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India's billing intelligence platform · 7 autonomous AI agents · built by finance professionals

The billing platform
India SaaS CFOs
have been waiting for.

Agentic AI–powered SaaS billing and revenue intelligence — with native Quote to Cash, ASC 606, NLP invoicing, GST e-invoicing, TDS reconciliation, and ARR intelligence, all in one platform. Built by a revenue operations practitioner who has filed GSTR-1s, argued about ratchet clauses, and closed books under audit pressure. Not by engineers who've never closed a set of books.

0
GST treatment types
0
Manual re-entry
3
-path period close
14
-day free trial
AI Contract Extraction
Acme_Enterprise_MSA_FY2024.pdf — 14 fields
contract_value
$180,00096%
min_users
1,000 seats91%
ratchet_clause
Detected ✓88%
po_required
Yes95%
notice_period
90 days74% — review
⚠ ASC 606 — Period close conflict
Service from Apr 1st. Invoice May 10th. April books closed May 2nd. $15,000 revenue needs CFO decision.
Accuracy gain
+23%
after 5 corrections
Fields extracted
14/14
zero manual entry
ASC 606 / IFRS 15 Engine
India GST — 10 Types
US Sales Tax via Avalara
Self-Improving AI Extraction
3-Path Period Close
Ratchet Clause Detection
ARR / MRR / NRR Waterfall
FP&A & Board Reporting
ACH & US Payments
TDS + 26AS Reconciliation
AI CFO Daily Briefing
AES-256 Encryption · TLS 1.3
7 Autonomous AI Agents
Collections Agent
Period Close Agent
Revenue Anomaly Detection
Renewal Intelligence Agent
Customer Health Score 1–100
ASC 606 / IFRS 15 Engine
India GST — 10 Types
US Sales Tax via Avalara
Self-Improving AI Extraction
3-Path Period Close
Ratchet Clause Detection
ARR / MRR / NRR Waterfall
FP&A & Board Reporting
ACH & US Payments
TDS + 26AS Reconciliation
AI CFO Daily Briefing
AES-256 Encryption · TLS 1.3
7 Autonomous AI Agents
Collections Agent
Period Close Agent
Revenue Anomaly Detection
Renewal Intelligence Agent
Customer Health Score 1–100
The Fincelo Philosophy

Not built by engineers.
Not built by product managers.
Built by finance people. For finance teams.

Every feature in Fincelo was designed by CFOs and revenue managers who personally lived through PO-delayed invoices, ratchet clause disputes, ASC 606 edge cases, period close nightmares, and View A vs View B churn decisions. Whether you are closing books in Mumbai or managing US investor reporting from Bangalore — we built the exact platform we always wished existed. The complexity your finance team faces is the product we built.

From the founder I spent 8+ years as a SaaS Revenue Manager — doing revenue recognition, contract management, financial operations, and subscription billing at India SaaS companies. Every time I needed a platform that understood India's compliance reality and investor-grade ASC 606 and ARR metrics, I hit a wall. Chargebee handled billing. Spreadsheets handled the rest. Fincelo is what I was building in my head the entire time. — Shubham, Founder
🏦 Designed by CFOs & Revenue Managers
🇮🇳 India-native compliance built in
🗽 US GAAP & ASC 606 ready
🤖 7 autonomous AI agents
🧠 CFO Co-pilot — ask anything, get live answers
Built deep for India. Ready when you go global.

India-native compliance.
Global investor-ready metrics.

India SaaS companies don't stop growing at the border. When your first US customer signs, Fincelo handles ASC 606, Avalara sales tax, and ACH payments without switching platforms. No compromises for either market.

🇮🇳
Built for India SaaS
Every India-specific compliance scenario handled natively — not retrofitted. From GST treatment to TDS reconciliation to GSTR-1 auto-population. Your CA and Big 4 auditors will be happy.
10 GST treatment types — auto-applied from KYC
E-invoicing with IRN generation via IRP portal
TDS Section 194J tracking + 26AS reconciliation
GSTR-1 auto-populated — zero manual GST portal entry
Proforma → Tax Invoice on PO receipt (no cancel/recreate)
India pricing in INR — ₹12,000/mo Starter
🗽
Ready for your US expansion
When your India SaaS company wins its first US customer, Fincelo already handles ASC 606, Avalara sales tax, and ACH payments — without switching platforms or bringing in consultants. Your US investors will see clean GAAP metrics from day one.
ASC 606 / IFRS 15 — all 5 complex scenarios
US Sales Tax via Avalara — all 50 states, SaaS-specific rules
ACH payments via Stripe and GoCardless
1099-K / W-9 tracking for US vendor compliance
Multi-currency consolidation — USD, EUR, GBP, AUD
USD pricing — $150/mo Starter
The Fincelo Edge

The scenarios no other platform
handles out of the box

Real finance scenarios that force most CFOs into manual spreadsheets or workarounds. Every one of these is a situation your team has faced — or will. Fincelo handles each one natively. Click any card to see how.

