Pricing terms
Everything behind the price, in plain text.
Finley is priced on legal entities, never on seats. A legal entity means a distinct general ledger or a distinct federal tax ID. This page carries every term the pricing page shows in its drawers, table, and questions, rendered open.
01 Clarity
Up to 3 entities · $1,000/mo billed monthly, or $10,000/yr billed annually
For companies from $5M to $50M in revenue. Compares to a fractional CFO.
- An always‑on, Fortune 500‑caliber Chief Financial Officer plus a top‑tier Commercial Banker.
- Proactively surfaces business insights, risks, and opportunities, before you ask.
- Reads what kind of business you are, then builds your CFO dashboard to match.
- Delivers a thirteen-week cash forecast that refreshes itself every morning.
- Tells you what the business is worth, and which levers move the valuation.
- Answers the financing question your banker won't: every option, and which one to take.
- Supports QuickBooks Online, QuickBooks Desktop, and Xero.
- Live in one hour.
Allocation
- Legal entities
- Up to 3, viewed separately
- Users
- 3
- Bank and data connections
- Unlimited
- History
- 3 years
Connections
- Ledgers
- QuickBooks Online, QuickBooks Desktop, Xero
Included
- Active Intelligence
- Insights, risks, and opportunities delivered proactively, not prompted
- Business shape
- Your ledger read to work out what kind of business you run, confirmed with you, so the dashboard matches your industry instead of a template
- Business health dashboard
- Cash position, runway, margin, and AR/AP aging
- Insurance agency dashboard
- Revenue mix across commission, fee, and contingent income; carrier concentration and trend; compensation-to-revenue ratio; operating expense ratio; EBITDA margin and trend
- Distribution dashboard
- Gross margin by customer and product line; revenue concentration; inventory turns and days on hand; DSO and cash conversion cycle; working capital trend
- Forecast
- 13-week rolling cash flow, daily refresh, base case
- Valuation
- Annual baseline with value-driver scorecard
- Financing options
- Ask how to finance a purchase and get every option — term loan, fair market value lease, $1 buyout lease, seller note — what each does to your cash flow, profit outlook, and balance sheet, reasoned over the cash you actually have, and a recommendation
- Practices assessment
- At onboarding: your finance practices scored against best practices, with a prioritized list of what to fix first
- Per-entity views
- Each entity with its own dashboard, forecast, and valuation; combined roll-up is a Command feature
Terms
- Price
- $1,000/month, or $10,000/year (two months free)
- Implementation
- None
- Time to live
- One hour, self-serve: connect QuickBooks or Xero and the dashboard populates
- Trial
- 30 days, free, from the day your access opens
- Support
- 9–5 ET, business days
A legal entity means a distinct general ledger or a distinct federal tax ID.
Annual billing is two months free: twelve months for the price of ten. Renewal increases are capped at 5% per year. Three-year terms are available at year-one pricing, locked.
02 Command
10 entities · $2,500/mo billed monthly, or $25,000/yr billed annually
For companies from $50M to $100M in revenue. Compares to a full‑time CFO, with a small team.
The step up from Clarity: consolidation, treasury, and scenario planning.
- Adds a corporate treasurer, and a public‑company FP&A director at your fingertips.
- Consolidates up to ten entities into one set of numbers, eliminations done.
- Delivers driver‑based scenario planning — base case, best case, worst case.
- Turns idle cash into active yield.
- Watches your debt: flags covenant risk and tells you when to refi.
- Connects to D365 Business Central, NetSuite, Rillet, Sage Intacct, and others.
- Live in two weeks, with our team doing the setup.
Allocation
- Legal entities
- 10 included, up to 15; additional entities $500/month each
- Users
- 10
- Bank and data connections
- Unlimited
- History
- 5 years
Connections
- Adds
- Sage Intacct, Dynamics 365 Business Central, NetSuite
- AI-native ledgers
- Rillet, Campfire, DualEntry
- Direct bank feeds
- Live cash positioning independent of the ledger close
Included
- Consolidation
- Intercompany eliminations; one set of numbers across every entity
- Scenario planning
- Driver-based scenarios — base case, best case, worst case — unlimited and compared side by side, over a 13-week and 12-month rolling horizon
- Treasury optimization
- Idle cash identification, yield recommendations, account structure
- Covenant monitoring
- Early warning before you breach
- Refinance intelligence
- Proactive alerts when your debt should be repriced or restructured
- Valuation
- Live, with gap map to your target number
- EBITDA
- Normalized, with add-back tracking
- Diligence readiness
- Checklist, tracked quarterly
- Custom skills
- Build your own recurring analyses and alerts
- Practices assessment
- Re-scored quarterly, benchmarked against peers
Terms
- Price
- $2,500/month, or $25,000/year (two months free)
- Implementation
- $5,000
- Time to live
- Two weeks, guided: our team maps your chart of accounts and sets up consolidation
- Pilot
- 30-day paid pilot, credits in full toward an annual contract
- Connectors
- One Mapped Export Connector included on an annual contract
- Support
- Priority, 8–6 ET, 4-business-hour response target
A legal entity means a distinct general ledger or a distinct federal tax ID.
