Built for brands with finance teams or brands that need one

Finaloop pricing is customized based on your business complexity and operational needs, including factors like transaction volume, sales channels, inventory workflows, and the level of financial and operational support your team requires.

Before getting started, you’ll speak with a Finaloop expert who will walk you through your workflows, explain how Finaloop works, and help determine the best plan for your business.

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Finaloop's real-time bookkeeping solution includes the technology and app integrations needed to bring your financial data directly from your sources of truth into our ecommerce-tailored accounting software as well as the bookkeeping team to provide the actual bookkeeping services - including reviewing your financials for missed opportunities or unusual transactions and answering any questions you have about your books. For more information about our software, check out our Product page. To learn more about our services and how to create the best financial stack for your business, check out our Services page.

Finaloop Platform is built for brands with internal finance teams or CFOs that want real-time accounting, inventory, reconciliation, and analytics infrastructure built specifically for ecommerce and retail. Finaloop replaces fragmented finance tools and spreadsheets with one unified financial operating system, while your team continues managing day-to-day financial operations internally. Finaloop supports your team throughout month-end and year-end close and provides ongoing expert support.

Finaloop Full-Service includes everything in Platform, plus a dedicated Finaloop team to manage your financial operations for you. This includes support with AP/AR workflows, bill and invoice processing, inventory and COGS operations, reconciliations, and ongoing financial oversight. Full-Service is designed for brands that want deeper operational support without building a large internal finance team.

During your free trial, you can integrate your apps, view your financial dashboard, orders, and inventory, and access your real-time Profit and Loss report (P&L) and Cash Flow statement. The reports and the app are open for the onboarding month and for the previous 2 months.

For example, if you onboard on June 15, your free period is April 1 to June 15, plus the free trial. The reports are based on our ecommerce-specific Chart of Accounts. To view your completed Balance Sheet or file your taxes, you’ll need to subscribe to our service (trust us, you’ll want to 😉).

QuickBooks, Xero, and NetSuite are accounting software platforms or ERPs that require your team to manage the accounting operations behind them. Finaloop combines real-time accounting software, inventory workflows, reconciliation, analytics, and dedicated ecommerce finance expertise into one unified financial operating system built specifically for ecommerce and retail brands.

Unlike traditional accounting software or ERPs, Finaloop continuously reconciles and validates your financial data across stores, payments, banks, inventory, and operational systems in real time. This gives brands accurate, up-to-date financial visibility without relying on spreadsheets, disconnected apps, or manual reconciliation workflows.

Both Finaloop Platform and Finaloop Full-Service include ongoing support from Finaloop’s ecommerce finance team and managed month-end and year-end close. Full-Service additionally includes a dedicated team to manage your day-to-day financial operations, including AP/AR workflows, inventory operations support, reconciliations, and ongoing financial oversight.

For many ecommerce and retail brands, Finaloop replaces not just accounting software, but also fragmented finance tools, inventory spreadsheets, manual reconciliation processes, and outsourced bookkeeping workflows.

Many of our customers also sell offline to B2B, wholesale marketplaces, or retail stores. With Finaloop, you can issue invoices, and auto-match payments through wire or ACH. We also sync with Shopify draft orders and B2B orders, Paypal, Stripe, SPS, and more.

No. Finaloop replaces traditional accounting software, bookkeeping tools, ERPs, and many of the disconnected systems ecommerce and retail brands typically rely on to manage their finances.

Your subscription includes access to Finaloop’s real-time financial operating system, where you can connect your stores, banks, payment processors, payroll providers, inventory systems, ad platforms, and more, all in one place.

Finaloop gives you real-time financial reporting, reconciliation, inventory visibility, profitability analytics, and operational insights without relying on separate accounting software, spreadsheets, or manual workflows.

Cancellation policy

You can cancel your subscription at any time. No hidden fees. You are the sole owner of your information. If you ever decide to leave Finaloop, you can take all your data with you and use it with any other bookkeeping or accounting firm. Super simple.

Note that, the year-end close of your books, which includes all the documentation required by the IRS to make them tax-ready and optimized, is a separate task from the ongoing management of your books. This is done by a separate team fully dedicated to this process. Therefore, if you're looking to cancel your account after December 31 but still want to complete the year-end close of your books with Finaloop, you need to have an active subscription during the book-closing process. Please note that if you are subscribed to the Finaloop tax plan, you will also need an active subscription during the tax preparation and filing process.

