01
Invoicing and sales
Create clear invoices and quotes, keep customer balances up to date, and follow every payment through to your books.
- Invoices and quotes
- Customer payment tracking
- Credit notes and returns
Accounting for the way your business works
Make the numbers clear. Keep the books in balance.
FinOS Cloud brings accounting, invoicing and inventory together for small businesses everywhere, and for the accountants who help them.
Your books stay in your local currency, set automatically from where you register. Payroll, NRS e-invoicing and live bank feeds are exclusive to Nigerian businesses.
Free plan available Built for clear, auditable records
Business overview
Illustrative preview · sample figures
Invoiced
$2,480,000
Sales recorded in your ledger
Awaiting payment
$620,000
Open customer balances
Recent activity
Know what changed and when.
Customer invoice recorded
Sales · receivable updated
Bank statement reconciled
CSV import · matching reviewed
Role-based access and organisation-level records
One connected workspace
The everyday tools behind a more confident close.
Record a sale, follow what is still owed, manage stock and keep your accounting connected. Access to advanced workflows depends on your plan and your team permissions.
02
Accounting you can follow
Keep transactions connected to a proper double-entry ledger, with the records and checks your accountant expects.
- Chart of accounts and journals
- Period controls and audit history
- Financial statements
03
Stock and purchasing
See what you have, what you have ordered, and how stock movements affect your costs.
- Items, warehouses and transfers
- Bills and purchase orders
- Stock planning and costing
04
Payroll for Nigerian teams
Prepare payroll records and statutory schedules for review, alongside the rest of your business accounts.
- Employee and pay-run records
- PAYE and pension schedules
- Review before you submit or pay
05
Useful reports, not guesswork
Understand your position with reports drawn from the transactions already in your ledger.
- Profit and loss and balance sheet
- Receivables and payables ageing
- Cash flow and customer statements
06
A workflow for manufacturers
Manufacturing is a dedicated plan with production workflows layered onto shared accounting and invoicing.
- Bills of materials and production orders
- Work in progress and production costing
- Production and stock traceability
Available now and in setup
Clear about what works today.
Use CSV statements for bank reconciliation today. NRS e-invoicing is included in every plan for Nigerian businesses and will be enabled after provider and organisation setup. Live bank feeds are still in development.
Available
Bank reconciliation
Import a bank statement by CSV and review matched transactions against your books.
Coming soon
Live bank feeds
Automatic bank connections will be announced when available and approved. Nigeria only for now.
Included · setup pending
NRS e-invoicing
Included in every FinOS Cloud plan for Nigerian organisations. Invoice submission will be available after the Duplo Gateway and each organisation’s NRS profile are configured.
Plans that match the work
Start with the essentials. Add capabilities as you grow.
Monthly prices in your currency: naira for Nigeria, cedis for Ghana, shillings for Kenya, and US dollars everywhere else.
Show prices in
Free
$0
forever
A clear starting point for a new or very small business.
- Core accounting
- Basic inventory with 1 warehouse
- Core financial reports: Trial Balance, General Ledger, Profit & Loss, Balance Sheet, Cash Flow, Tax, AR Aging and Sales by Item
- NRS e-invoicing for Nigerian organisations (setup required)
- Up to 20 sent invoices each month
- Up to 3 users
- Up to 25 customers
- Export customers and invoices as CSV
- Custom POS integrations require Business or above
Starter
$7
per month
For small businesses managing sales, basic stock and supplier bills.
- Core financial reports: Trial Balance, General Ledger, Profit & Loss, Balance Sheet, Cash Flow, Tax, AR Aging and Sales by Item
- AP Aging, customer and supplier statements, and Cash Forecast
- NRS e-invoicing for Nigerian organisations (setup required)
- Up to 200 sent invoices each month
- Up to 3 users
- Basic inventory with 1 warehouse and supplier bills
- Quotes, returns and credit notes
- Custom POS integrations require Business or above
Business
Most chosen$15
per month
Advanced accounting and day-to-day operations in one place.
