Finance in Plain Language

“We were working at a profit. But our account balance is zero. Where did the money go?” This question stumps many LLC owners. Everything is working: the team, the product, sales — but at some point, there is simply not enough money. Not enough for salaries. Not enough for taxes. Not enough for purchases. A cash gap arises, and the business finds itself on the brink.

The pain is that you don't even see where exactly you are losing.

The accountant says the reports will be ready next month. The Excel spreadsheets haven't been updated in weeks. Money is scattered across accounts, contractors, employee cards — and it's difficult to piece it all together into a single picture.

Why Is This Critical for LLCs?

Businesses operating as LLCs are often complex structures: multiple accounts, departments, and directions.This is not “self-employment” — this is a system. And a system requires precision.

86% of LLC owners have these problems:

• No single system — they have to track cash, expenses, orders, and inventory in different places.Chaos in accounting — it’s impossible to consolidate all financial data in one place.
• It’s unclear which directions are profitable and which are dragging the business down.
• Excel can’t handle it anymore — routine tasks, exports, copy-pasting, mistakes.
• No clarity on whether the business is profitable or if dividends can be paid.
• Financial accounting is not automated.It’s hard to estimate the costs of opening a new location — everything is done “by feel.
• ”There’s no strong finance expert, or they are overloaded / not familiar with the business.
• A turnkey solution is needed — not just another finance course.

And instead of running the business, you turn into a financial analyst — or just close your eyes to the numbers.

How It Works in Practice

Financial accounting for LLCs is not about reports for the sake of reports, but about decisions that change business. Below are examples of companies that saw real figures and were able to make effective decisions thanks to Finmap.

Construction Company: “They Ate Themselves”

The company had six areas of focus: residential construction projects, commercial construction, and repair crews. Thanks to Finmap, they discovered that one area was eating into the profits of two others. Abandoning the unprofitable model resulted in a gain of 410,000 UAH over three months.

E-Commerce With Its Own Warehouse

The owner of a retail business that sells through Rozetka, Prom, and its own website has consolidated all expenses, orders, balances, and payments in one place. This saves over 40 hours per month, as previously all of this was managed in Google Sheets.

Education Business: Emigration School

The Finmap financial model revealed that lead acquisition costs exceed average revenue per customer. Sales department optimization resulted in a 22% increase in quarterly margins.

The statistics speak for themselves:

• 82% of LLC entrepreneurs in the small and medium business segment experience a lack of quality management accounting tools (according to a Finmap survey, 2024).
• Finance automation allows reducing time spent on routine tasks to 10 hours per month.
• Businesses that implement bank integrations with accounting systems increase financial transparency and make decisions twice as fast.

Finmap Integration With Monobank LLC — An Example of Automation Without Headaches

The new partnership between Finmap and Monobank for LLCs is a perfect example of effective business automation. This means that now all transactions appear in Finmap automatically. No exports. No errors. In real time.

The pain of manual data entry is in the past. Now LLC owners using Monobank can connect their accounts to Finmap, and the data will be updated automatically, without any extra actions on your part.

Previously, LLC owners with Monobank accounts couldn’t automatically pull statements into Finmap. Now, everything works simply and intuitively, just like it does with personal accounts.

How it works:

• In Finmap, click “Add integration”.
• Select Monobank LLC.
• If you are abroad, select Ukraine as the country, then Monobank LLC.
  

• Select an account, choose the period from which to pull data, and follow the instructions.

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Bank integrations with Finmap solve a number of problems for LLC owners:

1. Finmap collects all income, expenses, accounts, cash, debts, and investments in one system. The data is updated automatically. Excel is in the past.
2. When you have a project-based business, you need to see what is profitable and what is dragging you down. In Finmap, you can break down accounting by legal entities, departments, or directions.
3. Previously, LLC owners using Monobank had to export statements manually. Now — they don’t. Data is pulled automatically, just like for sole proprietors. No errors. No extra steps.
4. The financial manager has access to all the necessary data for their work, the department head sees only the information related to their unit, and the partner sees only the data related to their share. Full control over access rights.
5. You don’t need a CFO or to understand budgeting. Finmap provides outsourced CFO services who will set up accounting tailored to your business.

Who is this solution for:

• For owners of small and medium-sized businesses who manage LLC accounts in Monobank.
• For those who want to see up-to-date financial data without extra effort.
• For entrepreneurs who need to react quickly to changes in cash flow.
  

What else does a business get with Finmap:

• Over 2,800 bank integrations worldwide
• Support for 114 currencies and 138 cryptocurrencies
• ‍Bank-level security — 256-bit encryption, data stored on European servers
• Automatic analysis of cash flow, P&L, balance sheet, receivables and payables
  

Now for the Main Point: Why Integration With Monobank LLC Is a Must-Have

• Statement automation — no CSVs or copy-pasting
• Time savings — on average up to 10 hours per month
• Real-time data — you see problems before they become critical
• Less human factor — fewer mistakes

Time to face the truth:

Do your projects generate profit — or just look good in presentations?Do you know how much it costs to open a new location — or is it “we’ll see” again?
How much more time will you spend on manual routine?

Ready to see what financial order looks like?

Finmap integrates with Monobank not only for LLCs but also for sole proprietors, and it supports many other bank integrations — choose comfort and automation for your business. Try the Monobank integration now!

You can build with quality, on time, even profitably — and still lose money.

Not because something went wrong on site, but because your finances remain out of control.

In construction, that’s a classic: the number of projects grows, turnover increases — but at the end of the month, the account is empty, contractors await payment, and the numbers don’t add up. The reason is simple: without structured financial management, a business doesn’t grow — it breaks down into chaotic processes.

What exactly isn’t working in your construction business finances — and how do you fix it?

Let’s look at three core problems that destroy profit and how to solve them.

Problem #1: No Detailed Tracking by Project

In construction, everything revolves around projects. You invest in materials, crews, equipment rental — often across multiple projects at once. But when you try to tally things up, the numbers don’t match. Revenue looks good, but the bank balance is zero.

Job costing — the allocation of costs to specific projects — is a basic tool for building real budgets, analyzing efficiency, and forecasting profitability.

Without project-based management, a business quickly becomes unmanageable:

• It’s hard to say how much a single project actually costs.
• Overruns and budgeting errors are impossible to catch.
• The business scales, but profitability declines.
• There’s no way to analyze margins and make informed decisions.

According to a study published on the MDPI portal:

25% of construction companies may face bankruptcy after just two or three poorly costed projects — due to underestimating labor or materials.

How Finmap Turns Chaos into a Controlled Process

In Finmap, you can manage financials by project and subproject — for example, track foundation, roofing, or interior costs separately within one site.

This allows you to see the financial picture not just across the business as a whole, but per project: where overruns occur, which sites are profitable, and which need budget revision.

The system lets you:

• Build a structure of projects and subprojects (e.g. site → subprojects: foundation, interiors, structural work, engineering, etc.).
• Automatically or manually assign and track transactions on the right level.
• Generate key reports — especially P&L and Projects, which provide deep financial analytics.

By aligning Finmap’s structure to your real business model, you go beyond tracking costs — you unlock real financial insights.

The system shows key performance metrics — both across the company and per project. Here are suggested benchmark metrics for construction businesses that Finmap helps you track:

Companies using analytics and job costing make decisions faster and more accurately: a research shows that implementing job costing allows 42% faster resource reallocation across projects, improving business agility.

With Finmap, you’re no longer flying blind — the system gives clear, project-specific data so profit becomes a result of management, not luck.

Problem #2: Cash Gaps in Construction — and How to Avoid Sudden Crises

In construction, cash flow gaps aren’t an exception, they’re the norm. You spend heavily upfront: advances to suppliers, prepayments to subcontractors, material purchases.
Income comes later — after completion or with delays.

Without smart financial management, this leads to:

• Cash gaps even in profitable companies.
• No visibility into upcoming financial strain.
• Delays in payments to vendors and employees.
• Loss of trust from contractors and internal teams.

According to Entrepreneur:

Up to 82% of construction businesses go bankrupt due to poor cash flow management — one of the most overlooked risk zones.

Finmap’s Solution: What Changes When a System Is in Place

Finmap doesn’t just show your account balances — it answers the key question: Will you have enough to meet your obligations in the coming weeks?

The core tool is the Payment Calendar, which tracks all upcoming income and expenses by day and giving you early warning of potential shortfalls.

The system lets you:

• Factor scheduled expenses into your financial projections.
• Track expected income (milestone payments, receivables).
• View cash movement by date, account, and project.
• Forecast cash flow and highlight risk periods.

Cash flow forecasts aren’t just reports, they’re early warning systems. Businesses that see what’s coming don’t react, they plan.

In Finmap, this tool works daily — to ensure money doesn’t disappear unexpectedly, but instead drives growth.

Problem #3: When No One Knows Who Owes What to Whom

In construction, financial obligations pile up fast: dozens of contractors, suppliers, advances, partial payments, petty cash.

Without systematic management, this data cannot be combined into a single picture and even the company's manager cannot accurately say how much money is “in circulation,” how much is actually available, and how much is tied up in debt.

Late payments are widespread. According to PYMNTs:

71% of construction subcontractors regularly face payment delays — often due to the lack of structured obligation tracking.

The consequences of disorderly accounts receivable and accounts payable that your business experiences every day:

• No control over receivables or payables.
• No view of real company liquidity.
• “Leaked” petty cash — with no clear trace or accountability.
• Irregular cash pressure, forcing last-minute transfers, credit usage, or personal funding.

Without obligation tracking, you’re not managing money — you’re chasing it. And the bigger the business, the bigger the chaos.

How Finmap Handles This in Real Business Scenarios

Finmap helps you systematically manage receivables and payables via dedicated reports and planning tools that recognize and reconcile operations.

