Financial Management (FinanceFlowAI)

Where it is: Home → Your apps → Financial Management (FinanceFlowAI) (at the top of the screen the module shows as Financial Management) Address: /app/modulos/financeflowai

What it is for

To organize the money of any business — and of your household too. You enter payables and receivables (one-off, in installments or repeating every month), mark when they were paid and see right away how much you have today, what is due in the next 7 days, what is overdue and whether you will run short of cash by the end of next month.

The first time, you tell us what kind of business you have — personal, sole trader (MEI), service provider, store, online store, clinic, doctor or independent professional, real estate agency or subscription business — and your finances start with the categories, accounts and P&L (the month's result: what is left after expenses) that fit your field.

Flávia, the finance specialist, chats next to the Overview: she answers with your own numbers, warns what is due and what will run short, and records bills and payments in the chat after your "yes".

Getting started

1. Open the Overview tab and choose your type of business. Tap Start.
2. In Accounts and categories, check the accounts (bank, cash, card, card terminal) and enter each one's opening balance — that is what makes the balance match your bank.
3. In Payables, enter fixed costs (rent, internet, salaries) with Every month; in Receivables, what your customers owe.
4. When you pay or receive, tap Pay or Receive on the bill's line. You can record just part of it, with interest, late fee, discount and fee.

The tabs

Overview

Today's balance (excluding credit cards), what is due to receive and to pay in the next 7 days, what is overdue, the month's result (what came in minus what went out) and where your cash is heading by the end of next month. Below, each account's balance and recent months side by side. Flávia sits next to it.

Receivables

The installments your customers owe, with a filter (open, overdue, received, all) and search. + Receivable opens the form: description, customer, amount, category (suggested from what you already entered for that name), due date, installments or every month, account and payment method. On each line: Receive, Undo the last payment, Write off (when it will not be received), Cancel, Reopen and Delete.

Payables

Same as Receivables, for the bills you pay: + Payable, Pay, Undo, Cancel, Reopen and Delete.

Bank statement

In your bank's app or website, export the statement as OFX (sometimes shown as "Money") and tap Upload statement (OFX), choosing which account it belongs to. Uploading the same file twice duplicates nothing. What fits is settled on its own: a line with the same amount as an open entry (up to 5 days apart) becomes its payment, and a line confirming a payment you had already marked by hand is only linked to it — nothing is counted twice.

The rest goes to To match, each line with a suggested entry (up to 7% difference in amount and 5 days in date, also looking at who paid). On the line: Match (if less came in, choose whether the difference was a fee or the customer partly paid; if more came in, the difference becomes interest), Pick another entry (you can tick several entries paid with a single transfer, as long as the total matches), New entry (creates the entry already paid, with the category suggested from history) or Dismiss with a reason — duplicate, reversal, transfer between your accounts (picking the other account records the transfer so balances match), not a business expense, or other. In Matched and Dismissed, Undo and Reopen bring the line back. Lines before the opening balance you entered, or inside the closed period, are dismissed on their own, with the reason written. Below the button, the balance your bank reported and the balance here, to compare.

Cash flow

Month by month: expected (each bill's amount in the month it is due) and actual (what really came in and went out, with interest, discounts and fees, in the month it was paid), with the result and the running total.

P&L

The period's result: revenue, taxes and deductions, costs, sales, administrative and staff expenses, financial items and what is left — on an accrual basis (the month the bill belongs to) or a cash basis (when money moved). Below, how much went to each category.

Accounts and categories

The accounts with each balance (and which one is the main account), transfer between accounts (not counted as income or expense), income and expense categories with each one's place in the P&L, and cost centers (unit, team, property or service location).

Settings

How bills get marked as paid: I confirm every payment (you or your team mark it on screen or tell Flávia) or Only by bank statement (a bill is only paid when the money shows up in the statement uploaded in the Bank statement tab — cash, in the Cash account, is still marked by hand; a paid SalesFlow invoice also waits for the statement). The "by receipt" option is shown as Coming soon. WhatsApp alerts: the weekly summary (every Monday at 9 a.m.: balance, what is due in 7 days and what is overdue) and the alert when money will not cover the next 7 days or the end of next month (at most one a week). They go to the WhatsApp and e-mail of the company's communication contacts; untick what you do not want and tap Save.

On WhatsApp: from the company's registered number, send AutoAgency's WhatsApp the expense or income ("paid the power bill, 230"), a photo of the slip, the invoice PDF or a voice note. Elisa prepares the entry, shows the summary and only saves it after your "yes". She also answers balance, payables, receivables and overdue bills. Closed period up to: nobody changes anything before that date. You can also switch your type of business there — that only adds categories, it never deletes yours.

Plans

Personal — individuals and sole traders (MEI). Business — every type of business.