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FIKR MONEY · INVOICING TO MARGIN

Your complete financial operations
built for service businesses.

Invoicing, payments, subscriptions, budgeting, cash flow forecasting, and reporting — all in one system. Replace QuickBooks and five other tools.

// Think QuickBooks meets a real CFO dashboard — except your hours from FIKR Tracking auto-bill into invoices.

Join the Waiting List →→See how it works
Invoices
Auto-billed from time
Retainers
Auto-renewing
Margin
Live per engagement
Runway
Real-time
01 — REALITY

Your invoicing is a Tuesday-night
reconciliation ritual.

Hours in Harvest. Invoices in QuickBooks. Payments in Stripe. Retainer balance in a spreadsheet someone updates monthly. Margins per client — a number nobody can quote.

8h
per month the average agency owner reconciles timesheets to invoices manually.
€500+
monthly cost of QuickBooks + Stripe + spreadsheets + reminder tools doing what one connected system should do.
?
the answer to "are we profitable on this client?" at most agencies under €1M revenue. The data lives in 4 places.

The hours, the invoices, the payments, the retainers, the margin — one data layer, one operating ritual, one finance dashboard.

02 — INSIDE

Invoicing, cash flow, retainers —
one operating layer.

Hours tracked in FIKR Tracking auto-bill into invoices. Retainer renewals fire automatically. Cash flow updates with every payment. Live margin per engagement is finally a number, not a guess.

Invoice Engine

Hours from FIKR Tracking auto-create invoice line items. Recurring billing for retainers. Stripe payment links per invoice. Automated reminders.

Retainer Renewals

Set retainer terms once. Renewals fire on schedule with prior approval, rollover rules, and optional client portal access to their own balance.

Cash Flow & Runway

Real-time burn rate. Months of runway at current spend. Drill into top expense categories. Alert thresholds when runway dips below the safe line.

Scenario Modeling

Hire a senior consultant? Lose your biggest retainer? Take a 3-month founder sabbatical? Model the cash impact before deciding.
03 — WHAT YOU GET

Everything to operate
the financial side of the agency.

Eight capabilities that take "finance ops" from a Tuesday-night spreadsheet ritual to a daily live dashboard.

F01

Invoice Engine

AP + AR in one system. Auto-create invoices from tracked hours. Stripe payment links per invoice. Recurring billing, automated reminders, late fees.

F02

Payments

Stripe integration. Accept card, ACH, bank transfer. Auto-allocate payments to invoices. Recurring subscription billing for productized engagements.

F03

Retainer Management

Set monthly hour or fee allocations. Track burn. Roll over unused hours per your terms. Automated renewals with prior approval.

F04

Expenses & Bank Sync

Plaid integration. Auto-categorized transactions. Receipt capture. Multi-currency support. Vendor bill tracking.

F05

Budgets

Annual budgets by service line, team, or value stream. Three models — fixed, percentage-based, zero-based. Live actuals vs budget with variance alerts.

F06

Cash Flow & Runway

Real-time burn rate, runway in months, zero-cash-date projection. Trended across 3- and 6-month windows. Alerts when runway crosses thresholds.

F07

Scenario Modeling

Model hiring, churn, retainer changes, funding events, founder sabbaticals. See impact on cash, runway, and zero-cash-date before making the call.

F08

Free to Start

FREE TIER

Up to 10 invoices/month and basic cash flow tracking. Upgrade to Growth when invoice volume grows or you need retainer management.

04 — HOW IT WORKS

From "QuickBooks plus 4 spreadsheets"
to a live finance dashboard in 2 hours.

Connect your bank. Map your services to billing rates. Set retainer terms. The cash dashboard builds itself from the first transaction onwards.

01

Connect Your Bank

Plaid handshake. Transactions auto-import, auto-categorize. Cash position is live within 5 minutes.
02

Define Services & Rates

Per service line, per role. Optional discount tiers. Every tracked hour now knows its billable rate.
03

Set Retainer Terms

Hours / fee per cycle, rollover rules, auto-renewal logic. Renewals fire on schedule. No more "did we send the invoice?"
04

Open The Cash Dashboard

Runway, burn, retainer health, margin per engagement, top expense categories. The number every Sunday morning should start with.
05 — WHY FIKR

Not QuickBooks. Not Xero. Not "Stripe + Harvest + a CSV exported to Sheets".
Built for agencies.

Generic accounting tools assume product-based businesses. Agencies sell time and retainers — the data shape is different, the operating rituals are different.

/vs QuickBooks / Xero/FIKR Money
Built for tax filing, not operationsBuilt for daily finance operations
No retainer-renewal logicRetainer engine native
Hours import via CSV gymnasticsHours from FIKR Tracking auto-bill
"What's our runway?" — open 3 reportsRunway is the home screen
Scenario modeling needs a CFOBuilt-in, founder-operable
06 — FAQs

Questions? Answers.

What is FIKR Money?
A complete financial-operations platform for service businesses. Invoicing, payments, subscriptions, expenses, budgeting, financial reporting — replacing QuickBooks, Xero, and separate billing tools with one unified system.
Does Money replace QuickBooks?
Yes, for service businesses. Money handles everything you need — invoices (AP & AR), expenses, bank accounts, budgeting, cash flow forecasting, financial reporting. If you need inventory management or manufacturing, QuickBooks may still be needed.
How does invoice management work?
Both accounts receivable (customer invoices) and accounts payable (vendor bills) in one unified system. Create, send, track payments, set up recurring billing, automate reminders. Hours from FIKR Tracking auto-bill as line items.
Can I accept payments through Money?
Yes. Stripe integration. Payment links with invoices, credit cards, recurring subscriptions, ACH. Payments auto-allocate to invoices. All payment data syncs to financial reports.
How does retainer management work?
Set monthly hour or fee allocations per client. Track burn, manage rollover, automate renewals with prior approval. Optional branded client portal lets retainer clients see their own balance.
How is runway calculated?
Current cash balance divided by average monthly burn (3- and 6-month windows). You see runway on every dashboard and get alerts when it drops below thresholds you set.
Can I model different scenarios?
Yes. Project the impact of decisions before making them — hiring, retainer churn, revenue changes, funding events, founder sabbaticals. See impact on runway, burn rate, zero-cash-date.
Does it integrate with the rest of FIKR?
Yes. Hours from FIKR Tracking auto-bill into invoices. Clients sync with FIKR Hub. Engagement margin shows up in FIKR OS. One data layer, no Zapier.
07 — GET STARTED

Finance should be a daily dashboard,
not a monthly panic.

Live runway. Auto-billed invoices. Retainers that renew themselves. Margin per engagement that's an actual number. Free to start, card not required.

Join the Waiting List →
Free for up to 10 invoices/month. No credit card required.
08 — ONE MORE THING

You operationalized finance. Now productize the rest.

FIKR Money is one piece. The full platform runs your entire agency — strategy, sales, diagnostics, time, courses, partners — all connected.

M01 · service lines

FIKR OS

Strategy & Delivery

M02 · pipeline

FIKR Hub

CRM & Sales

M03 · diagnostics

FIKR Score

Branded Diagnostics

M04 · profitability

FIKR Tracking

Time & 4D Mix

M06 · capacity

FIKR People

HR & Capacity

M07 · publishing

FIKR Content

Sites, Blog, Podcast

M08 · curriculum

FIKR Academy

Courses & Certification

M09 · affiliates

FIKR Affiliate

Run Your Affiliate Program