All obligations — future and overdue — are collected in one system, linked to contractors and due dates. The Payment Calendar includes them in forecasts, so you see not just your balance — but the full picture: How much needs to be paid, when, to whom, and from what source.

Petty Cash Management in Construction: a Practical Fix

Petty cash is a “gray zone” in construction: site managers, supervisors, and buyers often receive cash or direct transfers for small purchases, logistics, or repairs.

Without a system, these funds often go untracked or are reported late. So you don’t know:

• What’s been spent.
• What’s still outstanding.
• What was never returned.

Common issues:

• No receipts, or they’re scattered in Viber / Telegram / private chats.
• Some expenses never get logged.
• The cash register “drops,” and no one’s accountable.
• At month-end, reconciling projects is impossible.

In Finmap, you can manage petty cash per employee — with amounts, purpose, project, and closure status

Here’s a step-by-step framework for gaining control:

If you think petty cash isn’t an issue, and trust alone is enough look at the data Business.com:

67% of employees have violated company expense rules at least once.

ACFE studies show that businesses lose up to 5% of revenue every month due to internal errors, abuse, or simple lack of control.

If your business makes $1,000,000/month — you’re losing $50,000 without even knowing it.

Now multiply that by 12, or 5 years, or 10.

Petty cash isn’t minor. It’s an invisible budget leak, one that grows unless closed systematically.

Finmap Client Case: How an Architect Became a Financial Manager

Bogdanova Bureau is an architecture studio handling full-cycle interior and building projects, with offices in Kyiv and Switzerland. Each project is highly individual with large budgets ($1M to $5M), and responsibility not just for design but for timelines, teams, phases, and costs.

In the early days, there was no structured financial management. Money was scattered across accounts, cards, and cashboxes. Some transactions weren’t logged, some costs went into Excel, some stayed in someone’s head.

Simple questions had no answers:

• How much did we earn?
• Can we cover payroll?
• Which project is profitable?

We’d finish a project — everyone got paid. But we were left with nothing. No money. And no idea where it went. - Olga Bogdanova, founder of Bogdanova Bureau

Things got critical when multiple projects went into the red — by $50K, $80K, even $180K. Reserves were drained. Cash gaps appeared. They had to take loans — but the company nearly collapsed.

That experience became a turning point.

Olga realized: without financial management, you don’t just lose profit — you lose control.

Learn how Olga decided to implement Finmap, built a new financial model, and grew revenue by +173%.

What changed after Finmap:

	Before		After
	Lack of profitability calculation: projects looked profitable but generated hidden losses.		Each project has its own financial model with fixed expenses, profit, operating margin, and fund allocation.
	Money is scattered across accounts, cashboxes, and currencies — it’s impossible to quickly determine balances and available funds.		All accounts are consolidated in a single financial interface: full transparency over cash balances and liquidity.
	Decisions were made based on gut feeling — without analytics, regular reporting, or planning.		Weekly financial reports, a payment calendar, and regular cash flow analysis have been implemented.
	Administrative costs, bonuses, and PR activities were funded chaotically or “from whatever profit remained.”		A fund system has been implemented: reserve, development, and PR — with a fixed % from each project’s profit.
	Strategic plans were built without reflecting the actual financial situation.		Management decisions are now based on numbers: Finmap provides trends, risks, forecasts, and financial signals.

Today, Bogdanova Bureau handles fewer projects — but with bigger budgets. Financial management became the foundation for forecasting, strategic planning, and transforming the business model.

My team is a factory that produces projects. And I need to know exactly how much that factory costs — to be sure we’re earning, not just working to break even. - Olga Bogdanova, founder of Bogdanova Bureau

Now Olga has full clarity: where the profit is, where reserves lie, where growth is possible. The business shifted from manual operation to system-based management.

Finance isn’t about spreadsheets. It’s about choice, clarity, and the ability to act strategically.

Build Your Business on Numbers — Not Assumptions

In construction, every number matters — especially the ones you don’t see at first. Not having a financial system costs you: in time, stress, and money.

Finmap brings structure to the chaos:

• See project profitability;
• Prevent cash gaps;
• Track petty cash and debts;
• Delegate financial management confidently.

Don’t wait until the money runs out again — try Finmap today and take control.

With Finmap, you’re not just building sites — you’re building a profitable business.

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Financial chaos?
Forget it!

Finmap gives you control and order.

Try it — 7 days for free.

Try for free

no card required

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Frequently Asked Questions

1. Why does construction need project-based accounting?
Because in construction, profitability isn’t about totals — it’s about how each site performs. Without job costing, you don’t see what’s eating margin, where the overruns are, or which project is in the red.

2. Why do even profitable companies face cash gaps?
Because profit ≠ cash. In construction, payments often come late, while expenses happen upfront. Without a payment calendar, it’s easy to have dozens of invoices due — and nothing in the account.

3. How to fix the chaos in contractor and supplier payments?
Structure your contractor data — amounts, terms, and due dates. Use Receivables and Payables reports in Finmap for a full picture of who owes what to whom. You’ll stop missing payments, avoid penalties, and build trust with partners and your team.

4. What about petty cash that always slips through the cracks?
Create separate accounts for foremen and buyers. Give them limited access via the mobile app or Telegram bot. Require receipts. Result: every expense gets logged, nothing gets lost, and your cash flow stays healthy.

5. What practical results can financial management deliver?
Look at Bogdanova Bureau. After adopting Finmap, they overcame cash gaps, optimized costs, revised their project model — and increased revenue by +173%. Financial management turned from a burden into a tool for growth.

A creative product, loyal customers, and a dedicated team — that’s enough for inspiration. But not for scaling.

Without structured financial management, it’s impossible to make informed decisions: where to invest, what to grow, and what to cut.

KLEI printed stickers for well-known clients, sold abroad, received customer praise, and managed everything — except one thing: understanding where they were actually making money and where they were losing it.

As the bank account neared zero while orders kept growing, one question emerged:
Are we actually making money — or just keeping busy?

KLEI: Built on Meaning, Geared for Growth

KLEI is a Ukrainian brand of durable stickers founded in 2017. Instead of mass production, they focused on quality and product value. The company began with a compact team of 10, operating like a family business.

Thanks to founder Mykyta Anikanov’s creative yet pragmatic approach, the business quickly gained momentum, soon landing clients like Reface, Wix, Banda Agency, Wikimedia, and others.

When Finances Become a Bottleneck

On the surface, everything looked great: stable orders, international clients, high quality. Customers in Canada placed orders and were willing to wait weeks for delivery — all without additional marketing.

But in 2021, growth seemed to hit an invisible ceiling. Mykyta realized the core issue was finances. There was no understanding of how much the business was actually earning. Some months showed profit, others ended in the red — and it was hard to explain why.

The causes:

• Cash gaps caused by mixed payment methods
• Unclear cost structure due to order variety
• No single system to show where the business was losing money

At the time, KLEI handled widely varying orders — from 1 to 10,000 stickers, contour-cut, bundled, or corporate.

But they lacked analytics to show which orders were profitable and which were dragging them down. To get clarity and build a foundation, Mykyta decided to implement Finmap.

I want to build a company that’s reliable and doesn’t collapse at the first crisis. That takes time. And finances have always been my weak point — it was really difficult for me. - Mykyta Anikanov, founder of KLEI

From Spreadsheets to a System: What Changed with Finmap

In summer 2021, Mykyta explored Finmap. By autumn, as the business season kicked off, the company fully implemented the system: centralized financial management and shut down Excel spreadsheets.

Key tools and decisions that immediately made an impact:

• Consolidating all data in one system

Before Finmap, financial management was fragmented: separate accounts, spreadsheets, and mental notes. This created constant stress — will everything add up? Do we have enough cash? Did we miss anything?

Before, I’d be calm for two days and then stressed for two weeks. Now it’s the opposite — I’m always calm.
- Mykyta Anikanov, founder of KLEI

• Managing accounts receivable

KLEI often worked without prepayment to speed up the process and secure orders. Late payments seemed rare, but in reality, they caused serious cash gaps.

Money was supposed to hit the account, but delays broke the operational rhythm. Thanks to the Payables report and Payment Calendar, the company identified this weakness and made a clear decision.

After implementing financial management, I saw in Finmap that we really had receivables. So we just said: okay, from now on — prepayment only.
-Mykyta Anikanov, founder of KLEI

• Full control over balances and Cash Flow

Finmap allowed KLEI to see their financial state in real time: how much cash is in the account, which payments are pending, what’s coming tomorrow. This eliminated the constant background anxiety of “feeling” finances — now there are numbers, graphs, and dates.

I open Finmap, see the balance, upcoming expenses, still in the black — and move on. Before, I had to check three bank accounts, spreadsheets, notes — and still be unsure. - Mykyta Anikanov, founder of KLEI

• Categorizing orders

To dive deeper, KLEI created a category structure in Finmap: separate categories for individual stickers and sticker packs. This revealed profitability by product type — not just at the business level, but by direction. They saw what to scale and what to rethink.

Before, we just looked at the total: money came in — so we were fine. But once we started dividing by order types, we saw that not everything was equally profitable.
- Mykyta Anikanov, founder of KLEI

Developing Financial Literacy

Finances were Mykyta’s weak spot — the topic always made him anxious. Alongside Finmap, he completed the “Business Money” course. This allowed him to both delegate operations and personally understand how business finances work.

I used to constantly wonder — will everything add up, will there be enough? Now I understand where those questions come from — and how to answer them.
- Mykyta Anikanov, founder of KLEI

Combining automation with personal involvement gave Mykyta what he needed most — confidence. He no longer relies on intuition. He makes decisions based on reports and real data.

This shifted not just the finances, but the entire business management approach.

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Financial chaos?
Forget it!

Finmap gives you control and order.

Try it — 7 days for free.

Try for free

no card required

​

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A Financial System as a Prerequisite for Scaling

After configuring Finmap and delegating operations, the system became a steady anchor for the team. All key financial data was in one place, clearly structured by category, and accessible anytime.

