Finio is the AP, purchasing and expense platform built for multi-entity groups. Cut processing time by up to 80%, automate approvals and intercompany, and reconcile live to your ledger — at one predictable price per entity.
Built for multi-entity groups across the UK
The platform
Grouped the way a finance team actually works — payables, control, and the multi-entity close. Everything below is included: you pay per entity, not per feature.
Capture and code every supplier invoice and claim — then see exactly where each one sits, live.
Match what you ordered against what arrived and what you were billed — then route it for sign-off.
Cross-charges, statements and cost lines reconciled continuously — not in a spreadsheet in week two.
All nine run on the same line-item data extraction engine and post into the same live ledger.
Add-ons
Switch any of these on when you need them — same platform, same ledger, no new tool.
The Pain
Coding, approving and paying hundreds of supplier invoices a week — across five, twenty, fifty entities — burns your AP team out and buries mistakes in the noise.
Switching between Xero files, keying recharges by hand, spreadsheet reconciliations — close still takes fifteen days and no one trusts the numbers on day one.
The Intersection
Finio lives exactly where those two worlds meet — and nowhere else does.
Deep hospitality AP: invoice capture, ops/finance coding split, multi-site approvals.
Native intercompany: cross-charges posted both sides, month-end in hours not weeks.
Live Xero: no statement recon guesswork — Finio reads and writes to your live ledger.
How it works
Emails, uploads, supplier portals. AI codes by ops or finance chart — split, not shared.
Multi-tier, multi-entity approvals with mobile sign-off for GMs and FCs.
One entity pays, the others get charged their share — posted both sides in Xero, instantly.
Not a statement recon. Finio reads and writes to your live ledger — always in sync.
What's inside
Auto-post recharges into every entity's Xero. Rules by category, by property, by percentage.
Learn more →Finio reads your live Xero ledger and writes to it. No CSV imports, no month-end surprises.
Learn more →GMs code the operational line, finance codes the GL — one invoice, two lenses. No fights.
Learn more →Integrations
Two-way sync with the accounting platform you already use. No CSV imports, no exports, no month-end surprises.
See all integrations →Pricing
No credits. No overage. No per-invoice surprises. Group discount built in from entity three onwards.
★★★★★"I close the books for a multi-entity hospitality group myself. Finio exists because every tool I could buy solved one job — and none of them talked to each other."
Switching?
Never. Xero remains your source of truth. Finio reads and writes to your live ledger — no exports, no CSV imports.
One predictable price per entity. No per-invoice credits, no overage bills at the end of the month. Group discount kicks in from entity three.
Most groups are live within a week. We handle chart-of-accounts mapping and intercompany rules with your team — you don't have to figure it out alone.
Bank-grade encryption, UK-hosted, GDPR-compliant, SOC 2 in progress. DPA available on request — send it to your FD before the call.
Yes. Accountant seats are free and unlimited. One accountant, many groups — it's how the industry actually works.
Book a demo
Thirty minutes with a Finio finance specialist. We'll show intercompany, live-Xero and per-entity pricing on your actual entity list.