The timeline for this process depends on the velocity of your feedback and availability to provide the required information. To help you accelerate this process, we prioritize the year-end closing (and tax filing, as relevant) of your books over other accounts, so you're never paying for any value you aren't receiving.

Refund policy

Subscription fees: Finaloop subscription fees paid monthly or annually are non-refundable.

Historical catch-up and 1:1 implementation fee: We understand that despite the best intentions, life can get hectic, and the timing for completing onboarding might no longer be ideal. If you subscribed but couldn’t find the time or resources to meet with your Finaloop CPA and complete onboarding within the first four weeks, you have the option to pause your subscription until you’re ready to proceed. We’ll add you to our waiting list for future onboarding when you’re prepared to start again. Alternatively, we can issue a refund for the catch-up and implementation fee (minus processing fees).

We’re happy to catch up your books from the beginning of the year! We may even be able to provide you with books from previous years, depending on the apps you use for your business.

Your books for the onboarding month and the previous 2 months are free. For example, if you onboard on June 15, your free period covers April 1 - June 15, plus your free trial.

If you'd like to include earlier months, there's an additional catch-up and implementation fee based on your monthly subscription price for each month that needs to be caught up. In other words, if you onboard with Finaloop on June 15, your April, May, and most of June books are free! If you also want January to March included (recommended), you'll pay the one-time historical catch-up and 1:1 implementation fee for those months.

We often run special promotions with discounts on catch-up services, so if you have several months to catch up, feel free to chat with us before getting started.

‍Important tip: To avoid year-end challenges and major tax headaches, it's strongly recommended to catch up your books in Finaloop from January 1. Otherwise, you may end up spending tax season dealing with multiple data sources, inconsistencies, and reconciliation gaps from your apps and banks. Starting fresh ensures a smooth transition and fully accurate books going forward.

As part of Finaloop's tax package, we'll introduce you to an experienced tax CPA in our network to work with you and determine your specific scope based on your needs.

Generally, tax packages with our partners can include:

1. Your business’s federal income tax return

2. Your business's State income tax return(s),

3. Where relevant, international tax forms 5472, 5471, 1042-S, etc., and non-standard tax forms such as Form 2553, and individual tax return filing,

4. Tax optimization. They'll work to get you all the tax benefits and deductions available, and

5. Tax consultancy & planning. They can assist you with structuring your business affairs in the most tax-efficient manner given your personal objectives covering business, personal and estate tax implications.

Yes! As part of both the Core and the Premium plans you have unlimited email support from accounting and ecommerce experts, happy to answer any questions you may have. We strive to respond to your questions in 1 business day or less! 

Our Premium plan also includes a monthly financial review call with a dedicated accounting manager to provide additional help and support as needed. To learn more about which plan is right for you, click Get Started and book a call with one of our experts!

Our fees are pretty straightforward, but when you have non-straightforward activities, we may need to charge a bit more to cover the expert time and effort needed to get things right.

Here are some examples of when additional fees may apply:

1. An entity conversion that requires closing a short tax year.

2. Acquisition of an activity, business, or company that requires a purchase price allocation.

3. Disposition or sale of an activity, business, or company.

The exact fee depends on the complexity of the work.  We’ll always provide a custom quote before starting, but as a general guideline, additional fees usually range from 2–4 times your monthly subscription.

Yes! Whether you use the Core or Premium plans, Finaloop works with you to ensure you have completely accurate financials, including the inventory and COGS calculations. 

We offer 3 methods of COGS tracking so you can choose which best works for your business: (1) purchase based works for brands with little inventory (usually less than $3,000 a month), like dropshippers, (2) sales based works for brands with larger inventory values that track their COGS in an external software, like an ERP or inventory management software, and (3) unit based is for brands with larger inventory values that need a better process to track their COGS and want to use Finaloop’s native inventory management system. The first 2 methods are available at no extra cost. The unit based method is available as part of our InventoryIQ add-on service.

No, you don't need a Fractional CFO to work with Finaloop.

As your brand grows, you may choose to bring one on or you can ask us for an intro to one of the expert ecommerce-focused Fractional CFO partners to review your financials monthly and provide practical, strategic advice to accelerate your growth. You can read more about our services and how many brands set up their financial stack here.