ASC 606 & Revenue Recognition
ASC 606 · India
PO-delayed invoice — proforma to tax invoice
Invoice generated April 1st. PO arrives May 10th. Books closed May 2nd. What happens to April's revenue?
The April document is a Proforma — no invoice number, no GST, no sequence number. On PO receipt (May 10th), it converts in-place to a Tax Invoice with a May sequence number and May date. Revenue recognised from April 1st via CFO-approved period close (Path A/B/C). No cancel-and-recreate workflow. Invoice date and recognition date are always independent. Works for both India GST and US ASC 606 customers.
ASC 606
3-path period close with materiality engine
Revenue needs posting to a closed period. US GAAP and IFRS both require structured resolution. Most platforms have nothing.
Path A (<3% of period): catch-up in current period, auto-approved. Path B (3–10%): split entry, CFO approval required. Path C (>10%): reopen closed period, CFO + Controller dual approval. India: For Path C only, Fincelo checks whether the period being reopened has a filed GSTR-1. If filed, a mandatory amendment warning is raised and dual approval is required. Paths A and B are unaffected. US: GAAP exception log EX-YYYY-NNN generated automatically. Every decision immutably logged with name and timestamp.
Churn · ASC 606
View A vs View B — mid-year termination
Customer exits mid-contract. Recognise through year-end or stop at termination? This is a structured CFO decision — Fincelo is the only platform that surfaces it.
View A: unconditional right to payment — revenue recognised through original end date. View B: recognition stops at exit, credit note issued. AI scans contract for no-refund clause before presenting the recommendation. ARR decrements on actual termination date regardless of which view the CFO selects. Both views are correct per ASC 606 and IFRS 15 — the difference is the contract terms.
ASC 606 · Contract
MSA + Addendum — parent-child contract inheritance
Customer signs an MSA in January. Addendum in July says "all MSA terms incorporated." Most platforms treat these as two unrelated contracts.
Fincelo links the Addendum as a child of the MSA. "All MSA terms incorporated" triggers full clause inheritance — payment terms, notice periods, PO requirements, ratchet clauses, all inherited automatically. ASC 606 prospective modification treatment applied. Expansion ARR tracked separately from original contract ARR. NRR calculation reflects both. Full parent-child audit trail.
FX · ASC 830 / IAS 21
FX gain/loss — fully separate from revenue
$10,000 invoice at ₹90 in April. Payment at ₹95 in May. Most platforms mix the FX difference into revenue. That violates both ASC 830 and IAS 21.
Revenue is locked at invoice-date FX rate — never re-translated. Payment FX difference → Other Income (realised gain/loss). Period-end unrealised gain/loss computed separately on all outstanding foreign-currency AR. Two completely independent engines. Correct for both US GAAP (ASC 830) and IFRS (IAS 21). Board-ready FX impact report generated separately from the revenue report.
Contract · ASC 606
Renewal with signing gap — subscription never shows "Expired"
Contract ends March 31st. New contract signed April 14th. There is a 14-day gap. Most platforms show the subscription as "Expired" and break the revenue schedule.
If renewal intent is flagged, Fincelo holds the subscription in a Grace Period state — never "Expired." CFO is presented three gap billing options: (1) bill the gap retroactively, (2) waive the gap as goodwill, (3) start new contract from April 14th. ARR shown as "At Risk — Grace Period" until signed. Renewal timeline preserved. No manual workaround needed.
Contract Intelligence
Contract Intelligence
Ratchet clause in any wording — not just the word "ratchet"
Contracts say "minimum guarantee users" or "not fewer than 1,000 licenses." Most platforms only match the word "ratchet" — and miss 80% of real clauses.
Fincelo's AI scans every variation: minimum guarantee, committed to no less than X, floor quantity, base commitment, not fewer than X seats, minimum headcount. Extracts the exact floor number. Blocks any seat reduction below the floor and alerts the Account Manager. Works for India SaaS and US enterprise contracts in any language or formatting style.
Contract Intelligence
Expansion deal — Fincelo never auto-pro-rates
Customer adds 200 seats in month 7. Every platform auto-calculates a pro-rated charge. Your CFO never even sees it. That is not how enterprise billing works.
Fincelo presents the CFO with 3 options every time: (1) Pro-rated co-terminus — charge for remaining period, end dates align. (2) Fresh 12-month — new contract starts today, end dates diverge. (3) Extended co-terminus — extend the original contract end date. ASC 606 treatment shown for each option. CFO selects one. The choice is logged with name and timestamp. Fincelo never decides unilaterally.
Contract Intelligence
SLA breach escalation — revenue at risk shown on every alert
Contract unsigned for 3 days. Most platforms send one reminder email. No one knows what revenue is at risk or who is responsible.
Fincelo runs a structured SLA escalation chain: T+42h → Manager (email + in-app), T+66h → Senior Manager, T+90h → CFO. Every alert shows the contract value, customer name, and exact revenue at risk. Escalation chain is configurable per deal size. Full log of every alert sent and every action taken — exported on demand for audit.
India Compliance — The Geographic Moat
India GST 🇮🇳
GSTR-1 conflict guard — Path C only, precisely where it matters
Finance discovers a recognition error in January — books closed, GSTR-1 already filed. Most platforms let you post a correcting entry to the closed period with no warning. Your books now contradict your filed return. Your CA finds the mismatch at year-end.
The core principle: Fincelo always generates invoices on the current date — never backdated. So invoice date and GST liability are always current-period. No conflict there.

Where the conflict actually arises: When a finance team selects Path C (reopen a prior closed period to post a correcting entry), and that period's GSTR-1 has already been filed with the GST portal — the corrected books no longer match the filed return.

What Fincelo does: Paths A and B are always presented to the CFO with no GSTR-1 check — they post to the current open period and there is no conflict. Only when the CFO selects Path C does Fincelo check: "Has this period's GSTR-1 been filed?" If yes: a warning is raised — "January 2026 GSTR-1 was filed on Feb 11. Posting a correcting entry will create a mismatch. You may need to file a GSTR-1A amendment. Consult your tax advisor before proceeding." CFO + Controller dual approval is still required. The gstr1_resolution_note field becomes mandatory.

