the longer you use the platform.
Cash flow forecasting
The Forecast screen shows you what your cash position will look like over the next 30, 60, and 90 days based on your current income, outstanding invoices, scheduled bills, and expense patterns. You can also run scenario planning to test the financial impact of decisions before you make them.
For example, you can model what happens to your cash flow if you hire a new team member at a specific salary, or if a major client pays 30 days late, or if you increase your marketing spend by 20%. The tool runs the numbers instantly and shows you whether the move is safe.
Ask Noya
Noya is your AI CFO. You can ask it anything about your business finances in plain language and get an instant, data-backed answer. You do not need to know accounting terminology. You can ask things like:
• Which customers have not paid me in the last 60 days?
• What is my net profit this month compared to last month?
• How many days of cash do I have left if no new income comes in?
• What are my biggest expenses this month?
Noya responds with specific numbers from your data, not generic advice. It also suggests follow-up questions so you can dig deeper without needing to think of what to ask next.
Recommendations
The Recommendations screen shows you a prioritised list of financial actions based on what Noya has found in your data. This might include following up on specific overdue invoices, reviewing expenses that have increased significantly, or flagging that your cash runway is getting shorter.
Who is Finoya for?
Small and medium business owners
If you run a business and find yourself guessing about cash flow, chasing your accountant for answers, or making financial decisions based on gut feel rather than data, Finoya gives you a clear picture without requiring any financial knowledge. The dashboard is designed to be read by a founder, not a CFO.
Accountants, bookkeepers, and fractional CFOs
If you manage finances for multiple clients, Finoya gives you a single dashboard to see all of them at once. Instead of logging into each client's accounting software separately, you get a real-time overview of every client's cash flow health, overdue invoices, gross profit, and bills in one place.
Accountants also get access to Ask Noya Premium, which connects to your clients' raw financial data and allows you to run deep analytical queries across their full transaction history. This is built for advisory conversations, not just reporting.
What Finoya does not do
Note Finoya is a financial intelligence and planning tool. It does not replace your accounting software and does not provide tax advice. Tax features are in development and not yet available. |
Finoya reads your data from your accounting platform. It does not modify, delete, or write anything back to your accounting software. Your accounting records remain exactly as they are.
Finoya also does not access information from the internet or external financial sources. Noya's answers are based entirely on the data that has been synced from your accounting platform.
How the data sync works
After you connect your accounting software, Finoya syncs your data automatically every week. The top bar of your dashboard always shows the date of your last sync and when the next one is scheduled.
The first sync after you connect takes approximately one hour because Finoya is importing your full transaction history. Weekly syncs after that are much faster because only new and changed data needs to be pulled.
You currently cannot trigger a manual sync on demand. If you have just entered a major batch of transactions in your accounting software and want them reflected in Finoya sooner, the next weekly sync will pick them up automatically.