How FINO works
From setup to financial clarity – in one connected system.
FINO brings your accounting, operations and financial intelligence together, so your team can move from daily transactions to clear business decisions.
Onboarding flow
Start with FINO in four simple steps.
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01
Choose your plan
Choose Free, Accounting or Professional based on the capabilities your business needs.
View plans -
02
Create your company
Add your company details, currency, fiscal information and users.
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03
Configure workspace
Set up customers, vendors, accounts, taxes, products and opening balances.
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04
Start working
Create invoices, record bills, receive payments and manage your daily financial operations.
Enter it once. FINO carries it forward.
One transaction flows through the entire system
No duplicate entry, no reconciliation gaps. Enter your business activities once, and every dashboard updates instantly.
Operations matrix
Your daily work, connected.
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1
Quotation to Order
Draft customized quotations and quickly approve them into signed sales orders.
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2
Billing & e-Invoicing
Generate compliant e-invoices with dynamic GCC tax codes (VAT) in English & Arabic.
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3
Auto ledger integration
Books auto-balance as double-entry journals write straight to your general ledger.
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1
Vendor bills
Capture supplier invoices and match them to purchase orders in one place.
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2
Approvals
Route bills through the review path your company already uses.
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3
Posted to the ledger
Approved bills write the double-entry automatically — no re-typing.
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1
Connect accounts
Bring in statements from the banks you already use.
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2
Match payments
Matching rules pair cash with invoices, bills, and journals.
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3
Reconcile
Close the period when every line is explained — not when someone re-types a sheet.
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1
Capture receipts
Record staff and vendor expenses as they happen.
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2
Categorize
Map each line to the right account, tax, and cost center.
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3
Post once
Approved expenses hit the ledger and the report in the same moment.
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1
Receive stock
Goods receipts update quantities and warehouse positions.
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2
Track movement
Transfers, adjustments, and sales all share one stock record.
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3
Cost to COGS
Inventory cost posts through to the ledger when goods are sold.
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1
Employees
Keep people, contracts, and attendance in the same workspace.
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2
Run payroll
Calculate wages, deductions, and local filings from live records.
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3
Post wages
The payroll journal writes to the ledger when you approve the run.
Financial intelligence
Your numbers become something you can talk to.
FINO AI doesn't just read data — it understands the context of your business contracts, local tax laws, and cash cycles. Ask simple questions, receive instant strategic answers.
FINO decision cycles in action
- 1 Ask
- 2 Analyze
- 3 Recommend
- 4 Prepare
- 5 Approve
Workflow integrity
FINO helps. You stay in control.
FINO can prepare financial actions, draft transactions and optimize workflows. However, important actions remain subject to the appropriate review and approval workflow to ensure complete integrity and financial oversight.
Management view
Every transaction improves your business view.
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1
Transactions
Every sales invoice and POS receipt triggers immediate matching actions.
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2
Accounting
Double-entry ledger journals are drafted and balanced simultaneously.
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3
Reports
Financial statement logs and VAT accounts update natively.
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4
Dashboard
Real-time KPI matrices display actual status metrics instantly.
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5
AI Insights
Auditing engines scan patterns to compile automated cash forecasts.
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6
Management Decision
You receive the accurate reports you need to make key decisions with confidence.
Integrated platform
One platform. Multiple connected modules.
One company record shared across the entire platform. Real-time ledger updates mean no integration lag.
Built for your market
Arabic-first. English-ready. No switching needed.
FINO is built for bilingual markets from day one. All interfaces support full Arabic and English, with intelligent RTL layout and localized financial formatting.
English Mode
الوضع العربي
Enterprise security
Bank-level protection for every transaction.
Role-Based Access
Granular permissions for every team member and action.
Audit Trail
Every change tracked, timestamped, and attributable.
Data Encryption
AES-256 encryption at rest and TLS 1.3 in transit.
Compliance Ready
Built-in support for local tax regulations and reporting standards.
- SOC 2 Type II Certified
- GDPR & Local Privacy Compliant
- ISO 27001 Data Centers
Ready to turn your books into one system?
Join hundreds of modern companies across Riyadh, Doha & Dubai running their entire finance operation on FINO.
- SOC 2 Compliant
- 99.9% System Uptime
- QCB Registered