Accounting for small business owners.
Your books, done every month.
You started a business, not a bookkeeping practice.
Most owners end up doing the books late at night or not at all, then scramble at tax time. Zeni's AI Accountant and our team of accountants keep the books current every month, on the platform that closes the books for 1,000+ companies.¹
Zeni connects your bank accounts, cards and payroll, sets up QuickBooks Online if you need it, and assigns you a dedicated finance team. You answer the occasional question; we do the rest.
Connect your accounts. Get closed books.
Zeni's AI and finance team do the bookkeeping. You run the business.
Connect your accounts
Bank accounts, cards and payroll, with QuickBooks Online set up if you need it.
Categorized as it lands
The AI Accountant categorizes each transaction and matches receipts.
Books closed for you
Your Zeni team reconciles every account and closes the month.
Know where you stand
Get financial statements and ask the AI CFO anything about the numbers.
An AI Accountant for the books.
An AI CFO for the answers.
The AI Accountant keeps your books current. The AI CFO explains them in plain English.
Bookkeeping, done for you
Every transaction categorized and every account reconciled, with a closed set of books each month.
Bills paid on time
Pay vendors and approve employee reimbursements in one place, with the coding already done.
Tax-ready all year
Clean books mean no year-end scramble, and Zeni's tax team can file your federal and state income taxes.
Cash you can see
Know your cash, profit and biggest expenses at a glance, and ask the AI CFO what changed.
What does accounting for a small business owner include?
Accounting for a small business owner covers bookkeeping, bank and card reconciliation, bill payment, monthly financial statements and tax filing. Zeni handles each of these with an AI Accountant and a dedicated finance team, so owners get accurate books without hiring an in-house accountant.
Every number comes with its reasoning.
Each AI suggestion shows why it was made and how confident it is, your Zeni team reviews the close, and nothing changes after a month is closed. If your lender or tax preparer asks a question, the answer is on the record.
AI CFO · answers from live booksAsk about your business like you'd ask a partner.
The AI CFO answers questions about cash, profit and spending from your live books, with a chart and the math shown,² so decisions about hiring, pricing or a new location start from real numbers.
Month-end, handled for you.
Thought process on every AI callEvery transaction categorized.
Each charge and deposit gets a category and vendor, with an explanation of how the AI decided.
Explore transactions →
Prepaid schedule drafted, waiting on your approvalSchedules handled.
Prepaid, equipment and accrual schedules are built for you and approved before they post.
Explore month-end close →
Receipt matched to its charge, on the recordReceipts collected.
Zeni flags charges missing a receipt; forward it by email and Zeni matches it.
Explore receipts →
AI CFO explains the spike: up 167% from SeptemberChanges explained.
See what moved month over month by vendor and category, with a summary of why.
Explore month-end close →
Found 3 statement transactions missing from the booksMatched to the bank.
Every account is reconciled to its statement, and anything missing is flagged.
Explore reconciliation →
Every close task has an owner, a due date and time trackedClose on schedule.
Every close task has an owner and a due date, so the books are done on time.
Explore month-end close →More of the business's money work, in one place.
Invoicing
Send invoices, track who owes you and send automatic reminders on overdue invoices.
Payroll management
Add payroll management and multi-state payroll compliance when you hire.
See payroll pricing →
Commenting
Ask an employee for a receipt right on the transaction and keep the answer on the record.
Explore commenting →What owners ask. What the AI CFO answers.
Built for owners who'd rather run the business.
Your team, plus an AI Accountant and AI CFOOwner-operators
Owners of service, retail and professional businesses doing their own books today.
- Monthly financial statements
- Tax-ready books all year
- Bills and reimbursements in one place
Growing small businesses
Businesses adding employees and locations that have outgrown a part-time bookkeeper.
- Reporting by class or project
- Payroll management support
- Room to add CFO guidance
Run your business. Leave the books to us.
See how Zeni would handle your books, from the first transaction to tax time.
Small business accounting FAQs.
- Zeni internal figures, October 2026, and customer results from Zeni's published case studies.
- AI CFO is in beta and can make mistakes; check anything important against the books.
