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Finoya

Finoya is an AI CFO platform that helps businesses and advisors make financial decisions using connected accounting data.

Place
#21 of 29
Score
5.9
Finoya's website

What Finoya is

Finoya is an AI CFO platform that helps businesses and advisors make financial decisions using connected accounting data. It monitors cash flow, produces forecasts and scenarios, and turns financial information into guidance. Cash flow health scoring and forecasts use connected accounting data, while scenario planning lets users examine changes such as hiring, pricing, costs, or delays before acting. Its assistant, Noya, answers financial questions in plain English and offers next steps based on the business’s data. Finoya lists support for accounting platforms including QuickBooks, Xero, Sage, MYOB, FreshBooks, Zoho Books, Microsoft Dynamics, and Oracle NetSuite, among others. The company says accounting connections are read-only, data is encrypted and accessible only to authorized users, and Noya does not browse the internet or use third-party financial data. Intended users include business owners, startups, accountants, fractional CFOs, and advisors. The Business plan includes 12 months of history and weekly automatic sync. The accountants and fractional CFOs plan costs $39 a month per client, with the first five clients free for life. An Advisor plan lists self-hosted deployment as an optional add-on.

Good

  • Cash flow forecasts and health scoring use accounting data
  • Scenario planning covers hiring, pricing, costs, and delays
  • Noya answers questions using business financial data
  • Accounting connections use read-only access
  • Both listed plans include email and chat support

Watch out

  • Business plan includes only the last 12 months of history
  • Business plan syncs automatically weekly
  • Advisor self-hosted deployment is an optional add-on

Who it suits

Finoya is aimed at business owners and startups seeking cash-flow guidance, as well as accountants, fractional CFOs, and advisors working with clients. It may suit users whose accounting platform is among its listed connections.

Verdict

Finoya brings connected accounting data into cash-flow monitoring, forecasts, scenario planning, and AI guidance. Consider the Business plan’s history and sync limits, and confirm plan details that matter to your use.

Plans and prices

From Finoya's own pricing page, checked 7 Oct 2026.

All about pricing
PlanPriceWhat it gives you
Accountants and Fractional CFOs$39 a monthUnlimited AI usage · multi-client dashboard · monthly reports and weekly auto-sync per client · volume discounts for larger practices · per client / mo; first 5 clients free for life
Business Owners and Startups—Unlimited AI questions · weekly auto-sync · last 12 months history · email and chat support · Free for Life: Sign up before Oct 31, 2026; page also displays $49$0 / month

The facts

Each one read from Finoya's own pages, with the date it was checked.

What it does

Advisor privacy
The pricing page says advisors’ questions and analysis on a client account are private by default, and advisors control what they share.checked 7 Oct 2026
AI assistant
Noya answers financial questions in plain English and provides next steps based on the business’s financial data.checked 7 Oct 2026
AI data use
Noya uses connected accounting data, does not browse the internet, and does not use third-party financial data.checked 7 Oct 2026
Audience
Finoya identifies business owners, startups, accountants, fractional CFOs, and advisors as intended users.checked 7 Oct 2026
Cash flow
Finoya provides cash flow health scoring and forecasts based on connected accounting data.checked 7 Oct 2026
Connection access
Finoya says its accounting connections use read-only access, so it cannot change accounting records.checked 7 Oct 2026
Integrations
Finoya lists QuickBooks, Xero, Sage, MYOB, FreshBooks, Zoho Books, Clear Books, Microsoft Dynamics, Tally, Wave, Mekari Jurnal, Wafeq, Odoo, Oracle NetSuite, Qoyod, Kashflow, and FreeAgent as supported accounting platforms.checked 7 Oct 2026
Notable limit
The Business plan includes the last 12 months of history and weekly automatic sync.checked 7 Oct 2026
Optional deployment
The Advisor plan lists self-hosted deployment as an optional add-on.checked 7 Oct 2026
Product
Finoya is an AI CFO platform that helps businesses and advisors make financial decisions by monitoring cash flow, forecasts, and scenarios and turning financial data into guidance.checked 7 Oct 2026
Security
The company says data is encrypted, private, and accessible only to authorized users.checked 7 Oct 2026
Support
Both listed plans include email and chat support, and Finoya says it provides guided onboarding and help documentation.checked 7 Oct 2026

The company

Company background
The About page says Finoya was founded by a team of finance and technology professionals to address business cash-flow management challenges.checked 7 Oct 2026
Headquarters
Wilmington, Delaware, United Stateschecked 28 Sep 2026

Money

Scenario planning
Users can test decisions such as hiring, pricing, cost changes, and delays before committing.checked 7 Oct 2026

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