- Core financial reports plus AP Aging, customer and supplier statements, and Cash Forecast
- Product Margins and Stock Planning
- NRS e-invoicing for Nigerian organisations (setup required)
- Unlimited sent invoices each month
- Full invoicing and customer management
- Up to 10 users
- Advanced stock and purchasing tools with up to 3 warehouses
- Payroll for Nigerian organisations
- Recurring invoices
- Custom POS integrations available; project scope and setup quoted separately
Manufacturing
$41
per month
Business capabilities plus production and traceability workflows.
- Everything in Business, with up to 10 warehouses
- WIP Aging and Manufacturing Performance reports
- NRS e-invoicing for Nigerian organisations (setup required)
- Unlimited sent invoices each month
- Up to 25 users
- BOMs and production orders
- WIP, costing and traceability
- Custom POS integrations available; project scope and setup quoted separately
These prices are fixed. Checkout is charged in naira until dollar payments are enabled, and the naira amount is shown on the Plans screen before you pay.
Need a tailored setup?
Custom plans and purpose-built integrations are scoped around your business.
Payroll is available to eligible organisations operating in Nigeria. NRS e-invoicing is included in every plan for Nigerian organisations; provider and organisation setup is required before submission. Live bank feeds are still coming soon.
Built for responsible work
Your records stay yours. Your team sees what its role allows.
FinOS Cloud supports organisation-level records, role-based access, audit history and data export. Review our privacy policy and terms before you get started.
We don’t claim certifications or regulatory approvals we haven’t earned. Contact us for current security and data-processing information.
Frequently asked
What are the monthly invoice allowances?
FinOS Cloud Free includes up to 20 sent invoices each month, Starter up to 200, and Business and Manufacturing have no monthly sent-invoice cap. FinOS Invoicing Mobile has a separate allowance: Free includes up to 20 sent invoices each month and Professional has no monthly cap. Drafts do not count, and Cloud and Mobile workspaces are separate.
Which plan do I need for a custom POS integration?
A custom POS integration with a FinOS Cloud workspace requires Business or Manufacturing. The POS build and setup are scoped and quoted separately. We confirm device, peripherals and payment-provider compatibility during discovery before agreeing to a build.
Who is FinOS Cloud for?
FinOS Cloud is built for small and growing businesses everywhere, and for the accountants who help them keep reliable books. Manufacturing teams can add production workflows on the Manufacturing plan.
Can I try it before paying?
Yes. The Free plan includes core accounting, up to 20 sent invoices and 25 customers each month, up to 3 users, and CSV export for customers and invoices. Draft invoices do not use a monthly invoice slot. You can review the paid plans before choosing an upgrade.
Are live bank feeds and NRS e-invoicing available now?
NRS e-invoicing is included in every FinOS Cloud plan for Nigerian businesses. Submission will be enabled after the Duplo Gateway configuration and organisation setup are complete. CSV bank statement import and reconciliation are available now; live bank feeds are still coming soon.
Does FinOS file tax returns or pay salaries for me?
No. FinOS helps prepare accounting and payroll records. Your organisation or adviser must review and submit statutory returns and authorise payments through its own approved channels.
Can I use FinOS Cloud outside Nigeria?
Yes. Businesses in every country can register. Each business is set up with the currency of its country, and its invoices and books stay in that currency.
Who handles e-invoicing for my business outside Nigeria?
FinOS Cloud does not submit e-invoices for businesses outside Nigeria. Those businesses are responsible for meeting their own country's e-invoicing requirements.
Who sets up tax outside Nigeria?
For businesses outside Nigeria, you set up your tax rates and returns yourself. FinOS Cloud does not provide country tax rules outside Nigeria.
Which plans include multi-currency?
Multi-currency is included from the Business plan, and on the Manufacturing plan. The Free and Starter plans use your local currency only.
Which currency will my books use?
Your books use the local currency of your registration country, set automatically. Bills and invoices in a foreign currency are converted at the official rate on their date, locked when the document is issued: the Central Bank of Nigeria for naira, the Bank of Ghana for cedis and the Central Bank of Kenya for shillings. Where a currency has no official rate, the payment is made in US dollars, or the document is blocked with a reason.
Are e-invoicing, live bank feeds and payroll available in every country?
No. E-invoicing (NRS), live bank feeds and payroll are currently available for Nigerian businesses only. We will tell you when they become available in other countries.
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