This freed up time for what truly matters to a founder: growth, strategy, expansion.

So in 2025, KLEI reached a new level of scaling:

• Raised investment.
• Started building their own production facility.
• Opened new accounts.
• Launched a new financial structure aligned with their growth.

This growth would’ve been impossible without a working financial system already in place — they didn’t have to build from scratch.

When You Know the Numbers — You Know Where You’re Going

Next up: completing their production facility, stabilizing processes, and preparing to enter new markets. Finmap remains central — providing structure, control, and a foundation for every next move.

In the end, Mykyta offers a simple but practical takeaway:

Spend time on finances weekly. Even 30 minutes analyzing the numbers gives you more than guesses or gut feeling. A founder should know what every number means — and make decisions based on facts.

What You Can Learn from KLEI’s Story

Your business might resemble KLEI’s: a solid product, loyal customers — but inside, no clear view of expenses, constant cash gaps, and a lingering sense that something’s off.

KLEI stopped in time, looked into their finances — and saw the real picture. That gave them the confidence to scale, raise investment, and grow with clarity.

If you're reading this, you're probably on the path to financial clarity.

Here are a few lessons KLEI learned — so you don’t have to go through it blindly:

• No system = no control.
• Profit “by feel” = risk of a cash gap.
• Order in finances = not about Excel, but about automation, consistency, and the right tool.

Do what KLEI did: don’t wait for a crisis to get organized.

Try Finmap and see how business changes when financial clarity arrives.

Frequently Asked Questions

1. Why did a company with stable orders still face financial trouble?
Because orders ≠ profit. KLEI lacked a system to show what actually brings in money and what just adds turnover. This led to cash gaps and unclear costs.

2. What action creates immediate impact, regardless of industry?
Centralizing all accounts, income, and expenses in one system — and reviewing them daily in one window. This reduces chaos, brings clarity, and removes the risk of forgetting something.
For KLEI, that was the point where real control began. It works for any business, any niche.

3. Is Finmap suitable for small or creative businesses?
Yes. KLEI is a small business with a creative product. Such companies often operate on intuition. Finmap lets you stay creative — while seeing the real money.

4. What if I don’t understand finances?
Mykyta from KLEI wasn’t a finance expert either — and he says so. He delegated the bookkeeping, took a basic course, and learned to read reports. Finmap is made for founders who want clarity without getting lost in routine.

5. What results did KLEI achieve after organizing their finances?
They raised investment, launched their own production facility, built a new financial structure, and upgraded operations — all based on data, not assumptions.

When your account balance is zero, your pocket holds $2, and you're staring down $120,000 in debt. All while your business still has sales, a team, and clients.

I was standing in the kitchen with $2 in my pocket, thinking: that’s it, there’s no way out. Three years later — I paid back every cent of my debt. If I had tracked the numbers earlier, none of this would’ve happened. — Ekaterina Vishnevetskaya, entrepreneur, guest on the podcast “If Only I Had Known”

Ekaterina Vishnevetskaya — partner at Genius Space Teleport, co-owner of the international educational project Proryv, and an entrepreneur who missed the signs of a cash flow gap. The result: minus $120 000, creditors, panic, and a complete business reboot. She rebuilt everything from scratch — slowly and painfully.

Today, Ekaterina shares the lessons that apply not just to project-based businesses, but to any entrepreneur who wants to avoid losing everything.

This isn't a finance lecture. It's real stories, real mistakes, real numbers — and the exact steps that helped her:

• stay out of the debt trap,
• keep money under control, even without a financial background,
• organize the budget without messy Excel sheets,
• and finally stop living from one launch to the next.

Keep reading — it's honest, sometimes painful, but incredibly useful.

Lesson 1. You’re Not an ATM for Your Business — and Your Business Isn’t Your Wallet

The Problem: Mixing Personal and Business Finances = a Ticking Time Bomb

You estimate profits “by feel” and celebrate every incoming payment — only to spend that money on personal expenses the next day. A month later, your accountant shows that you’re short $5 000 for salaries and ads — and you have no idea how that happened.

We were using this month’s revenue to pay off invoices from three months ago — because we kept everything in one pot: personal and business. It was a ticking time bomb. — Ekaterina Vishnevetskaya

Why It’s Dangerous for Your Business

• Distorted picture. You see $7 000 in the account and think it’s profit — but $6 000 is actually client prepayments that still need to be fulfilled.
• Working capital disappears. When you pull out money for personal use, your business is left without cash for inventory, services, or marketing.
• One delay = cash flow gap. Two late payments — and suddenly you can’t pay last month’s bills, because you didn’t have a reserve.

The solution: create a clear financial boundary between you and your business.

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Results in just one month

• A clear view of your company’s actual profit.
• Confident expense and investment planning — without the fear of “will we have enough for payroll?”
• Your personal finances no longer depend on how many clients paid today.
• Transparent financial reports — so investors and partners trust the numbers, not just your words.

Most importantly: if you mix personal and business money, a cash flow gap is only a matter of time.
Set up a border now, and your business will breathe freely, and you will be free from panic.

Lesson 2. How You Lose 30% of Your Money Every Day Without Noticing

The Problem: Thousands of Small Transactions Quietly Draining Your Cash

You focus on big bills — rent, inventory, salaries — while minor expenses of $2 – $4 silently eat away your profits. Coffee, taxis, subscriptions, office supplies — all those “little things” add up to a big loss. By the end of the month, you’re looking at the numbers and wondering:

A thousand small transactions, each for $2 – $4, and suddenly there’s a 30% hole labeled ‘miscellaneous.’ That’s how money disappears — without a trace. — Ekaterina Vishnevetskaya

Why It’s Dangerous for Your Business

• Small expenses drain your focus and your budget. They seem harmless, but they quietly shrink your margin and make your business less profitable.
• Lack of clear control. Without weekly tracking, even tiny subscriptions or impulse buys accumulate — becoming a black hole in your budget.
• Worsened financial planning. When the “miscellaneous” category keeps growing, it’s nearly impossible to forecast expenses or profits.

The solution: a weekly 10-minute check-in to review and control small expenses.

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Results in just one month

• A real understanding of where your money is going — and where you can cut back.
• Higher profits, because you’re no longer losing money to invisible cash leaks.
• More accurate and predictable budgeting.
• Peace of mind for you as the owner — because everything is under control.

Remember: big money is made up of small money. If you don’t control the little things, they’ll become your biggest financial enemy.

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Financial chaos?
Forget it!

Finmap gives you control and order.

Try it — 7 days for free.

Try for free

no card required

​

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Lesson 3. A +20% Buffer: Your Financial Safety Net That Can Save Your Business

Why Adding 20% Isn’t a Luxury — It’s Real Insurance for Your Business

I multiply any expense by 1.2. If there’s anything left — it goes into the reserve. If not — I was ready for it. — Ekaterina Vishnevetskaya

No one asks your permission when exchange rates spike or inflation surges. A marketing campaign might suddenly need more funding to actually perform. A client might request a refund even after payment — and you need to plan for that in advance.Without a buffer, even small surprises can turn into a cash flow crisis that hits your business hard.

How to Create a +20% Buffer Budget in 4 Simple Steps

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Results in just one month

• You’ll stop fearing unexpected costs — and start handling surprises calmly.
• You’ll build a real financial cushion — without stress or panic.
• Your business becomes more stable, and you become more confident in the future.

Even if you don’t spend the reserve — it gives you peace of mind.

Think of it like life insurance — for your money. Don’t wait for a crisis to catch you off guard. Learn to plan with a buffer — and your business won’t collapse at the first unexpected hit.

Lesson 4. A Financial Cushion Is Your Bulletproof Vest in an Unstable World

Why a Financial Cushion Isn’t Just About Money — It’s About Business Survival

Our courses launch every three months. If one launch fails — without a cushion, the company won’t survive until the next one. — Ekaterina Vishnevetskaya

In project-based businesses, income is inconsistent: one month there’s a launch, the next — silence.
Without savings, even a small delay or failed campaign can sink the company.

No financial cushion means you’re forced to cover operating expenses with loans or debt — and that’s a fast track to collapse.

There’s a Simple Formula for Building Your Financial Cushion

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The Result:

• You get a bulletproof vest that absorbs unexpected shocks and gives you time to recover.
• You gain confidence knowing that even if something goes wrong, your business won’t go under.
• This cushion is your life raft — it helps you stay afloat until the next successful launch.

This pillow is like a lifeline that helps you survive until the next successful launch. — Ekaterina Vishnevetskaya

Lesson 5. A Cash Flow Gap Is Your Most Painful — but Most Valuable — Teacher

$120,000 in debt and zero in the account. It hurt — but that’s when I learned to truly respect the numbers. — Ekaterina Vishnevetskaya

Three Signs a Crisis Is Already at Your Door:

• You’re paying off old bills with new sales — like using a credit card to cover other debts.
• Client prepayments are spent on current expenses instead of business growth.
• Payroll dates keep getting pushed, and accounts receivable keep growing.

If any of this sounds familiar — it’s time to act.

The “Stop-Debt” Algorithm: How to Keep Your Business Alive in a Crisis

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The Result: The crisis becomes a lesson — not the end of your business.

A clear action plan gives you strength and motivation to move forward while keeping your team and reputation intact.

Debt isn’t a death sentence — if you stop in time and take control of the situation. — Ekaterina Vishnevetskaya

Lesson 6. Future Costs — Not Past Prices — Ignoring This Difference Pulls Your Business into the Red

A product I bought for $1,000 two months ago now costs $1,100.If I leave the old price in the budget — I’m guaranteed to lose money. — Ekaterina Vishnevetskaya

Why You Need to Think in Future Prices, Not Past Ones

Prices are constantly rising — due to inflation, logistics, or raw material costs.
If you don’t update your cost estimates in your financial models, your budget becomes inaccurate and unprofitable. It’s like driving a car with a fuel gauge that shows yesterday’s fuel level.