This check is India-only — no Western competitor files GSTR-1. Chargebee has no concept of this scenario. This is the India moat in one precisely-placed feature.
India GST 🇮🇳
TDS + GST on the same invoice — handled correctly
An India SaaS company invoices ₹1,00,000 for software services. The customer deducts 10% TDS (₹10,000). GST is still 18% on the full ₹1,00,000. Most platforms calculate GST on the net amount — that is wrong.
Fincelo calculates GST on the gross invoice value (₹1,00,000), not the TDS-net amount. Invoice: ₹1,00,000 + GST ₹18,000 = ₹1,18,000 total. Customer pays: ₹1,18,000 − ₹10,000 TDS = ₹1,08,000 net. TDS tracked under the customer's TAN (Section 194J). 26AS reconciliation run quarterly. CA-ready report generated. Correct per Indian tax law — not a workaround.
India GST 🇮🇳
10 GST treatment types — applied automatically from KYC
Your customer base includes Regular registered businesses, SEZ units, overseas exporters, unregistered buyers, and composition dealers. Each requires a different invoice format, GST rate, and GSTR-1 bucket. Most platforms handle 2 or 3.
Fincelo handles all 10 GST categories: Regular, Composition, Unregistered, Consumer, Overseas (LUT/bond), SEZ Unit, SEZ Developer, Deemed Export, Tax Deductor (TDS), and ISD. The correct treatment is auto-applied from KYC data — CGST+SGST vs IGST determined from place of supply, e-invoicing eligibility checked, GSTR-1 bucket assigned. Zero manual GST configuration per customer after KYC approval.
Billing & Collections
FP&A
ARR waterfall — new, expansion, contraction, churn tracked separately
CFOs and investors need ARR broken down by movement type. Most billing tools just show a total ARR number. Fincelo tracks the full waterfall automatically.
Fincelo tracks four independent ARR buckets: New ARR (new logos), Expansion ARR (upsells and upgrades — never grouped with new), Contraction ARR (seat reductions and downgrades — tracked separately from churn), Churned ARR (terminations — decrements on actual exit date). NRR = (Beginning ARR + Expansion − Contraction − Churn) ÷ Beginning ARR. Board-ready waterfall chart in one click. Investor-grade metrics from day one.
Payment Intelligence
Payment behaviour score drives every collections decision
Most platforms send the same dunning email on Day 7 regardless of who the customer is. A Platinum-tier customer who's 3 days late gets the same email as a habitually bad payer.
Every customer has a Payment Score 0–100 across 5 tiers: Platinum (80+), Good (60–79), Average (40–59), Poor (20–39), Bad (<20). Score is based on payment history, days-to-pay trend, broken promises, and dispute history. Score determines dunning template (Standard/Enterprise/Aggressive), credit terms, suspension trigger date, and when the Account Manager is alerted. Platinum customers never receive a suspension notice. Bad-tier customers are escalated at Day 15 instead of Day 30.
Billing
Usage metering with cap, rollover, and overage — on one invoice
Customer has a 1M API call cap with rollover. They used 900K last month. This month they used 1.2M. How much do you bill? Most platforms either bill wrong or require manual calculation.
Fincelo handles four metering models: Capped (hard stop at limit), PAYG (every call billed), Tiered (price per unit changes at thresholds), Rollover (unused credits carry forward). In this example: 100K rolled over → effective cap is 1.1M → overage is 100K calls. Billed on a single consolidated invoice: base subscription + rollover credit applied + overage amount. Customer gets a full usage breakdown on the invoice. Real-time balance visible in the customer portal throughout the month.
Platform

7 modules. 7 autonomous agents.
One platform that runs your revenue ops.

The modules handle your billing, compliance, and reporting. The agents run the workflows — autonomously, with CFO oversight on every material decision.

Contract Intelligence

AI that understands every contract nuance

From CRM Closed Won to activated contract — self-improving AI extraction, e-signature, ratchet clause detection, SLA escalation, and a full audit trail. Works for any contract in any language.

🤖
Self-improving AI extractionCorrections become few-shot examples. Accuracy improves with every contract processed.
⚡
SLA escalation chainT+42h Manager → T+66h Senior Manager → T+90h CFO. Revenue at risk shown on every alert.
🔍
Ratchet clause — any wordingDetects minimum guarantee, floor quantity, committed headcount. Blocks reduction below floor.
✅
Value-based approval routingL1 any amount · L2 above threshold · L3/CFO above ₹20L / $25K. Sequential or parallel.
AI Extraction — Acme Enterprise MSA14 fields
contract_value$180,00096%
min_headcount1,000 users91%
ratchet_clauseDetected ✓88%
notice_period90 days74% — review
po_requiredYes95%
Accuracy gain
+23%
5 corrections
Zero manual entry
14/14
fields extracted
ASC 606 Engine

Every ASC 606 scenario handled — US GAAP and IFRS 15

Five complex scenarios that every SaaS company faces — but most billing platforms hand back to a spreadsheet. Multi-milestone POs, backdated contracts, period close conflicts, FX treatment, churn decisions. All in Fincelo.

📋
5 ASC 606 scenariosMulti-milestone POs · backdated contracts · late PO renewals · manual dates · period close conflicts.
🔐
3-path period closePath A (immaterial) · Path B (split) · Path C (reopen). Materiality engine decides the path.
💱
FX treatment — ASC 830 / IAS 21Revenue locked at invoice-date rate. FX gain/loss to Other Income. Never mixed with revenue.
↩️
View A / View B churnAI scans for no-refund clause. CFO decides. ARR and revenue recognition tracked independently.
Period Close — ASC 606 decisionCFO action
periodApril 2024 — closed
amount_impacted$15,000
as_pct_of_period2.8% — below 3%
recommendedPath A — catch-up
gstr1_statusNot filed — no conflict
Billing & Subscription

Every billing model your sales team will ever sell

Monthly, quarterly, annual, multi-year, usage-based, milestone, retainer, NLP — Fincelo handles every billing model without custom engineering work. And when your sales team sells something complex, NLP invoicing handles it in seconds.

💬
NLP Invoice Creation"Invoice Acme for Q2 SaaS $45K" — customer identified, amount parsed, tax applied, invoice ready.
⚡
4 usage metering modelsCapped · Pay-as-you-go · Tiered · Rollover. Real-time balance shown to customers in portal.
📊
Multi-year with ratchet detectionYear-by-year pricing extracted from contract. Auto-step-up on anniversary. Floor protection.
💰
Quote to CashProduct catalog → quote → approval → contract → invoice. Zero re-entry across the pipeline.
NLP Invoice — just typed
You typed:
"Invoice TechFlow for Q2 SaaS subscription $45,000, quarterly billing"
customerTechFlow Inc.
amount$45,000
periodApr–Jun 2024
sales_tax (CA)$0 — SaaS exempt
total$45,000
Tax & Compliance

India and US tax compliance — both, natively

Fincelo does not choose between Indian compliance and US compliance. Both are built in with the same depth. Your India team gets GST and TDS. Your US team gets Avalara and 1099-K. One platform, both markets.