Annual billing is two months free: twelve months for the price of ten. Renewal increases are capped at 5% per year. Three-year terms are available at year-one pricing, locked.
03 Counsel
Unlimited entities · custom, quoted on revenue, entity count, and stack
For companies from $100M to $500M in revenue. Compares to a full finance team.
The step up from Command: unlimited entities, custom connectors, and a team scoped to you.
- Adds an M&A banker, and a world‑renowned economist. You get the output of a full finance team, without the headcount.
- Includes two hours a month with a human CFO who knows your industry.
- Builds a board deck from your own consolidated close.
- Models your next acquisition before it closes, then folds it in after.
- Builds your annual operating budget, then tracks every variance to actual.
- Brings headcount‑specific payroll details into the cash flow forecast.
- Connects to Dynamics 365 Finance & Operations, Oracle Fusion, SAP S/4HANA, and others.
Allocation
- Legal entities
- Unlimited
- Users
- Unlimited
- Bank and data connections
- Unlimited
- History
- 5 years
Connections
- Adds
- SAP S/4HANA Cloud, Oracle Fusion Cloud ERP, Dynamics 365 Finance & Operations, Workday Financial Management
- Payroll
- ADP, Paychex, Paylocity, Paycom, Gusto, Rippling, TriNet, Justworks, Insperity. Headcount-specific payroll runs, tax deposits, benefits, and bonus timing enter the cash flow forecast as scheduled outflows
Included
- Market intelligence
- Rates, inflation, energy costs, and credit availability read against your own balance sheet, so a financing or timing decision carries the macro picture and not yesterday’s headline
- CFO advisory
- Monthly session with a CFO who knows your industry; 2 hours included, additional at $450/hour
- Board decks
- Your numbers, your narrative, meeting-ready, off your own consolidated close
- Consolidation
- Multi-currency and multi-ledger; segment-level by brand, region, carrier, or product line
- Acquisition modeling
- Model a target pre-close, fold it in post-close
- Operating budget
- Your annual budget built and designated the plan of record, then actuals tracked against it: favorable and unfavorable by line, with the drivers behind the bulk of the gap isolated
- Reporting
- Custom KPI definitions and board pack layout
- Onboarding
- A Forward Deployed Engineer: custom ERP mapping, bespoke schema, integration into your existing stack
- Connectors
- Two Native API Connectors included on an annual contract
- Access
- Direct Slack access to the Finley team; priority roadmap input
Terms
- Price
- Custom, quoted on revenue, entity count, and stack
- Implementation
- From $25,000
- Pilot
- Paid pilot only, credits toward an annual contract
- Support
- 24×7 for P1 issues, 1-hour response
A legal entity means a distinct general ledger or a distinct federal tax ID.
Custom integrations: a Mapped Export Connector is $5,000 setup and $250/month; a Native API Connector is $20,000 setup and $500/month. Read-only, from a documented cloud API or a customer-scheduled export.