How to Avoid This Trap

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The Result: You stop losing money due to outdated numbers. Your business stays aligned with the market and remains financially stable.

A financial model is a living document — you need to keep it in shape. — Ekaterina Vishnevetskaya

Lesson 7. A Balance Sheet Isn’t Just About Expenses — It’s a Strategic Transformation of Your Money

Why Understanding Balance Matters

Buying equipment isn’t just spending — it’s investing in an asset.
An asset can be sold, rented out, or used to scale the business.

Without understanding your balance sheet, you can’t make smart decisions — whether it’s better to buy or rent, spend or invest.

How to See Your Balance Sheet in a New Light

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The result: You turn your budget from a list of expenses into a growth tool.

Lesson 8. Visualization and Delegation — Financial Control at a Single Click

I get lost in spreadsheets. In Finmap, I opened the dashboard — found the error in five minutes and fixed it. — Ekaterina Vishnevetskaya

Why Founders Need Instant Financial Visibility

Even if you have a CFO, you must be able to see the real picture at any time. Without that, you risk staying in the dark and missing critical issues.

How to Combine Delegation with Control

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The result:You control your finances without Excel or complicated reports.

Visualization is financial radar — it keeps you one step ahead. — Ekaterina Vishnevetskaya

Instead of a Conclusion: Take the First Step Today

1. Open a separate bank account for your business.
2. Set up bank sync in Finmap — it takes 3 minutes.
3. Set aside the first 3% of your profit into a financial cushion.
4. Review the budget for your next project and add a 20% buffer.
5. Check your minor expenses and reduce the “miscellaneous” category to 5% or less.

Controlling the numbers is an investment in my peace and freedom.$25 a month vs. $250,000 in potential losses — the choice is obvious. — Ekaterina Vishnevetskaya

Ready to turn your business from chaos to control? Leave a request — our experts will show you exactly what’s happening with your money, for free.

Frequently Asked Questions

1. How do I separate personal and business finances if I’m just starting out?
Start by opening a separate business bank account and setting a fixed “owner’s salary.” This helps prevent mixing personal and business funds from day one.‍

2. Why is it so important to track even small expenses?
Seemingly insignificant payments — coffee, subscriptions, taxis — can add up to serious amounts and eat up to 30% of your budget, harming profits. Regular review and categorization of expenses help maintain control and avoid surprise cash flow gaps.

3. Why add a 20% buffer to the budget? Isn’t that overspending?
The buffer acts as insurance for your business against unforeseen events — currency fluctuations, extra marketing costs, client refunds. It helps avoid crises and keeps your business stable.

4. How much should I save for a financial cushion, and why is it necessary?
Ideally, set aside 3–10% of your net profit monthly until you’ve built a reserve that covers at least three months of regular expenses. These funds must remain untouched — even for debt repayment.

5. What if I’m already facing a cash flow gap and debt?
Be transparent with creditors and ask for a 3-month payment delay. Focus on boosting sales and marketing, and pay down debts gradually — track payments in a spreadsheet for control and motivation.

6. How do I account for rising costs in my budget?
Include a forecasted cost increase (e.g., +5–10%) in your financial model, and compare it monthly with actual expenses — this helps prevent losses.

7. Why is a balance sheet more than just tracking expenses — it’s about transforming assets?
Buying equipment is an investment in an asset you can rent out or sell. It opens new opportunities for the business instead of just draining funds.

8. How can a business owner stay financially aware even with a CFO?
Even with a CFO, you should have fast access to key financial metrics via simple tools (like Finmap) to make informed decisions and stay in control.

You’re selling every day: website, Instagram, marketplaces. Money is coming in — but every day you’re asking yourself the same question: “How much is my business actually earning?”

Sales are growing, turnover is increasing, yet finances remain unstable despite this growth. One day there’s not enough money for advertising, the next — not enough for inventory. Instead of a clear financial picture, there's chaos and confusion. Is your business actually making money or just staying afloat?

In retail and e-commerce, mistakes are costly.

You offer a discount but forget to factor in logistics — and you’re operating at a loss.
You launch an ad campaign but overlook expenses — and your profit vanishes.

Without a clear financial picture, decisions become guesses. And guesswork means a risk of bankruptcy.

Common Financial Problems in Retail and E-commerce

You’re constantly making dozens of decisions: how much to invest in advertising, when to pay suppliers, which product to order. But without a clear financial system, these decisions are almost always made blindly.

Here are 5 common problems that hold businesses back from scaling:

1. No Unified Financial System

Multiple business accounts, acquiring, marketplaces, cash on delivery, cash — your financial data is scattered across various dashboards and spreadsheets.

If this data isn’t consolidated in one system, you have no real picture of how much money you actually have, what income is expected, what’s already spent, and what should still come in.

Consequences:

• Every time you check your balances, it feels like a full audit, draining your time and nerves. Instead of managing the business, you’re searching through Excel files and online banking accounts.
• Your financial manager or accountant lacks up-to-date information. This can easily lead to exceeding turnover limits, additional taxes, or refunding clients.
• Calculation errors cause cash gaps, late payments, missed purchases — or funds get blocked on an account and can’t be used when needed.

The owner shouldn’t be spending time manually aggregating data — they should see the full financial picture in two clicks. That’s the foundation of effective management.

2. It’s Unclear What Actually Generates Profit

Most e-commerce and retail companies only know their revenue figures. But which product is actually profitable, which channel brings margin, and which one just burns resources — is usually not tracked.

According to a PwC Strategy report:

Around 50% of products in a typical sales portfolio generate less than 5% of gross margin.

Consequences:

• You’re selling a product that seems profitable or popular but is actually killing your profitability.
• Scaling becomes hard — you don’t know which products are worth promoting.
• Advertising budgets go to campaigns that don’t deliver meaningful returns.

It doesn’t matter how much you sell. What matters is how much you earn from each item. Your decisions should be driven by the margin on products and channels.

3. Cash Gaps Due to Disorganized Settlements

In your business, you deal with dozens of contractors every day: suppliers, logistics companies, managers, freelancers. Each has their own payment terms: prepayments, partial payments, advances, 7/14/30-day delays.

But without a systematic approach to tracking these settlements, you lose control: you don’t know who still owes you money and who you should have paid yesterday.

Consequences:

• Cash gaps appear: you seem to have money in the account, but it can disappear the moment an angry supplier calls.
• You incur penalties, shipments get blocked, clients are lost.
• You have to “put out fires” with your own money — covering payments from your personal funds or on credit.

Financial relationships with partners must be under control. Every payment should be planned and transparent — otherwise, it’s not a business but a chain of chaotic reactions.

4. No Financial Planning

In most e-commerce businesses, money comes in only after the order is fulfilled.

But most expenses are regular and often require prepayment: you need to buy inventory in advance, launch ads, pay advances, cover delivery costs, handle returns, and so on.

Consequences:

• If you don’t plan when and how much money is coming in — sooner or later you’ll face a situation where there’s not enough cash on hand or in the account.
• Payments are made using credit or loan limits, which leads to extra costs.
• Profit becomes unpredictable — you’re never sure until the end of the month whether you’ll break even or not.

According to JPMorgan Chase, over 60% of businesses don’t even have a basic monthly cash flow model. How long do you think those businesses can survive?

Without financial planning, you’re not managing money — you’re constantly fighting the consequences of not having it.

5. Money Frozen in Inventory

One of the most common financial mistakes in retail and e-commerce is buying inventory without a financial rationale. Decisions are often made emotionally: “It’s a good price,” “It’ll sell in season,” “It doesn’t spoil — let it sit.”

But every batch of inventory is frozen money. And if you don’t know whether you can sell this volume, at what margin, and whether the profit will cover ads, shipping, packaging — it’s not an investment, it’s dead weight.

Consequences:

• Without calculating full cost and margin, you can easily stock up on products that look profitable, but after shipping, packaging, and fees — you’re basically giving them away for free.
• You can’t pay for what’s truly necessary — because your money is frozen in inventory.
• You can’t grow sales because you don’t know which products actually make money.

Every purchase should be guided by analysis: can we sell it, how much will we earn, and is this better than spending the money on ads or growth?

‍These aren’t all the financial problems e-commerce and retail businesses face. But these are the most dangerous ones.

They eat into profits, block growth, and create ongoing instability.

If left unresolved, scaling won’t bring growth — only more chaos.

Why Having a CRM Doesn’t Mean You’re in Control of Your Finances

Many entrepreneurs mistakenly believe that if they already use a CRM, their finances are under control. Yes, a CRM is important — but it’s designed for managing sales, not money.

A CRM helps you sell — and that’s its core purpose. It:

• Tracks leads and customer inquiries;
• Shows sales stages and funnel progress;
• Helps manage your sales team;
• Calculates conversion rates, average check size, and KPI performance.

But it doesn’t answer the key financial question: is the business profitable?

A CRM doesn’t track real expenses — for advertising, delivery, packaging, salaries. It doesn’t know when marketplace payouts are due or when you need to pay a supplier.

It won’t show how much money you have, how much is blocked, how much you owe, or how much is needed to cover all obligations.

CRM is about who bought. Financial management is about what you earned.

And if you want to manage your money — not just record sales — you need a dedicated tool.

Finmap — Real-Time Financial Management

Finmap is an online tool for financial management that gives you a complete view of your finances.

Finmap gathers everything in one place, automates routine tasks, and shows you where the profit is — and where the expenses are.
This is not “accounting for the tax office” — it’s a tool for making managerial decisions.

For retail and e-commerce, this is critical:
Cash flow is unstable, expenses are scattered, and data is stored in dozens of different sources.

No More Chaos: All Your Money — Under Control in One Dashboard

Finmap brings all your financial sources into one system: bank accounts, acquiring platforms, marketplace data, cash on delivery, and physical cash — everything in one place.