🇮🇳
India: 10 GST types + e-invoicingCGST/SGST vs IGST auto-determined. IRN generated via IRP. GSTR-1 auto-populated. Zero manual entry.
🗽
USA: Avalara sales tax — all 50 statesEconomic nexus tracking. SaaS-specific exemptions (WA, OR, MT exempt). Returns filing support.
📄
India: TDS + 26AS reconciliationCustomer TAN stored. Section 194J tracked. Quarterly mismatch alerts. CA-ready report.
🏦
USA: 1099-K / W-9 complianceEIN, TAN collected at onboarding. IRS threshold tracking. Annual 1099 preparation report.
Tax engine — dual market
India customer
acme_corp (MH→MH)CGST 9% + SGST 9%
techflow (KA→MH)IGST 18%
global_corp (USA)0% — LUT export
USA customer
techflow_us (CA)$0 — SaaS exempt
dataplus (NY)$405 — 9% sales tax
skybase (TX)$0 — SaaS exempt
Payment Intelligence

AI payment score drives your entire collections strategy

Every customer gets a payment score (0–100) based on their full payment history, broken promises, and trend direction. The score determines which dunning template fires, what credit terms to offer, and when to escalate to the CFO.

🎯
Score 0–100, 5 tiersPlatinum · Good · Average · Poor · Bad. Trend: improving/stable/worsening based on last 3 vs prior 3 invoices.
📈
10 dunning action typesEmail · WhatsApp · SMS · IVR · suspend · block invoices · late fee · legal notice · escalation · AM alert.
🏢
Enterprise protectionEnterprise template never suspends. Escalates to "block new invoices" at Day 60 instead. SMB suspends at Day 30.
🤝
Promise to PayDunning pauses on valid promise. Auto-restarts with escalated intensity if promise broken.
Payment Intelligence scores
Acme Corp
Always pays early
94
Platinum
TechFlow Inc
Avg 8 days late
68
Good
DataSync Inc
Score dropping ↓
41
Average
CloudBase PVT
2 broken promises
18
Bad
FP&A

Board-ready revenue analytics. One click.

ARR waterfall, MRR/NRR trends, cohort retention, revenue forecasting, and scenario modeling — all automatically derived from your billing data. The board report your investors expect, generated in seconds.

📉
ARR waterfall — 4 bucketsNew · Expansion · Contraction · Churned. NRR calculated automatically. Tracks separately, always accurate.
🔭
12-month revenue forecastBased on contracted ARR, renewal probability, and pipeline. Scenario modeling for expansion and churn assumptions.
📊
Cohort retention analysisRevenue retention by contract cohort. Identify which customer segments retain best. Investor-ready chart format.
📑
One-click board reportSaaS metrics snapshot: ARR, MRR, NRR, CAC, LTV, churn rate, expansion rate — formatted for board and investor decks.
ARR Waterfall — Q2 2024Board view
beginning_arr$1,980,000
new_arr+$240,000
expansion_arr+$85,000
contraction_arr-$32,000
churned_arr-$48,000
ending_arr$2,225,000
nrr107.2%
AI CFO Assistance

Your CFO's AI partner — from morning briefing to period close

Fincelo's AI CFO assistant starts your day with a personalised briefing of everything that needs your attention — overdue invoices, pending approvals, renewal risks, and revenue anomalies. Then stays on call for every decision through the day.

🌅
Daily CFO briefingEvery morning: overdue AR, pending approvals, renewals due, collection forecast, anomalies — personalized to your portfolio.
🔐
Period close decisionsPath A/B/C analysis with materiality, GSTR-1 filed-return check on Path C selection, and full recommendation. CFO decides in one click.
📉
Churn & recognition decisionsView A vs View B analysis. AI scans contract for no-refund clause. CFO approves. Logged with timestamp.
🔔
Exception managementEvery anomaly — unexpected payment, FX spike, unusual churn — surfaces to CFO with context and recommended action.
Agentic AI — Autonomous Finance Operations

Your platform handles the work.
The agents handle the thinking.

Fincelo's 7 platform modules give your finance team the tools. The 7 AI agents sit on top and act autonomously — running collections workflows, monitoring compliance, detecting anomalies, and briefing your CFO every morning. They learn from every outcome and get smarter every month, compounding into a moat no competitor can replicate.

7 Platform modules · Always included
Tools your finance team operates
Billing, ASC 606 Engine, Tax & Compliance, Contract Intelligence, Payment Intelligence, FP&A, and AI CFO — powerful, deeply India-native software your team uses every day. Included in every plan.
→Your team triggers the actions
→CFO approves every material decision
→Full audit trail on every action
7 AI Agents · Growth add-on · Enterprise included
Autonomous intelligence that acts for you
The 7 AI agents sit on top of the platform and run autonomously within CFO-defined guardrails. They learn from every outcome — creating a compounding moat that grows every month you stay on Fincelo.
→Agents trigger actions autonomously
→Observe · Approval · Auto modes per action
→Learn and improve with every billing cycle
💰
Collections Agent

Runs your entire AR collections workflow autonomously — dunning emails, WhatsApp sequences, ACH retries, and billing blocks — based on each customer's live payment score. No manual triggers needed.

→Predicts the exact day each customer will pay
→Learns which channel converts best per customer
→Agent outcome learning — improves every cycle
→India: WhatsApp + Email · International: Slack + ACH retry
Observe · Approval · Auto  ·  1 credit/run
🛡️
Compliance Guardian

Monitors your entire compliance posture 24/7 across India and international markets. Never misses a filing deadline. Alerts before issues become penalties.

→India: GSTR-1, TDS, IRN deadlines · UK VAT/MTD · US 1099/W-9
→Monitors customer GSTIN status weekly — alerts before invoicing a suspended GSTIN India 🔒
→MCA portal: director changes, struck-off flags → churn signal India 🔒
→Auto-packs audit evidence folders before your CA requests them
Observe · Approval · Auto  ·  1 credit/run
🧾
Smart Billing Agent

Auto-generates invoices, IRNs, and proforma-to-tax conversions on schedule. Locks FX rates at invoice date. No billing cycle ever slips — zero manual triggers.