The three, side by side
| Clarity | Command | Counsel | |
|---|---|---|---|
| Monthly | $1,000 | $2,500 | Annual only |
| Annual | $10,000 | $25,000 | Custom |
| Revenue range | $5M–$50M | $50M–$100M | $100M–$500M |
| Legal entities | Up to 3, viewed separately | 10 included, up to 15 | Unlimited |
| Users | 3 | 10 | Unlimited |
| History | 3 years | 5 years | 5 years |
| Connections | |||
| QuickBooks Online, Desktop, Xero | Included | Included | Included |
| Sage Intacct, D365 Business Central, NetSuite | Not included | Included | Included |
| Rillet, Campfire, DualEntry | Not included | Included | Included |
| SAP S/4HANA Cloud, Oracle Fusion, D365 F&O, Workday | Not included | Not included | Included |
| Payroll systems | Not included | Not included | Included |
| Direct bank feeds | Not included | Included | Included |
| Bank and data connections | Unlimited | Unlimited | Unlimited |
| Cash and forecasting | |||
| Business shape read from your ledger | Included | Included | Included |
| Business health dashboard | Included | Included | Included |
| Industry-specific dashboard | Included | Included | Included |
| Active Intelligence | Included | Included | Included |
| 13-week rolling forecast | Included | Included | Included |
| 12-month rolling forecast | Not included | Included | Included |
| Scenarios | Base case | Unlimited | Unlimited |
| Driver-based scenario planning | Not included | Included | Included |
| Annual operating budget and variance to actual | Not included | Not included | Included |
| Treasury optimization | Not included | Included | Included |
| Covenant monitoring and refinance alerts | Not included | Included | Included |
| Financing options, weighed and recommended | Included | Included | Included |
| Market intelligence: rates, inflation, credit | Not included | Not included | Included |
| Multi-entity | |||
| Per-entity dashboards | Included | Included | Included |
| Consolidation with eliminations | Not included | Included | Included |
| Segment-level consolidation | Not included | Not included | Included |
| Multi-currency | Not included | Not included | Included |
| Value and exit | |||
| Valuation | Annual | Live | Live |
| Value-driver scorecard | Included | Included | Included |
| Gap map to target number | Not included | Included | Included |
| Normalized EBITDA and add-backs | Not included | Included | Included |
| Diligence readiness | Not included | Included | Included |
| Acquisition modeling | Not included | Not included | Included |
| Reporting | |||
| Board deck generation | Not included | Not included | Included |
| Custom KPIs and board pack layout | Not included | Not included | Included |
| Custom skills | Not included | Included | Included |
| Onboarding and support | |||
| Practices assessment | At onboarding | Quarterly, benchmarked | Quarterly, benchmarked |
| Time to live | One hour | Two weeks | Scoped |
| Onboarding | Self-serve | Guided | Forward Deployed Engineer |
| Implementation fee | None | $5,000 | From $25,000 |
| Monthly CFO advisory session | Not included | Not included | 2 hours included |
| Support | 9–5 ET | 8–6 ET, 4-hour response | 24×7 P1, 1-hour response |
| Slack access to our team | Not included | Not included | Included |
| Trial | 30 days, free | 30-day paid pilot | Paid pilot |
Custom integrations
Running something we don't connect to yet? We'll build it.
- Mapped Export Connector: we ingest and map a scheduled export from your system. $5,000 setup and $250 a month.
- Native API Connector: full integration against your system's API. $20,000 setup and $500 a month.
Command includes one Mapped Export Connector on an annual contract. Counsel includes two Native API Connectors.
Additional CFO advisory hours beyond the two included with Counsel: $450/hour.
Commercial terms
- Annual billing is two months free. Pay yearly, get twelve months for the price of ten.
- Renewal increases are capped at 5% per year.
- Sign a three-year agreement and year-one pricing holds for all three years.
- Monthly plans cancel any time; you are billed through the end of the current month.
- Clarity includes a 30-day free trial from the day your access opens. Command and Counsel run paid pilots that credit in full toward an annual contract.
Questions
- How is this different from my accounting software?
- QuickBooks records what happened. Finley reads it — tells you what it means, what's coming in the next thirteen weeks, and what your business is worth. Your accountant closes the month. Finley works between the closes.
- Do I need to switch systems?
- No. Finley connects to what you already run.
- What if you don't connect to my system?
- We'll build it. See custom integrations above — most take a few weeks.
- Why is it priced by legal entity?
- Because that’s what makes finance hard. See "One entity equals one set of books" above.
- What counts as a legal entity?
- A distinct general ledger or a distinct federal tax ID.
- How long does setup take?
- Clarity is self-serve — connect QuickBooks or Xero and your dashboard populates within the hour. Command takes about two weeks with our team. Counsel depends on how customized your ERP is; we'll scope it before you sign anything.
- What happens when I add an entity?
- On Clarity, you can run up to three. On Command, ten are included and additional entities are $500 a month. On Counsel, entities are unlimited — acquire without a pricing conversation.
- Can I change plans?
- Upgrade any time; we'll prorate. Downgrade at renewal.
Ready to talk it through? Book a demo or return to pricing.