It also offers an open API, letting you connect your CRM or other tools so the system captures not just payments but also sales data automatically.

Result: At any moment, you see exactly how much money you have, where it came from, and where it's going.
This isn’t just convenient — it’s profit control.

Automate Your Finances — Manage the Business, Not Spreadsheets

Finmap helps you automate financial processes in just a few simple steps — without extra routines or constant manual control:

Result: All your data updates automatically. No errors. No delays. You finally free up time for strategic decisions, growing your business, and increasing profits — instead of chasing numbers.

“Projects” Report — See Profitability by Business Line

Want to know what actually brings profit:
Sales from Amazon or Instagram? Wholesale or retail? B2B or dropshipping?

Finmap lets you break your business into separate “projects” — by sales channels, business lines, product lines, brands, or marketplaces.
And then see income, expenses, and profit by each one.

‍Result: You make decisions based on margin and profitability. You scale what works — and cut what drags you down.

Payment Calendar — Your Financial Planner

Tired of putting out fires?‍

With Finmap, you see all upcoming income and expenses day by day — and can spot potential cash gaps before they happen.

‍Result: You plan cash flow ahead of time, meet your payment obligations on schedule, avoid shortfalls, and manage your business proactively — not in panic mode.

Inventory in Money Terms — See Profit, Not Just Stock

You bought the goods but haven’t sold them yet. The money’s already gone — but the profit hasn’t come in.

Create a separate “Warehouse” account in Finmap, where you’ll track inventory movements in money terms, not just item counts.

Result: You see exactly how much you earn from the products you’ve sold.
You don’t confuse spending with assets — especially critical for businesses with large inventory balances.

Control Payables and Receivables — Avoid Cash Gaps and Losses

Many businesses lose money not because of low sales, but because they don’t get paid on time — or fail to track their own obligations.

Finmap lets you track every debt: who owes you, how much, and when it’s due.
And vice versa — who you owe, payment dates, what’s already paid, and what’s still outstanding.

‍Result: All your receivables and payables are under control. No more forgotten payments, lost clients, or damaged reputation. You can forecast cash gaps, manage working capital, and know exactly what you can count on.

A Flexible Tool for All Your Needs

Beyond core features, Finmap easily adapts to the way your business works. You can:

• Track salaries and bonuses paid to your team
• Delegate routine tasks to employees using flexible access rights
• Analyze profitability by client, marketplace, or ad campaign
• Monitor how much each team member earns and spends
• Send invoices and track client payments

Result: You don’t just get accounting — you get a financial system tailored to your business. From day-to-day operations to strategic analytics — everything that affects your profits is under control in one workspace.

Finmap Client Case: From Financial Chaos to Strategic Management

Klebrig is a hypermarket of chemical products that repackages and sells chemical goods. They operate their own production of products for household and food industry use and deal with a large product catalog, regular procurement, and constant logistics costs.

Before implementing Finmap, their financial management was limited to Excel sheets. The accountant handled taxes, but the owner didn’t trust the overall financial picture.

It was only after the founder, Andriy, stepped out of daily operations and started tracking money himself that he discovered serious gaps:
cash flow problems, no control over operating and working capital expenses, and inaccurate P&L analysis.

‍There were days when the money simply wasn’t there — but I knew it was supposed to come in.
Managing money and actually seeing the big picture are two different things. - Andriy Femyak, founder of Klebrig

At first, they used Finmap just to track money and centralize all financial sources in one system.
But once Andriy explored it further, he realized that Finmap is a comprehensive financial management tool showing the full picture:
income, expenses, working capital, and liabilities.

Initially, Finmap was just a payment tracker. But over time, it became an analytical system — helping us assess profitability, plan investments, and avoid financial mistakes. - Andriy Femyak, founder of Klebrig

The company built its financial system around three core components:

• P&L reporting — to assess profitability monthly and identify unprofitable areas
• Cash flow forecasting — to plan working capital and see when actual funds would be available
• Expense control — to structure costs across operations, procurement, and growth

As a result, financial decisions in the company are no longer made at random.

Financial decisions are no longer based on guesswork. The business sees not just what has happened — but what’s coming next:
When the money will arrive, whether it’s enough for raw materials, and if there’s a reserve for investments.

That allowed Klebrig not only to stabilize finances — but to shift toward strategic financial management.

A word of advice from Andriy to other entrepreneurs:

‍Before you invest in anything, clearly separate what counts as operational expenses and what counts as working capital.
Calculate full cost — including logistics, packaging, and fees. Without that, no investment will bring you profit.

Finmap: Financial Control for Retail and E-commerce

This isn’t just a convenient tool — it’s a mission-critical foundation for your business’s stability, growth, and profitability. Finmap:

• Brings together all income and expense sources into one system
• Automates financial management
• Shows profitability by product, sales channel, and business direction
• Helps forecast cash gaps
• Tracks business and product seasonality
• Controls receivables and payables
• Gives you the complete financial picture for confident decision-making

Finmap is your foundation for real profits and scalable growth.‍

With Finmap, you don’t have to guess where your money is — you know.

Launch your financial system today — and start earning, not just selling.

‍

Financial chaos? Forget it!

Finmap gives you control and order.

Try it — 7 days for free.

Try for free

no card required

‍

Frequently Asked Questions about Financial Management in Retail and E-commerce

1. We already have a CRM. Why do we need Finmap too?
A CRM manages orders — not your money. It doesn’t account for actual expenses, show cash gaps, or provide P&L reports.
Finmap answers the core question: Is your business profitable, not just selling?

2. We use Excel for everything. Isn’t that also financial management?
Not really. Excel means manual work, constant errors, and outdated info.
Finmap automates it all, syncs with your banks, and gives you real-time financial visibility — not “after-the-fact” reconciliations.

3. We’re a small business. Do we really need a system like this?
Small businesses often suffer the most from cash gaps and poor spending decisions.
Finmap isn’t about company size — it’s about control. Start small so you can grow with confidence.

4. We’re already profitable. Why add another system?
Profit without transparency is luck, not strategy.
Without control over cash flow, margins, and obligations, you can’t scale safely.
Even profitable businesses can burn out from one cash gap if they’re not planning ahead.

5. Can Finmap show which products and channels are profitable?
Absolutely. You’ll see profitability by product, channel, or marketplace — so you can double down on what works and cut what drains resources.

6. I’m not a finance expert. Will I even understand it?
Finmap isn’t made for accountants — it’s made for business owners.
Clean dashboards, clear reports, no jargon.
Your financial picture is just a few clicks away — so you can make smart decisions without getting buried in spreadsheets.

As part of a new investment round, Finmap has secured a strategic partnership with the UK venture capital fund 1991 Ventures. The company raised funding within a deal totaling over $1 million. The fund specializes in early-stage investments with a focus on supporting businesses from Eastern Europe.

1991 Ventures helps innovative companies scale internationally, offering not only capital but also strategic support in market expansion and product development.

An investment from such a reputable partner is a powerful signal of trust from the market — reinforcing Finmap’s position as a leading financial management platform for small and medium-sized businesses. It validates the product, the team, and the strategic vision as meeting the highest global standards.

Why Did 1991 Ventures Invest in Finmap?

Finmap is a user-friendly online platform for financial management that has already helped over 4,000 companies bring clarity to their finances.

Entrepreneurs from more than 100 industries choose Finmap not only for its intuitive interface and powerful features but also for its high level of data security. The platform complies with international safety standards used by leading global companies and banks. All data is transmitted and stored on secure servers in Europe using 256-bit encryption — one of the most robust encryption methods in the world.

Finmap is a leader among financial management tools for small and medium-sized businesses in Ukraine.

The platform integrates with over 2,800 banks and financial services worldwide, supports more than 35 fiat currencies and over 80 cryptocurrencies. In addition, Finmap’s team of experienced financial experts is ready to assist with financial management, mentorship, and the development of custom financial models for businesses.

70% of businesses fail due to financial issues. Not because of the idea, not because of the lack of demand — but due to lack of control over their finances.

That’s exactly the problem Finmap solves.

We invest when we see both strong product potential and a team with the strategic vision and operational discipline to scale effectively. Finmap is a prime example — a technology startup tackling a clear, large-scale business challenge that demonstrates not only product-market fit, but also the traction and maturity needed for global growth.
— a representative of 1991 Ventures on why they invested in Finmap.

The investors also highlighted:

• Consistent traction across Ukraine, the European Union, and Latin America — clear proof of Finmap’s ability to operate globally.
• ‍A strong team that continuously improves the product.
• A strategic vision — Finmap is more than just a financial management tool. It’s a platform that brings clarity to business finances and supports well-informed decision-making.
  
• A systematic approach to entering new markets and rolling out new features.
  

This is more than just a deal — it’s a strategic partnership that creates new growth opportunities for Finmap and its users.

We believe that Finmap is already synonymous with effective financial management for entrepreneurs who value growth with confidence and control.

What Does This Mean for Finmap Users?

The investment from 1991 Ventures opens up new opportunities that will directly enhance the experience of our users:

1. AI-Driven Analytics: More Confidence in the Future

We're introducing AI-powered analytical tools that will:

• Forecast cash flow based on historical data and seasonality.
  
• Identify potential cash gaps before they become a problem.
  
• Highlight which expenses to optimize and which projects drive the most profit.
  

What this means for users: Faster strategic decisions — powered by real-time business data and automated insights.

2. Faster Market Expansion with Deep Localization

We’re expanding our localization efforts to include:

• Support for local currencies, banks, and payment systems (e.g. Brazil, Turkey, Portugal, Asia).
  
• Region-specific pricing plans.
  
• Local payment methods and language options.
  

What this means for users: Finmap adapts to any market — so you can scale without barriers.