→Signals optimal invoicing timing based on FX rate movements
→Detects revenue leakage — missed billings, undercharged seats
→Proforma → Tax Invoice conversion on PO receipt, in-place
→FX rate locked at invoice date — IAS 21 / ASC 830
Observe · Approval · Auto  ·  1 credit/run
🔐
Period Close Agent

Manages your entire month-end close autonomously — Cut-off testing, materiality analysis (Path A/B/C), trial balance, and hard close lock. For Path C, runs a GSTR-1 filed-return check — if the prior period's return is already filed, raises a mandatory amendment warning before dual approval. Surfaces only decisions that need the CFO.

→Materiality engine: Path A (auto) · Path B (CFO) · Path C (dual approval)
→Predicts close issues 5 days before month-end using anomaly signals
→Fully autonomous close for Path A immaterial items
→Hard close lock — CFO + Controller dual approval to reopen
Observe · Approval · Auto  ·  2 credits/run
📊
Revenue Anomaly Agent

Runs Z-score statistical analysis across your revenue portfolio every cycle. Surfaces anomalies before your auditor does. Predicts churn 60 days out from behavioural signals.

→Rolling Z-score baseline that improves with every cycle
→Duplicate invoice detection · GST mismatches · FX spikes
→Customer concentration risk — flags >20% ARR in one customer
→Predictive churn from behavioural signals — 60-day early warning
Observe · Approval · Auto  ·  2 credits/run
🔄
Renewal Agent

Tracks every contract renewal with 180-day visibility. Scores renewal health 1–100 and fires alerts at 180/120/60/30/14/7 days. Surfaces upsell signals before the renewal conversation.

→Renewal health composite score with ARR probability bands (P10/P50/P90)
→Auto-renewal clause and price escalation detection
→Autonomously drafts renewal proposal within CFO-set price parameters
→Win-back trigger on non-renewal — ARR shown as at-risk
Observe · Approval · Auto  ·  1 credit/run
🧬
Customer Intelligence Agent

Scores every customer across 5 dimensions and generates a composite health score 1–100. Triggers customer success playbooks automatically. Detects churn risk, expansion signals, and competitor interest before they surface in your pipeline.

→ICP engine — identifies which profiles retain and expand best
→CLV scoring — Customer Lifetime Value projected forward
→Decision-maker departure alerts from external signals
→Competitor signal detection — flags customers evaluating alternatives
→GSTIN change monitoring — early churn signal for India customers India 🔒
→NPS survey + reference pipeline automation
Payment 20%
Score tier + trend
Usage 25%
Adoption + drops
Relationship 20%
Support + depth
Expansion 15%
Upsell + CLV
Risk 20% → Composite Score 1–100
Churn signals · competitor intel · GSTIN changes · layoff signals
Customer Health — Live Scores
Acme Corp
Usage ↑ · Expansion signal
87
Advocate candidate
TechFlow Inc
Usage drop 23% · Late payments
52
At risk — intervene
DataSync PVT
2 broken promises · Low usage
24
Critical — playbook on
CloudBase
Layoff signal · Monitor
63
Watch — external signal
Observe · Approval · Auto  ·  2 credits/run
🧠
CFO Co-pilot
The Crown Jewel

Starts your day with a personalised 8am briefing. Answers any revenue question in plain language against live data — no SQL, no dashboards. Runs what-if scenarios. Generates P10/P50/P90 ARR probability bands. Assembles board reports on demand.

→Revenue quality score — flags revenue at risk before it moves
→ARR target probability — P10/P50/P90 with confidence bands
→Cash runway & burn intelligence — real treasury position
→Industry benchmarking — anonymised India SaaS cohort comparison
→Board report auto-generation + investor data room updates
→Deal desk automation + voice command → agent action
3 credits/query  ·  Daily 8am briefing included  ·  Observe · Approval · Auto
A
Ask Fincelo ● Live
8:04 AM · Jun 14
You asked
"What is our probability of hitting ₹2Cr ARR by December?"
ARIA — LIVE DATA
Current ARR: ₹1.42Cr. Gap: ₹58L.

P90: ₹2.08Cr — 3 pipeline deals close on time.
P50: ₹1.89Cr — current trajectory.
P10: ₹1.71Cr — TechFlow churns + 1 renewal slips.
Generate board report
Show pipeline deals
Where Fincelo is heading
34 capabilities. 5 levels. A compounding moat.
Every level builds on the last. Level 1 teaches the agents your patterns. Level 2 connects them to the world. Level 3 lets them act. Level 4 lets them predict. Level 5 closes the loop.
01
Smarter
Agents learn your patterns — 8 capabilities
Revenue quality score, payment date prediction, outcome learning, ICP engine, revenue leakage detection, CLV scoring, Z-score rolling baseline, renewal health composite.
"After 6 months, your agents know your customers better than any new tool could."
02
External
Agents see the world — 5 capabilities India moat 🔒
GSTIN + MCA + MSME Samadhaan monitoring, decision-maker departure alerts, regulatory change detection, FX hedging signals, competitor signal detection.
"Chargebee will never monitor the MCA portal. Fincelo does. That's a capability no migration can replicate."
03
Act
Agents act within guardrails — 8 capabilities
Autonomous deal parameters, document drafting, audit evidence packing, voice command → agent action, conflict prevention, customer success playbooks, deal desk automation, NPS + reference pipeline.
"You stop being a bottleneck for routine decisions without losing control of important ones."
04
Predict
Agents predict outcomes — 7 capabilities
ARR probability (P10/P50/P90), predictive period close, cash runway & burn intelligence, pricing intelligence engine, revenue forecast with confidence bands, multi-entity treasury view, predictive churn.
"Walk into the board meeting knowing the probability of hitting the number — not just hoping."
05
Autonomous
Agents run finance end-to-end — 6 capabilities
Multi-agent debate before high-stakes decisions, India SaaS benchmarking network, fully autonomous period close, self-healing revenue operations, board report auto-generation, investor data room updates.
"Month-end close becomes a notification, not a process."
⚙️ Multi-agent orchestration
All 7 agents coordinate through a central orchestration layer. Conflicts resolved automatically. No customer receives more than the configured communications per week — enforced across all agents simultaneously. Every action logged in the AI Center.
📈 The compounding switching cost
After 12 months on Fincelo, your agents have learned your customers' payment patterns, your team's decision tendencies, and your revenue seasonality. That institutional knowledge is not exportable. Every month, switching costs more and staying delivers more.
Getting Started

From sign-up to live
in under 24 hours

No implementation consultants. No 6-month onboarding. A clean setup wizard and you are billing through Fincelo.

