Finoya
Wilmington, Delaware, United States
What it is
Finoya is an AI CFO platform for businesses and advisors, using connected accounting data to monitor cash flow, build forecasts and scenarios, and offer financial guidance. Cash flow health scoring and forecasts draw on accounting connections, while scenario planning lets users examine choices such as hiring, pricing, cost changes, or delays before committing. Its assistant, Noya, answers financial questions in plain English and suggests next steps based on the business’s data. Listed accounting connections include QuickBooks, Xero, Sage, MYOB, FreshBooks, Zoho Books, Microsoft Dynamics, Oracle NetSuite, and others. Finoya says these 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. The Business plan includes the last 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. Intended users include business owners, startups, accountants, fractional CFOs, and advisors.
For and against
For
- Tests hiring, pricing, cost, and delay scenarios
- Connects with a range of accounting platforms
- Accounting connections use read-only access
- Both listed plans include email and chat support
Against
- The Business plan includes only 12 months of history
- The accountants' plan is priced per client
- Self-hosted deployment is an optional Advisor add-on
The verdict
Finoya turns connected accounting records into cash-flow views, forecasts, scenarios, and AI-assisted guidance. The Business plan has a 12-month history limit, and the listed accountants’ plan costs $39 a month per client.
Who it suits
Finoya is intended for business owners and startups seeking cash-flow forecasts and decision support, as well as accountants, fractional CFOs, and advisors working with clients. Advisors can keep questions and analysis private by default and control what they share.
Plans and prices
Accountants and Fractional CFOs
Unlimited AI usage · multi-client dashboard · monthly reports and weekly auto-sync per client · volume discounts for larger practices
Read 7 Oct 2026 · finoya.ai
Business Owners and Startups
Unlimited AI questions · weekly auto-sync · last 12 months history · email and chat support
Read 7 Oct 2026 · finoya.ai
On the record
- Advisor privacy
- The pricing page says advisors’ questions and analysis on a client account are private by default, and advisors control what they share.finoya.ai · read 7 Oct 2026
- AI assistant
- Noya answers financial questions in plain English and provides next steps based on the business’s financial data.finoya.ai · read 7 Oct 2026
- AI data use
- Noya uses connected accounting data, does not browse the internet, and does not use third-party financial data.finoya.ai · read 7 Oct 2026
- Audience
- Finoya identifies business owners, startups, accountants, fractional CFOs, and advisors as intended users.finoya.ai · read 7 Oct 2026
- Cash flow
- Finoya provides cash flow health scoring and forecasts based on connected accounting data.finoya.ai · read 7 Oct 2026
- Company background
- The About page says Finoya was founded by a team of finance and technology professionals to address business cash-flow management challenges.finoya.ai · read 7 Oct 2026
- Connection access
- Finoya says its accounting connections use read-only access, so it cannot change accounting records.finoya.ai · read 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.finoya.ai · read 7 Oct 2026
- Notable limit
- The Business plan includes the last 12 months of history and weekly automatic sync.finoya.ai · read 7 Oct 2026
- Optional deployment
- The Advisor plan lists self-hosted deployment as an optional add-on.finoya.ai · read 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.finoya.ai · read 7 Oct 2026
- Scenario planning
- Users can test decisions such as hiring, pricing, cost changes, and delays before committing.finoya.ai · read 7 Oct 2026
- Security
- The company says data is encrypted, private, and accessible only to authorized users.finoya.ai · read 7 Oct 2026
- Support
- Both listed plans include email and chat support, and Finoya says it provides guided onboarding and help documentation.finoya.ai · read 7 Oct 2026