3. Enhanced Mobile Experience

We’re improving the Finmap mobile app with:

• A redesigned UX for faster onboarding and more intuitive navigation.
  
• Improved app stability in regions with technical limitations (e.g. Latin America).
  
• Timely notifications about key events and updates.
  

What this means for users: Effortless financial control — anytime, anywhere.

4. More Powerful Analytics and Reporting

We’re upgrading reports with:

• Advanced filters, category breakdowns, and account grouping.
  
• The ability to set base currencies for multi-currency businesses.
  

What this means for users: A deeper understanding of your business finances, even with complex structures.

5. Integrations with Banks, Payment Systems, and CRMs

We’re enabling tighter integration with:

• Banks for faster transaction tracking and reduced manual input.
  
• Crypto wallets.
  
• CRMs — to connect financial and customer data in one place.
  

What this means for users: Less manual work, fewer errors — and more time to grow your business.

Financial chaos?
Forget it!

Finmap gives you control and order.

Try it — 7 days for free.

Try for free

no card required

​

In Summary, Finmap Users Will Get:

• Global reach — local banks, languages, and currencies.
  
• Routine automation — financial tracking that runs on autopilot.
  
• Powerful reporting — get clear answers to your financial questions.
  
• Reliable mobile app — control your finances on the go.

AI analytics, automation, localization, flexible reporting, and integrations — this isn’t just a set of features. It’s a complete system for financial management that replaces chaos with clarity and control.

• You’ll see exactly where your business is losing money.
• You’ll predict cash gaps before they happen.
• You’ll know which costs fuel growth — and which ones drain resources.
• You’ll get a full financial picture — all in one place, with no noise.

Finmap is the only financial management tool your business needs.

Forget the chaos and uncertainty — Finmap gives you complete clarity and control, in any currency, on any market.

Fast decisions, accurate forecasts, automated routine — so you can focus on growth, not paperwork.

This isn’t just financial tracking.
It’s your most powerful tool for scaling and profitability.

We’re working hard to make Finmap the global financial standard for entrepreneurs.
Support from a strategic partner like 1991 Ventures is proof that our product and team are ready for the next big leap.

Ready to take control of your finances?  Book a free consultation with our expert and get demo access to see firsthand how Finmap can work for your business.

Money disappears unnoticed — in deadlines, in revisions, in “portfolio” projects. And without a financial system in place, it’s hard even to know where.

This case is about an architecture studio that refused to work blindly, implemented financial management, and within a year achieved +173% in revenue and +286% in net margin. For more than six years, Finmap has been helping the team make data-driven decisions.

Not myth, not luck — but systematic work with finances.

Time to check: do your projects actually make profit, or do they just look good?

Bogdanova Bureau — Architecture, Design & Creative Solutions

Bogdanova Bureau doesn’t just create architectural designs — it builds holistic living spaces around the client. Their focus is on private and commercial properties, interior design, product design, and art direction.

The team guides each client from idea to realization with confidence and attention to detail. For founder Olha Bogdanova, creating a space should be an exciting adventure, not a source of stress.

How Finance Became Part of the Architectural Process

In 2018, after splitting off from a large architecture firm and starting her own business with a small team, Olga decided to take control of all processes into her own hands.

Right from the start, she decided that finances must operate as precisely as technical drawings.

In her previous company, they’d already used Finmap for financial management — but a dedicated accountant handled it. That experience proved to Olga that the program really works, so the choice was obvious.

She signed up for a trial period, learned the workflows, and then engaged a Finmap financial consultant. Olga knew that for management to serve as a strategic tool — not just a formality — she needed outside expertise and a professional point of view.

From her own experience, Olga understood that:

• Without financial management, even the most interesting projects can “eat up” profit.
• Creative freedom really means financial confidence.
• Making decisions blindfolded isn’t a strategy.

On short-term projects, it’s easy to allocate finances. On long-running ones it’s much harder: you have to track hours, reconcile balances and cash flows, and constantly log small expenses. - Olga Bogdanova, founder of Bogdanova Bureau

When Basic Financial Management Isn’t Enough

By then, Olga had plenty of business experience — the chaotic “all incoming money is our profit” phase was long behind her.

Many people don’t like finance, but it’s fundamental. It’s vital to keep an eye on it. If you don’t learn to love finance, finance won’t love you. - Olga Bogdanova, founder of Bogdanova Bureau

She clearly saw: if you want to scale, you must bring order to your finances — and not just implement management, but use the numbers as a decision-making tool.

She faced concrete tasks:

1. Calculate project cost. “Sometimes a project seems to go perfectly — especially if you have a great relationship with the client. But when you look at the numbers, it’s disappointing,” Olga says. She needed to know exactly where and why the business was losing profit so she could act in time.
2. Systematize expenses.
   Identify unnecessary costs, recurring payments, and optimization opportunities — to reallocate resources and spend smarter.
3. Implement proper managerial management. Not just logging cash movements, but to:
   • dive deep into Finmap’s capabilities;
   • configure the system for her specific needs;
   • test hypotheses and see results in numbers;
   • have an expert advisor on financial matters.
     ‍

A New Level: Why Every Business Needs Its Own Financial Expert

Olga began using the program herself — uploading data, setting up integrations, exploring the analytics. But once she saw what insights Finmap could deliver, new questions emerged. She needed to dig deeper.

That’s when she decided to bring in a Finmap financial expert.

This wasn’t a “formal upgrade” — it was a logical step, perfectly aligned with the studio’s growth pace.

Once we started working with an expert, that became the real turning point and the beginning of our friendship with finance. Finmap alone is great. But when you have someone who helps you make sense of it all and systematize everything, you save money. - Olga Bogdanova, founder of Bogdanova Bureau

From day one of that collaboration, Olga could:

• delegate routine tasks (data entry, reconciliations, categorization);
• focus on strategy — analysis, ideas, decisions;
• get answers to “what if I do this — how do we account for it?”;
• discuss hypotheses with a specialist who’s seen finances across many businesses and brings fresh ideas and approaches.
  ‍

Which Financial Solutions Work at Bogdanova Bureau

Financial management at Bogdanova Bureau quickly grew from a mere control tool into part of strategic management. Each new measure responds directly to business needs. Every result is clearly measured in numbers.

1. Hourly Model: Clear Mathematics, Not Guesswork

To price orders fairly and ensure precise payment for work done, they decided to break projects down into tasks and hours. This approach lets them react swiftly when a client requests extra revisions — they already know how much time it will take and what it will cost.

2. Each Client as a Separate Project in Finmap

For a project-based business, this is a must-have: in Finmap, every client is set up as its own project. All income and expenses are recorded separately, and the analytics provide a full picture of profitability, ROI, and financial outcomes.

3. Funds System: Financial Flexibility and Stability

When the studio switched to remote work, they temporarily stopped spending on the office. To prevent those savings from “dissolving” into ongoing costs, they decided to channel them into an internal fund.

That created the first financial reserve — and later they added several targeted funds:‍

• ‍Rent Fund – allowed stress-free leasing of the perfect office when the team returned onsite.‍
• Contingency Fund – automatically sets aside 2% of every receipt for errors or emergencies.‍
• Development Fund – investments in training, professional trips, and new opportunities.‍
• Marketing Fund – ensures a systematic approach to promotion and new client acquisition.

Thanks to this, the team isn’t at the mercy of circumstances — they build their own reserves, control fund allocation, and make decisions from a position of stability, not stress.‍

4. Analytics & Experiments: Data-Driven Decisions

New ideas at Bogdanova Bureau aren’t rolled out at random — each is tested as a distinct financial experiment. This lets them evaluate not only the creative value but also the economic feasibility of every initiative.

5. Tracking Even the Smallest Expenses‍

Recurring service fees, subscriptions, and software costs often stay “invisible” to the business. Individually they seem minor, but over a year they add up.

$7 per month becomes $90 per year. And it’s not just one tool. In Finmap this is tracked brilliantly — you see exactly where your budget goes. -
Olga Bogdanova, founder of Bogdanova Bureau

Finmap lets you plan your budget with precision and avoid hidden cash leaks.

How Finance Became a Source of Strength, Not Stress

Thanks to Finmap, the Bogdanova Bureau team began to manage money strategically: counting, planning, forecasting.‍

• ‍Systematic financial management. Finance at Bogdanova Bureau is no longer a standalone function but part of the company’s mindset. All cash flows, revenues, expenses, and projects are structured and under control.

For me, Finmap isn’t about forecasts; it’s about analysis. When you see the results in front of you, when you see where you shouldn’t spend more and where we’re losing.
- Olga Bogdanova, Founder, Bogdanova Bureau

• ‍Financial modeling and analytics. Olga builds financial models, analyzes profitability, and makes decisions based on data rather than gut feeling.‍
• Financial funds – reserve, development, marketing. Thanks to the fund system at Bogdanova Bureau, financial confidence emerged: money doesn’t just sit idle; it works toward specific goals.‍
• Clear economics of every project. Costs are calculated, prices justified, profitability measured. No more situations where one project’s losses are covered by another’s income.

Previously, we often operated at the expense of loans from other projects, dragging projects into the red. Proper financial management helps us see all this, save, and generate income where we didn’t even expect it. - Olga Bogdanova, Founder, Bogdanova Bureau

• ‍Profit and dividends – without harming the business. Olga knows exactly when and how much can be withdrawn from the company without creating cash gaps or undermining operations.‍
• Personal growth of the founder. With the support of a financial manager and continuous learning, Olga has grown significantly in financial competence — and now makes decisions from an expert standpoint.

Over this time I’ve grown tremendously in financial management because the financial manager helped me set everything up correctly and systematize everything.
- Olga Bogdanova, Founder, Bogdanova Bureau

An outsourced financier

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Financial Resilience and Expansion to the International Market with Finmap

Financial management isn’t just about spreadsheets — it’s about decisiveness, system, and confidence, even when everything around you changes.