01
🗓️
Book a demo
30 minutes. We show Fincelo handling your exact billing scenarios.
02
📧
Workspace provisioned
Admin credentials and workspace URL delivered within minutes of signup.
03
⚙️
Configure & connect
Connect your CRM, configure compliance settings. Guided wizard, under 1 hour.
04
🚀
Go live
Invite your team, onboard first customer via KYC magic link, start billing.

How your team accesses Fincelo

Fincelo is fully cloud-hosted at app.fincelo.app — any browser, any device. No installation, no VPN. Your finance team, your customers, and your auditors can all access the right views with the right permissions.

1
Admin receives workspace credentialsEmail with workspace URL, login link, and setup guide
2
Invite finance team with role-based accessCFO · Finance Manager · AR Team · Read-only auditor
3
SSO optionalGoogle Workspace or Microsoft Azure AD — existing credentials
4
Customers onboarded via KYC magic linkSecure one-time link — no Fincelo account needed for customers
Integrations

Fincelo connects to your entire
revenue stack — out of the box.

No custom engineering. No expensive implementation. Connect your CRM, payment gateway, accounting software, and communication tools in minutes — all wired automatically on KYC approval.

CRM & Sales
☁️
Salesforce
Closed Won → contract auto-activate
🔶
HubSpot
Deal stage sync + revenue attribution
📊
Zoho CRM
India-native CRM sync + GST data
📋
Freshsales
Pipeline to invoice, zero re-entry
Payments & Banking
💳
Razorpay
India payments · UPI · subscriptions
India #1
⚡
Stripe
US/global · ACH · card · webhooks
🏦
GoCardless
Direct debit · UK · EU · AU
🏛️
Bank wire / NEFT
Manual payment matching + reconciliation
Accounting & Tax
📒
Tally Prime
India GL sync · journal entries
India
📗
Zoho Books
India + global accounting sync
💙
QuickBooks
US accounting + P&L sync
🌿
Xero
Global accounts + bank feeds
India Government Portals
🇮🇳
GST Portal (IRP/NIC)
IRN e-invoice · GSTR-1 auto-push
📄
TRACES (26AS)
TDS reconciliation · Form 16A
🏛️
Cleartax / GSTN
Alternative IRP for IRN generation
🏢
MCA21 / ROC
Company verification + CIN lookup
Communication & Alerts
💬
WhatsApp Business
Dunning · payment reminders · India
Agents
📢
Slack
CFO alerts · agent actions · approvals
Agents
📧
Email (Resend)
Invoices · dunning · CFO briefing
📱
SMS / IVR
Collections dunning · payment reminders
E-Signature & Tax Engine
✍️
DocuSign
Contract e-sign · approval workflows
📝
Adobe Sign
Enterprise contract signing
🖊️
Digio
India e-sign · Aadhaar-based
India
🧮
Avalara
US sales tax · 50 states · SaaS rules
KYC approval → 11 integrations configured simultaneously
When a customer completes KYC, Fincelo automatically wires their GST treatment, TDS tracking, dunning email, payment gateway, SSO, e-signature preference, and CRM link — all in one approval action. Zero re-entry. Zero manual configuration.
11
auto-connections
Design Partner Programme

3 spots available.
Co-build Fincelo with us.

We are looking for India SaaS finance leaders who want to shape the platform — not just use it. Design partners get early access, lifetime plan pricing on whichever plan they choose, and their exact use cases built into the product.

What you get
Lifetime pricing — whatever plan you choose, locked forever
Choose Starter or Growth. Whatever plan you sign on — that price is yours forever. Regardless of how the product evolves, how many features we add, or how your ARR grows.
What you get
Direct product input — your use cases built first
Monthly calls with the founder. Your exact billing scenarios, edge cases, and compliance pain points become product priorities.
What you get
White-glove onboarding and dedicated support
Direct Slack channel with the founder. Priority bug fixes. Your data migrated and configured — we do the work.
Who we are looking for
India SaaS companies between ₹2Cr – ₹30Cr ARR with a dedicated finance head or CFO. You are dealing with GST compliance pain, manual ARR tracking, or preparing for your first institutional raise. You want a billing platform that understands India — and you are willing to spend 30 minutes a month sharing what is broken.
How the lifetime lock works: You choose your plan at signing — Starter (₹12,000/mo) or Growth (₹38,000/mo, all 7 AI agents included). That price is locked permanently. As Fincelo adds capabilities and prices increase for new customers, your rate never changes.
✓ India SaaS company
✓ Finance head or CFO in-house
✓ ₹2Cr – ₹30Cr ARR
✓ 30 min/month to co-build
3
spots remaining
Security & Compliance

Built security-first.
Your data. Your control.

Security is not a feature we added — it is how Fincelo is architected. Workspace isolation, encrypted storage, and complete audit trails on every financial decision. SOC 2 Type II certification is on our roadmap as we grow.

🔒 AES-256 Encryption
🔐 TLS 1.3 in Transit
🏢 Workspace Isolation
📝 Full Audit Trails
🔑 MFA Enforced
🛡️ SOC 2 — In Progress
🏢
Workspace isolation

Every customer's data lives in a completely isolated database schema. Row-level security at the database layer. No shared tables between customers.

🔑
Authentication & access

MFA enforced for all users. SSO via Google Workspace / Azure AD. Role-based permissions with field-level access controls. Sessions expire on inactivity.

🔒
Encryption everywhere

AES-256 at rest. TLS 1.3 in transit. PAN, GSTIN, EIN, bank details encrypted with separate key management. Keys rotated quarterly.

🌐
API security

All API calls signed with HMAC. Rate limiting enforced. DDoS protection at edge. Webhook signatures verified on every payload.

📝
Complete audit trails

Every financial decision logged with user, timestamp, IP, and reason. Immutable log. Exported on demand for auditors. Retained 7 years.

🏗️
Infrastructure

Hosted on AWS ap-south-1 (India) and us-east-1 (USA). Automated backups every 4 hours. Point-in-time recovery. Infrastructure chosen for enterprise-grade reliability as we scale toward SOC 2 certification.

