For accountants
Connect Xero, QuickBooks, Sage, and 40+ UK banks. See live cash flow, runway, and outstanding invoices for every client — without logging into five different systems.
How it works
Link their Xero or QuickBooks and UK bank accounts in under 2 minutes. Fynmerge pulls historical data automatically — no manual imports.
Cash position, runway, unpaid invoices, and VAT liability are calculated instantly. Everything updates in real time as transactions come in.
Share a live client portal link or export a branded report. Flag cash shortfalls, flag slow payers, and submit MTD returns — all from one screen.
Built for practice
Replace the spreadsheet juggle with a single platform that keeps every client’s numbers current and your advice timely.
Switch between every client account from a single login. No separate passwords, no context switching. See each client's live cash position, runway, and outstanding invoices at a glance.
Connects directly to Xero, QuickBooks, Sage, FreeAgent, and Zoho Books. Transactions, invoices, and chart-of-accounts data stay in sync — no duplicate data entry, no CSV exports.
PSD2 Open Banking connections to Barclays, HSBC, Monzo, Starling, and 40+ UK banks. Transactions appear in real time — not the next morning, not after a manual export.
HMRC-recognised MTD bridging software built in. Prepare and submit VAT returns directly from Fynmerge without switching tools. Submission history and period logs kept automatically.
Automatic 30, 60, and 90-day cash flow projections built from real transaction history and recurring patterns. Show clients when they'll face shortfalls — before it's too late to act.
Every client gets a live runway card showing months of cash remaining at current burn. Give proactive advice — not reactive fire-fighting — with data clients can actually understand.
See every client's outstanding receivables and payables in one place. Stripe and GoCardless integrations surface payment status and reconciliation data without leaving Fynmerge.
Generate P&L, balance sheet, and cash flow statements ready to share — branded, clean, and exportable as PDF or CSV. No reformatting in Excel, no copy-paste into PowerPoint.
Integrations
No migration, no onboarding friction. Fynmerge connects to the software your clients already run their businesses on.
Two-way transaction and invoice sync
Real-time P&L and chart-of-accounts
Journals, bank recs, and VAT returns
Projects, expenses, and tax timelines
Full ledger and inventory sync
Live balances and transaction feed
Business and personal account feeds
Real-time pot and transaction data
Spaces, payees, and instant feed
Any FCA-authorised UK bank via PSD2
Revenue, payouts, and dispute tracking
Direct debit collection and reconciliation
Security & compliance
All bank connections use PSD2-compliant Open Banking — read-only access, no stored credentials, no screen scraping.
Data encrypted at rest with AES-256-GCM and in transit with TLS 1.3. Encryption keys rotated quarterly.
All client data stored exclusively on UK infrastructure — never transferred outside the United Kingdom.
Full data export or permanent deletion on request. Data processing agreements available for practices.
Certified Making Tax Digital bridging software. MTD submissions verified against HMRC production APIs.
Fynmerge never moves money. All accounting and banking integrations are read-only — no transaction risk.
Start your free trial — no credit card required. Add your first client in minutes and see their cash position update in real time.