Financial optimization
Fruxal reviews and reconciles every transaction across your bank, card and processor statements, supplier invoices and payroll. We identify the cash to collect in accounts receivable, the overpayments and credits to claim in accounts payable, and the penalties and credit balances to resolve with the tax authorities. Once your bank or QuickBooks is connected, transactions are reviewed daily.
One bank statement or aging report is enough to start. Read-only bank connection, QuickBooks in one click. Done remotely.
Invoice F-88011 paid by check on April 15, then by company card on April 18
Invoice F-2291, due April 2, still open
Every amount ties to a specific transaction in your own statements. No industry averages, no revenue-based estimates, no unsupported figures.
Before release, a second, separate check tests each finding against refunds, credit notes, recurring charges and deposits. Unresolved items are flagged for confirmation.
Submit the statements you already have, or connect a read-only bank feed and QuickBooks. We never hold your banking credentials.
The work runs from documents you send and calls on your schedule. No site visit, and nothing installed on your systems.
Why it matters
A duplicate disbursement sits as a credit on the supplier's ledger until it is claimed. A receivable over 90 days ties up working capital until it is collected. A penalty stays on the tax account until its cancellation is requested. Reconciling every transaction, every month, requires capacity most finance teams do not have. We provide it.
3
areas: accounts receivable, accounts payable, tax
100%
of transactions reconciled, no sampling
monthly
a dated report, with daily transaction monitoring once connected
The first review covers the period you submit. Once connected, each following month is reviewed automatically.
No amount is quoted before your statements are read. We report only what the documents support, and every figure is fully documented.
Scaling the business? See how the monthly review frees up working capital.
What we do for growing businessesWhat we review
Accounts receivable, accounts payable and tax. Each finding is sourced, explained and paired with the action to take.
Every client over 60 and 90 days, invoice by invoice, with days outstanding. Unapplied payments and credit notes are netted first, so no payment reminder goes out on cash already received. Each account comes with a notice, ready to send.
What we read
Accounts receivable aging, bank statements, or QuickBooks
An invoice paid through the books and again on the company card. The same invoice paid twice under a new number. One supplier set up under two vendor records. Balances past terms, and early-payment discounts not taken. Each supplier comes with a credit note request.
What we read
Supplier invoices, accounts payable aging, payroll, card, bank and processor statements, or QuickBooks
Penalties and interest assessed on your notices, with the cancellation request prepared. Balances owing, and credit balances held by the authority and never claimed. Filings remain with your CPA. We make sure every item on the notice is resolved.
What we read
Notices and statements of account from the IRS and your state
A monthly report, dated and locked when issued. Each finding states what was found, its supporting documents, the verification result, the steps to take and the letter to send. Documents are filed in one place, and every event is recorded in a history log.
What you receive
Monthly report, one letter per client or supplier, history log
Process
Every day
Once your bank or QuickBooks is connected.
Your bank and QuickBooks transactions are read every morning, card deposits and supplier payments included.
Card deposits that stop, a charge taken twice, a bank or late fee, a price increase on a recurring charge.
Payroll tax deposit and filing dates, checked against the payments in your account.
Each exception is emailed the same morning, with what to check and what to do.
Every month
Your statements for the period, submitted or pulled automatically.
Every transaction of the period reconciled against your statements and invoices. No sampling.
A second, separate check tests each finding against related entries: a refund, a credit note, a recurring charge. What it cannot resolve is flagged for confirmation.
Dated and locked when issued: what was found, what was collected, what remains open.
Each finding comes with its steps and a letter ready to send, then a follow-up after 14 days if nothing comes in.
You can start with a single document: a bank statement, an aging report or an IRS or state tax notice.
Who it is for
Full reconciliation of a client's month is the work no engagement budget covers. We take it on and deliver documented findings. Filings, financial statements and advice stay with you. We do not keep books and we do not file.
Discuss a client fileScope
Your bookkeeper or accountant maintains the ledger. We review what it produces.
Tax returns and financial statements remain with your CPA. We review the IRS and state tax notices that follow.
Payment reminders and credit note requests are drafted for you to send under your own name.
Our part is the review: every transaction, every month, with supporting documents retained so any figure we report can be verified.
Bank, card and processor statements, supplier invoices, payroll registers, receivable and payable aging reports, and any notice from the IRS or your state. Or connect a read-only bank feed and QuickBooks. One statement is enough to start.
It flags a bill entered twice within its own ledger. It cannot see an invoice paid through the books and again on the company card, a client payment received but never applied, or a penalty on a notice it never receives.
Each one is fully documented, and a second, separate check has already tested it against the surrounding entries. Anything it cannot resolve is flagged for confirmation, with the question to ask. One actionable finding is worth more than ten unsupported ones.
No. Statements are enough. For daily monitoring, connect a read-only bank feed: we never see or store your banking credentials, and we cannot move funds.
No. Your CPA maintains the books, the financial statements and the filings. We reconcile every transaction of the month and report what the documents support, fully documented.
$0.10 USD per entry reviewed and verified, billed monthly. No subscription and no share of what you collect. Any other fee, such as building features for you, is set only in a signed agreement. A month under $50 USD carries over to the next. The first call is free. The company page has the details.
In the United States. The application, the database and uploaded files are hosted by Vercel, Supabase and Amazon Web Services on US infrastructure. The data-handling page lists every provider, what it does and where it processes.
Contact
Submit a bank statement, an aging report or your latest IRS or state tax notice, and we reconcile every transaction. Prefer to talk first? Thirty minutes, and you leave with the scope of review and the deliverables.
Rather write first? contact@fruxal.ca