🛡️
Your financial data never leaves your workspace
Fincelo uses the Claude API for AI features. Per Anthropic's API data policy, your prompts are never used to train AI models. Contract data, customer data, and financial records are processed in-memory for AI extraction and immediately discarded. We never store, share, or monetize your data.
On our security roadmap: SOC 2 Type II audit · ISO 27001 · India DPDPA compliance · EU GDPR alignment. We will display these certifications the moment they are formally awarded — not before.
Comparison

Zoho Billing + Zoho Books combined = ₹5,798/mo.
Fincelo Growth = ₹30,000/mo. Here's why.

Zoho Billing + Zoho Books is what most India SaaS CFOs use today. Together they still give you no ASC 606, no ARR waterfall, no AI agents, no contract intelligence, and no intercompany eliminations. Chargebee gives you none of the India compliance depth — at ₹50,316/mo. Fincelo delivers all of it in one platform.

FeatureFinceloZoho BillingChargebeeMaxioZuora
Pricing (India)
Entry price for India SaaS₹12,000/mo₹3,299/mo (basic only)₹50,316/mo ($599)$699+/mo$1,500+/mo
Revenue-based overage feesNone ever0.2% above ₹2.5Cr0.75% above $100K MRRYesYes
India Compliance — the geographic moat
India GST — all 10 treatment types✓✓✗✗✗
IRN e-invoicing via IRP portal✓✓✗✗✗
TDS + 26AS reconciliation✓✗✗✗✗
GSTR-1 filed-return check on Path C reopen✓✗✗✗✗
Proforma → Tax Invoice (PO-delayed)✓✗✗✗✗
Multi-GSTIN (branches across states)✓ From GrowthAdd-on cost✗✗✗
ASC 606 & Revenue Recognition
ASC 606 — all 5 scenarios✓✗Partial✓✓
3-path period close (materiality engine)✓✗✗ManualManual
View A / View B churn decision✓✗✗ManualManual
FX gain/loss — separate from revenue✓✗PartialPartial✓
Multi-entity & Consolidation
Multi-entity support✓ From Growth✗Enterprise onlyEnterprise only✓
Intercompany eliminations✓ From Growth✗Enterprise only✗Enterprise only
Consolidated ARR waterfall✓ From Growth✗✗✗Enterprise only
Contract Intelligence
AI contract extraction (self-improving)✓✗✗✗✗
Ratchet clause detection (any wording)✓✗✗✗✗
AI extractions per year25 Starter · 300 GrowthNoneNoneNoneNone
Agentic AI
Autonomous Collections Agent✓✗✗✗✗
Period Close Agent (auto-path A/B/C)✓✗✗✗✗
Revenue Anomaly + Customer Intelligence✓✗✗✗✗
CFO Co-pilot (NL queries + what-if)✓✗✗✗✗
FP&A
ARR waterfall (all 4 buckets)✓✗Partial✓✓
NRR computed in real time✓✗Partial✓✓
90-day cash flow forecast✓✗✗✗Partial
Board-ready one-click reports✓✗Partial✓✓
Revenue Operations — Expansion · Contraction · Churn · Renewal
Expansion deal — 3 options, never auto-pro-rates✓✗✗✗✗
Contraction ARR — separate bucket, ratchet protection✓✗ManualManualManual
Churn View A / View B — CFO decision, AI-guided✓✗✗ManualManual
Renewal pipeline — 180-day, health score, P10/P50/P90✓✗BasicBasicBasic
NRR — real-time from all 4 ARR buckets✓✗Partial✓✓
The Zoho reality: Most India SaaS companies today run Zoho Billing (₹3,299–6,719/mo) + Zoho Books (₹1,249–2,499/mo) side by side — paying ₹4,548–9,218/mo for two tools that together still don't give them ASC 606, ARR waterfall, AI contract extraction, intercompany eliminations, or a single CFO dashboard. Fincelo Growth at ₹30,000/mo replaces both, adds a decade of finance intelligence, and pays for itself in the first month of CA time saved.
Pricing

Transparent pricing.
No revenue percentage. No surprises.

Every plan is a flat monthly fee — no percentage of your revenue, no overage surprises, no hidden charges. India GST compliance, TDS tracking, and e-invoicing are in every plan from day one.

🎁 All plans include a 14-day free trial — no credit card required
14-day free trial
Starter
₹12,000
per month · billed annually
 
Early-stage India SaaS up to ₹1Cr ARR. Single entity, single GSTIN.
Plan limits
Active customers30
AI contract extractions/year25
Invoices/year500
Team users3
GSTINs1
Entities1 (India only)
Billing & Compliance
Subscription billing — monthly, quarterly, annual
India GST — all 10 treatment types
IRN e-invoicing via IRP portal
TDS Section 194J tracking
KYC onboarding with 11 auto-connections
Proforma → Tax Invoice on PO receipt
Basic AR aging & dunning
Contract & FP&A ▾
Contract management (25 AI extractions/yr)
Basic FP&A dashboard — ARR, MRR
Payment score & basic dunning
Support ▾
Email support — 48h SLA
🤖 AI Agents not included — available on Growth plan
Most popular
14-day free trial
Growth
₹38,000
per month · billed annually
 