Systematic Approach That Delivered +173% Income

After deploying Finmap and a comprehensive finance system that covered every project, expense line, and forecast, Bogdanova Bureau achieved remarkable results.

The team analyzed profitability across divisions, dropped low-margin projects, and focused on those that truly generate income.

This not only boosted revenue by 173% but tripled net margin.

Now we can see profitability before a project even kicks off. We make proactive decisions based on calculation, not intuition. - Olga Bogdanova, founder of Bogdanova Bureau

A Safety Cushion That Withstood the Toughest Crisis

The onset of full-scale war paused the entire economy. But thanks to pre-built reserve funds and flexible management, the company adapted by:

• optimizing expenses;
• reshaping the team;
• reallocating budgets;
• keeping projects in progress.

Bogdanova Bureau stayed afloat not by chance but by design. Their financial cushion bought them the time and space for measured decisions at the hardest moment.

A Bold Entry onto the Global Stage

The crisis became both a challenge and a catalyst. Leveraging analytics, forecasts, and clarity about their strengths, Bogdanova Bureau stepped onto the international arena.

Today they boast successful projects outside Ukraine, stable work with foreign clients, and a steadily strengthening position in a competitive new market.

Our focus now is fewer projects but bigger, more complex, and more profitable ones — backed by financial control that holds firm even in crisis. -
Olga Bogdanova, founder of Bogdanova Bureau

Changes Begin with Decisions

Olga journeyed from chaos to a clear system — and she did it not by hiring a large finance team, but by using the right tool, expert support, and recognizing the value of financial management.
Finmap became not just an management service but a true financial partner in growth.

You can too:

• systematize your financial management,
• uncover real profit and leak points,
• stop making decisions based on gut feel.

And most importantly — don’t face it alone.

Want to bring the same order to your business finances? Submit your request, and our expert will show you how to tailor it exactly to your processes.

In business, there’s no such thing as a perfect moment for change. But there are the right decisions — and they’re what separates those who grow from those who stay stuck.

Want this year to be a real breakthrough for your business? Then don’t wait for the perfect moment — act now.

This article gives you 5 proven steps to bring order, increase efficiency, and make a leap forward — without burnout or chaos.

1. Lay a Solid Foundation for a New Strategy

Before setting new goals, analyze what worked before. What parts of the previous plan were successfully implemented? What results actually impacted your business? And where were the losses, mistakes, or just illusions?

To do this properly — summarize the year: financially, operationally, strategically. We’ve put together a step-by-step guide on how to prepare and analyze reports — with examples and a detailed video.

Next step — involve your team. Run a brainstorming session: let everyone share their vision, problems, and ideas. This isn’t just “gathering opinions” — it’s a chance to see the business from different angles and get your people engaged in the shared result.

Don’t hold back on creativity — sometimes an unconventional idea becomes a breakthrough. The outcome will be an updated business plan based on data and your team’s real experience.

2. Free Your Business from Routine — Automate Processes

Daily repetitive tasks drain not just time, but energy. As a result, your team works on the edge while strategic goals keep getting postponed. Sound familiar?

Automation helps you regain control. What used to take hours can now be handled in a few clicks — or without your involvement at all. For example:

• Do clients often ask the same questions? Set up an AI bot.
• Struggling with complex payment and expense tracking? Enable automatic imports and reporting.
• Sending the same invoices every month? Turn on auto-generated invoicing.

Repetitive tasks are the first thing to delegate to a system.
This not only saves you time, but reduces the risk of errors. Most importantly, it creates space for business growth.

3. Make Marketing an Asset, Not an Expense

What worked a year ago might not deliver results today. Marketing changes faster than you can update your banners. That’s why it’s essential not to get stuck in the past — test new approaches, experiment, and stay alert.

Here are a few directions worth considering right now:

1. ‍AI in Action
   Chatbots? Sure. But not just that. AI helps write content, tailor ads to user behavior, and even predict what will work. The sooner you adopt it — the bigger your advantage.‍
2. Interactivity is the New Standard
   Simple videos aren’t enough anymore. Engage your customer: quizzes, polls, calculators, gamification. This isn’t entertainment — it’s experience-driven selling.‍
3. Being Honest = Being Strong
   Brands that speak about their values attract people. Supporting volunteers, planting trees, helping the Armed Forces? Don’t stay silent. Just make sure your actions are real — not for show.‍
4. User-Generated Content (UGC)
   Photos with your product, social media stories, honest reviews — these signals are stronger than any marketing slogan. Create the conditions for people to want to share their experience.‍
5. Brand Voice = Your Advantage
   Tone, language, and style of communication are part of your competitive edge. If your brand sounds sincere and human — it’ll be remembered.‍
6. Micro-Influencers + Local Thought Leaders
   You don’t always need to go after big names. Local bloggers and micro-influencers have deeper engagement with their audience. Work with those who truly earn trust in your niche or region — you’ll be surprised by the results.

Don’t chase every trend — pick the ones that work for your business. But whatever you do, don’t ignore change. Marketing that doesn’t evolve quickly becomes just another sunk cost.

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Financial chaos? Forget it!

Finmap gives you control and order.

Try it — 7 days for free.

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4. Expand Your Service Line Strategically

Adding new products or services is one of the most effective ways to scale a business. If done at the right time and with market needs in mind, it brings several benefits:

1. Attracting new clients — a broader offer opens doors to a new audience.
2. Increasing the average check — existing clients buy more when they have options.
3. Boosting loyalty — when your business grows alongside the client and offers them new value, it builds trust.
4. Gaining a competitive edge — you stand out not just with price, but with a comprehensive approach.
5. Diversifying risk — less reliance on a single revenue stream = greater stability.

But expansion only makes sense if it’s thoughtful.
Start with analysis: which needs remain unmet? Is there demand? What’s the potential margin?

Write out a strategy: who the service is for, how it fits into the business model, what team and resources it requires. Only then — move to implementation.
Strategic scaling is not about quantity of services but the quality of decisions behind them.

5. Money Doesn’t Like Guesswork — Implement Systematic Financial Management

A business can’t grow sustainably without transparent accounting. If you’re still making financial decisions by instinct or just checking your account balance — that’s not management, that’s guessing. And in the long run, it’s always risky.

Regular financial management helps identify weaknesses, avoid cash gaps, and make informed leadership decisions. Here’s how to start:

Step 1. Master the Basics of Managerial Accounting

Even if you have a bookkeeper or CFO, as a business owner you must understand the basics. This is crucial for strategic control:

• how managerial accounting is structured;
• what P&L, Cash Flow, and Balance Sheet are — and how to analyze them;
• how the cash method differs from accrual — and which is relevant for your business;
• how to plan expenses and revenue for the next month or quarter.

A common mistake is trying to manage finances manually in Excel. Formula errors, lack of a single responsible person, loss of data — all this leads to inaccuracies and losses.

Step 2. Automate Financial Processes

To save time, prevent errors, and get timely, accurate financial data — automate your accounting.

Finmap allows you to integrate bank accounts, so all incoming and outgoing transactions are synced automatically. But automation doesn’t stop there.

The next level is automatic processing rules (autorules):
The system analyzes transaction comments and categorizes them by project, counterparty, direction, and so on.
This in turn generates up-to-date reports automatically — available to you anytime, anywhere.

Finmap AI Copilot: Smart Financial Management Support

At the final link of this automation chain is Finmap AI Copilot — an AI tool that not only shows numbers but turns them into decisions.

Finmap AI Copilot automatically generates a detailed report based on your financial data. In it, you get:

• key metrics in a convenient format;
• warnings about potential risks: from reduced profitability to cash gap danger;
• personalized recommendations: how to optimize expenses, improve cash flow, or adjust your financial model.

It’s your personal financial analyst that never takes a day off — and works based on your actual business data, not assumptions.

Step 3. Plan, Don’t Just Record

Your account balance isn’t your profit — and without factoring in upcoming obligations, it can give a false sense of stability.

To see the full picture — financial planning is essential.

This is where Finmap’s Payment Calendar helps — a tool that shifts your finances from reaction mode to proactive management.

Thanks to the payment calendar, you’ll be able to:

• forecast upcoming expenses and income;
• anticipate cash gaps in advance;
• build reserves for critical costs;
• understand how much you can realistically invest or withdraw;
• plan profit based on data, not just gut feeling;
• finally stop living “from transaction to transaction.”

The calendar bridges the gap between current balances and future obligations — giving you real control over your finances.

‍Efficiency isn’t a one-time leap — it’s systematic work on yourself, your team, and your processes.
The 5 steps you’ve just read can change your business’s financial resilience. But to turn these changes into reality — you need a tool that lets you manage your finances without chaos.

Finmap is managerial accounting, automation, planning, and AI analytics — all in one solution.
Start now — take control of your finances. Because that’s where stability and growth begin.

Do you want to start a business or double your growth? You probably have a hundred questions swirling in your head: how much money do you really need? When will you break even? And will you even break even at all? What if everything goes wrong — how much will you lose?

If you don't want your idea to drown in chaos, it needs structure and a clear financial justification.

A successful launch and scaling aren't about intuition. They're about a financial model that, even before launch, tells you: “yes,” “no,” or “not now.” Want to know how exactly? Let’s dive in.

What Is a Financial Model?

A financial model is a working tool that helps you forecast your future financial results based on key operational, marketing, and financial indicators.

This model allows you not just to “calculate expenses,” but to see the full picture: from revenue sources to cash flow, from margin to break-even point. And most importantly — it enables you to make informed decisions before you spend a single dollar.

Your Profit Model: Key Components

A financial model covers all key business processes in terms of numbers. Here are the main components:

• ‍Basic parameters‍

These are the data points the entire model is built on: prices, sales volumes, salaries, taxes, advertising costs, etc. If you change these numbers — the whole model changes.

