Open Banking · accounting sync · MTD-ready

Your finances,
finally one step ahead

Fynmerge connects every bank account and accounting tool into a single intelligent view — with cash visibility, financial reporting, and tax tracking built in.

Cash runway
47 days
£28,400 in bank · at current burn rate
Updated every morning · live data
Acme Corp — 14d overdue
£4,200 · reminder sent automatically
Connected sources
+2
3 sources live
62%
of UK SMBs
owed unpaid invoices
86 hrs
lost per year
chasing payments
38
UK businesses close
every single day
4.2M
sole traders mandated
digital for tax, Apr 2026
⭐ 4.8 · 200+ Trustpilot reviews500+ UK businesses🇬🇧 HMRC recognised
Works seamlessly with your existing tools
XeroQuickBooksSageFreeAgentStarling BankMonzoBarclaysGoCardlessStripeXeroQuickBooksSageFreeAgentStarling BankMonzoBarclaysGoCardlessStripe
£21k
Average unpaid invoices currently owed to each UK small business
Source: Federation of Small Businesses, 2024
4
Disconnected tools the average owner uses to understand their finances — none talk to each other
Source: Xero Small Business Insights, 2024
40%
Of founders cite financial worry as their primary source of poor mental health
Source: Mental Health UK Business Survey, 2024
The platform

Your complete financial picture.
Finally.

Connect every bank account and accounting tool you use. Fynmerge transforms that data into cash visibility, financial reports, and proactive alerts — so you run your business on facts, not guesswork.

01 / Connected everywhere

Every account.
Every tool. One place.

Connect all your UK bank accounts via Open Banking and your accounting software — Xero, QuickBooks, FreeAgent, or Sage — in a single click. Fynmerge pulls everything together automatically, so your financial picture is always complete and always current.

All UK banks via Open Banking — Starling, Monzo, Barclays, HSBC and more
Xero, QuickBooks, FreeAgent & Sage — one OAuth click, syncs automatically
No tool yet? Start fresh — native Fynmerge invoicing included from day one
See all integrations →
connected sources
Your financial data
Xero
synced 2m ago · 847 records
live
Starling Bank
synced 4m ago · £28,400
live
Sage Payroll
synced 1h ago · 4 employees
live
QuickBooks
not connected
+ add
— fynmerge unifies all sources —
F
Unified financial picture
3 sources · real time · complete
02 / Cash visibility

See everything.
Decide with certainty.

Every morning, Fynmerge gives you a single number that matters — how many days of cash you have. Backed by live bank balances, outstanding invoices, and known outgoings, merged into one real-time dashboard you can trust.

Live runway updated every morning — know exactly where you stand
30, 60, 90-day projections based on your actual connected data
Push alert the moment runway drops below your safety threshold
Explore cash visibility →
live
GOOD MORNING, SARAH
MON 08 JUN 2026 · 08:41
Cash runway
47 days
£28,400 in bank · at current burn rate
Coming in
£14,200
3 invoices due this week
↑ £3,800 vs last month
Going out
£9,840
payroll · rent · vat
↑ £620 from NI change
Acme Corp #047 — 14 days overdue · £4,200 · reminder sent automatically
03 / Financial reporting

Reports that answer
real questions.

Generate a clear financial overview across all your connected accounts in seconds. See revenue, expenses, and net cash movement by period — then export a branded report to share with your accountant, board, or investors.

Revenue vs expenses breakdown — by month, quarter, or custom range
Export to PDF or CSV — branded and shareable with your accountant
Filter by entity, account, or time period — drill into exactly what you need
Explore reporting →
financial overview
This monthQ1 2026Custom
Revenue
£42,800
Expenses
£31,200
Net
£11,600
Client consulting£28,400
Retainer income£14,400
Payroll & NI−£18,600
Rent & utilities−£4,200
Software & tools−£1,840
↓  Export report · PDF or CSV
04 / Tax & MTD

Never miss a deadline.
Never get a surprise bill.

Fynmerge automatically sets aside the right percentage for tax as you earn, tracks every MTD submission deadline, and reminds you of self-assessment milestones — months before they're due, not days.

Tax pot calculator — set your rate once, Fynmerge does the maths
MTD-ready: quarterly submission tracking for Income Tax from April 2026
Self-assessment reminders starting 90 days before the deadline
Explore tax features →
tax & mtd
Tax pot · May 2026
£5,840
set aside at 25% · £1,460 added this month
MTD Q2 submission
Due 5 Aug 2026
58 days
Self Assessment 2025–26
Due 31 Jan 2027
238 days
MTD Q3 submission
Due 5 Nov 2026
150 days
05 / Invoice automation

Chase invoices
while you sleep.

Create a professional invoice in under a minute. Fynmerge handles the follow-up automatically — reminders at day 7, 14, and 30, with Stripe and GoCardless payment links on every invoice.

Configurable reminder sequences — your tone, your timing
One-tap escalation when a client goes dark
06 / Hiring intelligence

Know the real cost
before you commit.

Before your next hire, Fynmerge shows you the full picture — salary, employer NI at 15%, pension, and exactly how many days it shaves off your runway. Auto-updated each time HMRC changes rates.

True cost: salary + employer NI + pension shown upfront
Compare multiple hiring scenarios side by side
How it works

Up and running
in under 10 minutes

01
Connect your bank
Open Banking links any UK account in 60 seconds — Starling, Monzo, Barclays, HSBC, and more.
02
Sync your tools
One OAuth click connects Xero, QuickBooks, FreeAgent or Sage. Or start fresh with native Fynmerge invoicing.
03
See your full picture
Fynmerge builds your cash visibility, financial reports, and tax position immediately — the aha moment happens before you pay.
04
Stay in control
Proactive alerts, automated invoice chasing, MTD submission tracking, and hiring cost modelling — all from one place.

Real results for real UK businesses

⭐⭐⭐⭐⭐  4.8 · 200+ reviews on Trustpilot

Before Fynmerge, I had no idea what my cash position was until I hit a problem. Now I get a morning update and I actually sleep better. The invoice chasing alone has saved me 4 hours a week.

JW
James Whitfield
Founder, Whitfield Design Studio

The hiring cost modeller stopped me from making a very expensive mistake. I thought I could afford a junior hire — Fynmerge showed me it would have cut my runway by 3 months. Genuinely invaluable.

PM
Priya Mehta
Director, Meridian Consulting

We switched from four separate tools — Xero, a spreadsheet, Monzo, and a reminder app. Fynmerge replaces all of them. First time in two years I've felt in control of our finances.

TF
Tom Fraser
Co-founder, Harlow & Sons Retail
For accountants

Run all your clients
from one place.

Fynmerge for Accountants gives practices a single dashboard to monitor cash health, upcoming tax deadlines, and overdue invoices across every client — without logging in and out of separate accounts.

  • View-only access for each client — no shared passwords
  • Bulk MTD submission tracking across your whole portfolio
  • Exportable cash flow reports branded for your practice
  • Refer clients and earn commission — partner programme coming Q3 2026
Client portfolio
Thornfield Consulting89 days
Apex Property Group41 days
Harlow & Sons Retail18 days
Meridian Digital Ltd63 days

Stop reacting.
Start leading your finances.

Join thousands of UK business owners who finally know what's coming — and have the tools to do something about it.

Talk to the team
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