Stop doing your P&L by hand.
Turn bank statements into clarity—instantly.
LedgerFlow automatically categorises transactions, keeps supplier continuity, builds your monthly P&L, and gives you instant financial insights—without paying for high-touch accountant hours.
No credit card required · Be first to access early pricing
Built for real small businesses, not corporate finance teams.
LedgerFlow is for you if:
You export CSVs from one or more bank accounts every month
You keep a "master spreadsheet" to track categories, suppliers, and totals
Your accountant files BAS and tax, but you still have to answer questions like:
- "How much did we spend on milk this quarter?"
- "Are staff meals getting out of hand?"
- "What did this new supplier actually cost us?"
If that sounds familiar, LedgerFlow is the system you wish you had from day one.
The reality of small-business finances
Most small businesses trust one thing above all: the bank account. But turning those raw bank lines into something you can actually reason with is painful.
Downloading CSVs from multiple banks every month
Manually tagging transactions into categories that only you understand
Remembering that Milk Supplier A and Milk Supplier B are both just "Milk"
Hunting through email to find invoices and due dates
Trying to recreate a P&L in Excel after a 12-hour day on the floor
You pay your accountant to keep you compliant.
You still have to keep yourself informed.
Before LedgerFlow vs. after LedgerFlow
From late-night spreadsheets to always-on clarity.
Before
- Bank exports scattered in downloads folders
- Spreadsheets with fragile formulas and ad-hoc categories
- Supplier switches breaking your ability to compare months
- No easy way to see what changed from last month
- Guessing where the money went before each BAS or tax meeting
After
- All bank transactions in one structured ledger
- Clean, consistent categories that match how you think about the business
- Supplier continuity: new vendors, same category history
- Instant monthly P&L and category breakdowns
- Clear, written insights explaining what changed and why
How LedgerFlow works
Upload your bank statements
Connect or upload CSV/OFX exports from your bank accounts. No credentials required—just the files you already download.
LedgerFlow cleans and categorises
We automatically normalise the data, detect suppliers, and apply smart categories tuned for small businesses and solo operators.
Rules that evolve with your business
When you correct a category once (e.g. "XYZ Milk Co → Milk"), LedgerFlow learns the rule, updates history where appropriate, and applies it going forward—keeping continuity even when suppliers change.
Instant P&L and insights
View monthly and quarterly P&L, category totals, recurring payments, and anomalies. Export summaries for your accountant in a few clicks.
See it in action
A glimpse of what's coming
Total Spend
Run Rate
Transactions
Recent Transactions
Last 7 days* Preview only. Final product may vary.
Powerful where it matters. Simple everywhere else.
Supplier Continuity Engine
When your suppliers change, your categories do not. LedgerFlow links new vendors to existing categories so your "Milk", "Cookies", or "Utilities" lines remain comparable across months and years.
Dynamic Rules That Learn From You
Fix a category once and LedgerFlow turns that into a rule. We handle misspellings, variant descriptions, and historical clean-up—so your ledger gets more accurate over time, not more fragile.
Multi-Bank Consolidation
Import from multiple bank accounts and see everything in one place. No more stitching together separate spreadsheets.
Instant P&L Builder
Generate clean, structured profit-and-loss views by month or quarter. Drill down from "Milk" to the exact suppliers and invoices that drove the total.
Recurring Payment & Invoice Awareness
LedgerFlow learns what is recurring, when it is due, and how it changes over time—so you can stop trawling email for "that insurance invoice" or "that equipment lease charge."
AI Financial Analyst Chat
Ask natural questions like "How much did we spend on staff meals last quarter?" or "Which costs increased the most month-on-month?" The AI sees your actual transactions and replies with specific numbers, trends, and explanations.
Built by small-business operators, not just software engineers
LedgerFlow was born from the frustration of running real small businesses and cafes while still spending hours each month in spreadsheets and bank exports. We still work with accountants for tax and compliance—LedgerFlow exists to handle everything in between:
- •day-to-day financial visibility
- •clean, consistent categorisation
- •timely answers to where did the money go
We believe the bank is the source of truth. LedgerFlow is the missing visibility layer on top.
Your data is secure
Your data is encrypted, and we never ask for your banking login details—only the statement files you choose to upload.
Be part of the first wave
We are rolling out LedgerFlow gradually to ensure a smooth onboarding experience and to refine the rule engine with real businesses.
Lock in early adopter pricing when we launch
Help shape features for your industry
Get hands-on support with your initial setup and data import
We will only email you about LedgerFlow. No spam, ever.