• ‍Revenue forecast‍

This block shows where the money should come from: number of clients, conversion rate, average check, repeat purchases, and how revenue changes over time.

• ‍Operating expenses‍

A clear expense structure helps calculate cost price more accurately, identify reserves, and define the break-even point. The financial model takes into account:

- Fixed costs — do not change with increased or decreased volume (e.g. rent);

- Variable costs — depend on production or sales volume (e.g. packaging, delivery);

- Direct costs — directly linked to production or service delivery;

- Indirect costs — support the business indirectly (administrative costs, marketing).

• ‍Investments and depreciation‍

If the business buys something “serious” (equipment, machinery, large projects), these expenses are recorded separately and depreciated gradually.

• ‍Taxes‍

Calculation of tax obligations depending on the taxation model, profit, and type of activity.

• ‍Cash flow‍

The real money coming into and going out of the business. Even if you’re profitable — it doesn’t mean there’s money in your account. This block shows whether there’s enough cash to cover everything needed.

• ‍Balance sheet‍

Assets, debts, inventory, capital — everything the business owns at a given moment. It provides insight into the company’s financial stability.

• ‍Profit and loss statement‍

Shows how much the company earned (or lost) over a period. This is the main report for evaluating performance.

• ‍Financial indicators‍

Break-even point, EBITDA, margins, liquidity ratios — everything that helps assess business efficiency.

Together, this isn’t just a “spreadsheet of numbers,” but a model that allows you to test ideas, see the consequences of decisions, and confidently plan the future.

‍

An outsourced financier

will help you set up effective financial management and make informed management decisions

Order a free consultation

‹

›

‍

Real Reasons to Have a Financial Model Before You Launch

A financial model is not just a “file for investors.” It’s your working tool for strategic thinking and real control over your situation. Here’s what it gives you:

• ‍Strategic vision
  The model helps you see not only where you are now, but also where you're headed. It helps anticipate potential threats, identify growth points, and adjust your course before it’s too late.‍
• Risk forecasting
  With the model, you can evaluate multiple development scenarios: what happens if sales drop by 20%, whether there’s enough working capital during tough months, and how to respond to price changes.‍
• Efficiency and optimization
  The financial model helps identify where costs can be reduced, which areas offer the highest profitability, and how to allocate resources more effectively.‍
• Competitive advantage
  While competitors act blindly, you make decisions based on data. This gives you a tangible edge in speed, flexibility, and accuracy.‍
• Connection between all processes
  The financial model shows how every decision affects the business as a whole: how price changes affect revenue, revenue affects taxes, and taxes impact cash flow. It reveals interconnections that are hard to track intuitively.

A Financial Model Isn’t Theory — It’s a Tool That Works in Practice

But how exactly does it help you make decisions, avoid mistakes, and plan a profitable launch?

To see it in action, it's worth looking at real examples. One such case is the EMMER company, which launched a new physical product to the U.S. market via Kickstarter.
It was a complex project involving international logistics, marketing, manufacturing, taxes, and influencer partnerships.

The financial model helped the entrepreneur:

1. assess the realism of the fundraising goal;
2. build several scenarios (optimistic, pessimistic, break-even);
3. identify risks before the campaign even began;
4. gather the data needed to make confident decisions.

Read the full Emmer case here → How Finmap creates financial models that ensure a successful launch

But this is just one scenario. A financial model allows for much more:

• Test hypotheses — for example, whether it makes sense to raise prices or launch additional services;
• Understand key impact points — which metrics affect profit the most and what actions truly make a difference;
• Avoid cash gaps — see when funds will fall short and adjust your plan in advance;
• Set realistic goals — instead of “I want a million,” understand how many clients and resources are truly needed to reach it;
• Calculate launch scenarios for a new direction or business — optimistic, realistic, and pessimistic, accounting for risks and resources;
• Determine if current resources are enough to achieve the goal — without relying solely on intuition;
• Accurately calculate how much you need to earn to recoup your investment — and whether it’s achievable at all;
• Evaluate whether your model allows you to earn as much as you want — before launching or scaling.

More real-life cases can be found in the carousel below.

Strong Model = Strong Decision

A financial model is not just a section in a business plan — it’s your key tool for growth, decision-making, and maintaining control over your finances.

It gives you not just forecasts, but confidence in where you’re heading — and what to do if things go off track.

But building a solid model is more than just filling out an Excel sheet. It requires expertise, realistic assumptions, and experience working with different scenarios.

That’s why at Finmap, we help entrepreneurs:

• build a financial model tailored to their actual business — not just a “template”;
• calculate key scenarios, including risks and the break-even point;
• identify bottlenecks and growth opportunities;
• create a clear picture for themselves, partners, or investors.

Book a consultation with a Finmap expert — and we’ll create a financial model that works for you, not just for reporting.

Start managing your business by the numbers — not by guesswork!

Business is driven not only by numbers, but by the right decisions.
Getting a financial report is not the finish line.

The real challenge starts when you need to understand what those numbers actually mean for your business.

Cash flow increased this month? Is that really a good sign — or just an illusion of profitability hiding unpaid obligations or one-time income?

Keeping Up with Change — or Losing Everything: How AI is Transforming Financial Management

Today, technology doesn’t just store and structure your financial data — it helps you use it wisely.

Artificial intelligence can do in minutes what used to take hours of analysis and brainstorming: detect anomalies, uncover the true reasons behind financial shifts, and identify weak spots.

Imagine getting instant answers instead of spending hours crunching numbers:

• Why is profit down this month despite higher sales?
• Which client brings in the most money (and are they truly profitable)?
• Which department is draining the budget without delivering results?
• Will the company have enough cash for the next 3 months without additional funding?

This isn’t fiction — these are real scenarios Finmap AI Copilot handles daily.

If you’re tired of staring at numbers and still not getting answers — now’s the time to bring AI into your business.

Finmap AI Copilot: A New Era of Financial Management in Finmap

A new tool from Finmap, powered by OpenAI API. It’s a smart financial assistant that analyzes your reports, highlights key insights, and recommends solutions.

Designed for small and medium-sized businesses to:

• Quickly interpret financial metrics;
• See a clear picture of cash flow;
• Make decisions based on facts, not guesses.

Unlike basic chatbots, Finmap AI Copilot is a fully autonomous analyst that processes reports independently and delivers not just general advice—but specific, personalized analysis.

Security First: How We Protect Your Data

Finmap AI Copilot was built with strict data protection in mind. We use the OpenAI API in a way that ensures your financial data stays private. What does that mean?

1. Your data is not used to train AI models. We don’t give OpenAI permission to store or analyze your reports beyond the current task.
2. Every request is handled individually. Once the answer is delivered, the data is deleted—no memory is retained between sessions.
3. Your data is never shared with others or added to a “common database.”

In short: each time Finmap AI Copilot analyzes your report, it’s only for you, only now, and leaves no trace afterward.

Finmap AI Copilot — The Algorithm That Knows Your Finances Better Than You Do

Currently, Finmap AI Copilot structures its report in four main sections:

1. General financial health overview: assessing the business’s condition and highlighting risks;
2. Revenue and expense analysis: what drives profit and what drains resources;
3. Benchmarking: showing how you stack up against market averages;
4. Conclusions and recommendations: helping you move from analysis to action.

Based on your actual data, Finmap AI Copilot:

• Breaks down your cash flow: explains balance changes and what influenced transactions;
• Tracks profitability trends by month, category, and client;
• Identifies inefficient spending: recurring payments that don’t pay off;
• Highlights which products or services generate the most income—and which need reevaluation;
• Assesses risks and issues warnings;
• Advises on product mix and structure;
• Performs advanced P&L analysis automatically;
• Suggests concrete actions: what to cut, where to optimize, how to balance cash;
• Generates a top 10 actions list to improve financial performance.

‍

Financial chaos? Forget it!

Finmap gives you control and order.

Try it — 7 days for free.

Try for free

no card required

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Can Your Business Keep Up with the Competition? Find Out in Just 2 Clicks

Finmap AI Copilot doesn’t just analyze your data — it benchmarks it against the market average. This gives you the context to:

1. Know whether you’re on the right track;
2. See where and why you lag behind competitors;
3. Understand whether market trends are affecting everyone—or just you.

For a small or medium business owner, it’s like having your own financial analytics team — but without the extra costs.

The Value of Finmap AI Copilot for Your Business

A structured solution that helps business owners react quickly, make informed decisions, and focus on strategy. Here's what you actually get:

Finance Automation in Action
Saves time and effort by auto-generating reports, highlighting what matters, and explaining the essence.

Works as a 24/7 Financial Assistant
Always available — no days off, no emotions, no human error. Ask a question, get an answer.

Brings Confidence to Decisions
Instead of guessing “Am I doing the right thing?”, you get facts, analysis, and actionable insights — right now.

Keeps You Focused on What Matters
Instead of drowning in reports, Finmap AI Copilot highlights critical issues so you can focus on solutions.

Breaks the Illusion of Profitability
Things may look good — but that might be deceiving. Finmap AI Copilot reveals the true picture.

Brings Order to Small Business Finances
Helps structure data, connect spending and income patterns across time — and build stability, not just survival.

New Features Just Around the Corner

Finmap AI Copilot is already up and running — and constantly evolving. In fact, while you're reading this, new features may already be live, such as the ability to ask questions via text or voice, for example:

• Why did profit drop in July?
• Which expenses increased in Q2?
• Will I have enough cash for payroll through the end of the month?

It’s not just convenient — it’s the next level of financial management for small businesses. And savvy entrepreneurs are already using it.

Time to Act

Finmap AI Copilot isn’t just a feature — it’s a strategic advantage.
Where analytics and cash flow tracking once took time, energy, and experience, now all you need is your financial data — Finmap AI Copilot does the rest.

Already using Finmap? Test Finmap AI Copilot today.
New user? Sign up, add at least one quarter of data — and see it in action.

Business won’t wait. Start now!