🤖 All 7 AI Agents — included
7 Agents
1,200 agent actions/mo · Collections, Compliance, Billing, Period Close, Anomaly, Renewal, Customer Intel · Overage ₹6/action
Series A/B India SaaS. Multi-entity, multi-GSTIN, full ASC 606 — the complete CFO platform.
Plan limits
Active customersUnlimited
Active contracts managedUnlimited
AI contract extractions/year300 (+₹50/extra)
Invoices/year5,000 (+₹2/extra)
Team users10 (+₹500/user/mo · max 15)
GSTINs2 included (+₹500/GSTIN/mo · max 5)
India entities1
International entities1 included (+₹2,000/entity/mo · max 3)
Growth add-ons (optional)
👤 Extra team users ₹500 /user/mo · max 5 extra
🏢 Extra GSTINs ₹500 /GSTIN/mo · max 3 extra
🌏 Extra intl. entities ₹2,000 /entity/mo · max 2 extra
Need more than 15 users, 5 GSTINs, or 3 international entities? → Enterprise plan
Everything in Starter, plus:
Advanced Billing ▾
Multi-year contracts with ratchet detection
Usage metering — Capped, PAYG, Tiered, Rollover
Advance billing — 15/30/45/60/90 days
Quote to Cash pipeline
NLP invoice creation
India Compliance (Full Depth) ▾
2 GSTINs (add up to 3 more · ₹500/GSTIN/mo) — multi-state branch coverage
26AS TDS reconciliation — CA-ready report
GSTR-1 auto-population — zero manual entry
GSTR-1 filed-return check — Path C only, amendment warning + dual approval
US Market ▾
US Sales Tax via Avalara — all 50 states
ACH via Stripe and GoCardless
1099-K / W-9 tracking
Contract Intelligence ▾
AI extraction — 300 uploads/year, self-improving
Ratchet clause detection in any wording
MSA + Addendum parent-child inheritance
SLA breach escalation — T+42h/66h/90h chain
E-signature — DocuSign, Adobe Sign, Digio
ASC 606 Engine ▾
All 5 ASC 606 scenarios
3-path period close with materiality engine
View A / View B churn — CFO decision + log
FX treatment — IAS 21 / ASC 830 compliant
Multi-entity & Consolidation ▾
1 India entity + 1 international entity
Intercompany eliminations — fully automated
Intercompany FX elimination
Consolidated P&L + ARR waterfall
Pre-close intercompany reconciliation check
Elimination schedule — CA and auditor ready
FP&A & Reporting ▾
ARR / MRR / NRR waterfall — all 4 buckets
Revenue forecasting + scenario modelling
Cohort retention analysis
Board-ready one-click reports
90-day cash flow forecast
Payment Intelligence ▾
Payment score 0–100 (5 tiers)
Custom dunning — 10 action types, 3 templates
Promise to pay + auto-restart on breach
Bad debt provision + write-off workflow
Expansion Management ▾
Fincelo never auto-pro-rates — always 3 options to CFO
Option A: Pro-rated co-terminus · B: Fresh 12-month · C: Extended co-terminus
ASC 606 treatment shown per option — logged with name + timestamp
Expansion ARR tracked separately — never grouped with New ARR
Upsell signals from Customer Intelligence Agent
Contraction Management ▾
Seat reduction, module downgrade, price reduction — separate contraction bucket
AI blocks any reduction below ratchet / floor quantity / minimum guarantee
Three effective date options — immediate, next billing cycle, at renewal
Module churn from bundle — SSP allocation + CFO decision prompt
Customer-level ARR health dashboard across all contracts
Churn Management ▾
View A: recognise revenue through end date (unconditional right to payment)
View B: stop at termination + credit note — AI scans for no-refund clause
ARR decrements on actual termination date — always independent of revenue view
6 churn scenarios — proper notice, late notice, mid-year, immediate exit, refund, non-renewal
Renewal Management ▾
180-day renewal pipeline — alerts at 180/120/60/30/14/7 days
Renewal health composite score 1–100 with P10/P50/P90 ARR probability
Auto-renewal clause + price escalation detection
Signing gap handling — subscription never shows "Expired"
ARR shown as "At Risk — Grace Period" until signed
Win-back trigger on non-renewal
General Ledger ▾
Chart of accounts — customisable
Journal entries — manual and auto-generated
Trial balance — period-level, exportable
P&L and Balance Sheet — auto-generated from billing data
Deferred revenue waterfall — schedule maintained automatically
Audit trail — every entry immutable with user + timestamp
AI CFO Assistance ▾
AI CFO daily briefing — 8am, personalised
Natural language queries against live data
What-if scenario modelling
CFO decision log — immutable audit trail
Support ▾
Priority support + dedicated CSM
Enterprise
Custom
let's talk
 
Multi-entity at scale, unlimited GSTINs, white-glove implementation, SLA guarantees.
🤖 All 7 AI Agents — included
Unlimited agent actions · CFO Co-pilot full · Custom token limits
Plan limits
Active customersUnlimited
AI contract extractions/yearUnlimited
Invoices/yearUnlimited
Team usersUnlimited
GSTINsUnlimited
EntitiesUnlimited
International entitiesUnlimited
Everything in Growth, plus:
Multi-entity at Scale ▾
Unlimited entities — India + international
Unlimited GSTINs — all branch states
Advanced transfer pricing documentation
Segment reporting across 5+ entities
Custom intercompany agreements per entity pair
Advanced Finance Operations ▾
Custom approval workflows — value thresholds, parallel/sequential
Multi-currency advanced FX — full treasury consolidation
General Ledger with journal entries
Multi-entity budget vs actual
Enterprise Compliance ▾
Security documentation for investor due diligence
SOC 2 Type II report (when certified)
Custom data retention policies
High-availability deployment — 99.9% SLA
Enterprise Service ▾
White-glove implementation + data migration
Dedicated CSM + implementation engineer
White-label option
Custom integrations + elevated API rate limits
Add-ons — pay only for what you need
₹500 /user/mo
Extra users
Beyond the 10 included in Growth
₹500 /GSTIN/mo
Extra GSTIN
3rd, 4th, 5th GSTIN beyond the 2 included
₹2,000 /entity/mo
Extra international entity
2nd or 3rd international entity on Growth
₹50 /extraction
Extra AI extractions
Beyond the 300/year included in Growth
Example: India Pvt Ltd with Maharashtra GSTIN + Karnataka GSTIN + USA LLC → stays on Growth at ₹30,000/mo. 2 GSTINs included, 1 international entity included. Full intercompany eliminations. Consolidated P&L. No forced upgrade to Enterprise.
INR prices exclude GST · USD prices exclude applicable taxes · No revenue percentage · No overage surprises · Cancel anytime

Ready to close your books
without the nightmares?

See Fincelo handle your exact billing scenarios — GST e-invoicing, ratchet clauses, period close conflicts, ARR waterfall — in 30 minutes. Free trial, no credit card, no implementation consultant.

No commitment · No credit card · India-first · Global-ready
✦ Revenue Intelligence

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