AI-native Finance as a Service
Sponsor-backed companies pay a fractional stack to hold four tools together — accounting, close, reporting, FP&A. BeanStack replaces the stack with one AI that runs the books — on your ledger or ours — and automates the routine accounting decisions under your approved policies, escalating the material and low-confidence ones. Not another platform for your team to operate — a finance department, delivered.
The ledger of record — but someone still keys most transactions and spends month-end stitching everything together.
Workflow checklists wrapped around the same manual reconciliation. The close still runs on human hours.
Static exports from the ledger, manually assembled, weeks late.
A separate model that drifts out of sync with the actual ledger between refreshes.
Full double-entry GL with automated journal entries and period-close management.
User-definable journal entry automation. Configure posting logic through the UI — no partner, no code.
Subsidiaries as linked organization records. Schedule-level consolidation with reporting-entity filters across the whole ledger.
Policy-governed ASC 606 revenue recognition. Contracts read, schedules built, monthly entries posted under your approved policies.
GAAP lease commencement and amortization. ASC 842 operating and finance leases handled alongside everything else.
Three-dimensional budgets with variance analysis. Budget-vs-actual referencing your live ledger, not a stale model.
Multi-currency transactions with automatic FX gain/loss posting at spot rate. No manual journal adjustments at period end.
Source document, AI reasoning, confidence, and approver logged on every decision. Auditors get evidence, not reconstruction.
Finance-native chat that reads across the ledger. Draft a journal entry, summarize an account, propose a reclassification.
| Dimension | AI-Native Finance | Legacy ERP |
|---|---|---|
| Default loop | AI acts, human reviews | Human acts, software records |
| Implementation | Days, configuration-driven | Months, partner-led |
| Ongoing admin | Minimal — UI configuration | Dedicated admin headcount |
| AI | Native across every workflow | Bolted on after the fact |
| Audit trail | Source + reasoning + approver per decision | Transaction log + change history |
| Cost | Predictable subscription | License + five-figure implementation |
For companies running a patchwork of accounting, close, reporting, and FP&A tools — yes. BeanStack consolidates that whole stack into one AI-native ledger. For adjacent domains (inventory, manufacturing, HCM), BeanStack pairs with best-in-class specialist tools and operates as the financial source of truth.
Your books are yours. Third-party AI providers we use are contractually prohibited from training on your data or retaining it after processing. Full security and data handling details on the security page.
Continuous reconciliation and AI-driven matching mean the books are mostly closed by month-end — the close becomes a review, not a reconstruction.
We'll map your current tools and workflows and show you the department equivalent — books, close, board packs, covenant reporting, FP&A — delivered from one ledger.
Talk to our teamOwn your ledger · No implementation project · Migrate from QuickBooks in hours, not months