Finoya is an AI CFO platform for fractional CFOs — it reads QuickBooks, Xero, and 20+ accounting systems, then layers AI analysis on top. TreasuryFlow connects directly to client bank accounts via Plaid, so the cash position reflects transactions the moment they clear — and it lands inside a native Excel Add-in, the workbook your clients’ boards already use. From $49/mo.
Both products are built for fractional CFOs running a client portfolio. The table states where each one differs — verified from each product’s public site, May 2026.
| Capability | TreasuryFlow | Finoya |
|---|---|---|
| Direct bank feeds via Plaid | Yes — 12,000+ US banks | No — reads accounting systems |
| Real-time cleared-cash position | Yes — reflects transactions as they clear | As current as the latest accounting entries |
| Native Microsoft Excel Add-in | Yes — live data in your workbook | No — web app |
| Google Sheets Add-on | Yes | No |
| Bring your own Excel template (workbook rebuild) | Yes — rebuilds your uploaded layout | No |
| QuickBooks integration | Bidirectional sync | Connector |
| Xero integration | Q3 2026 | Connector |
| Accounting-platform breadth | QuickBooks; Xero on roadmap | 20+ accounting systems |
| Multi-client portfolio consolidation | Yes — up to 20 reporting groups | Yes — portfolio dashboard |
| 13-week cash forecast | Yes — deterministic, with confidence bands | AI-generated forecast |
| Deterministic answers (same query, same number) | Yes — temperature 0.1, audit-grade | AI-led; output may vary |
| AI assistant / natural-language queries | Yes — treasury assistant | Yes — AI CFO assistant |
| Anomaly / runway alerts | Yes — payroll, AR, runway | Within dashboard |
| Daily morning digest email | Yes — 7am ET | In-app |
| Branded weekly client briefing | Yes | Dashboard share |
| Bank-grade encryption, read-only Plaid Production | Yes | N/A — no direct bank connection |
| Cloud infrastructure | Google Cloud (SOC 2 Type II) | Verify with vendor |
| Pricing model | $99/active client — billed for active clients only | ~$20/mo SMB; ~$15 per connection for accountants |
| Free trial | 14 days, no credit card | 7-day trial |
Finoya features and pricing last verified May 2026 from finoya.ai. Report an inaccuracy.
Both serve the multi-client fractional CFO. The deciding questions are where the cash data comes from and where it is delivered.
Both serve fractional CFOs managing a client portfolio. The difference is the data source and the delivery. Finoya is an AI CFO platform that connects QuickBooks, Xero, and 20+ accounting systems, then layers AI analysis on top. TreasuryFlow connects directly to client bank accounts via Plaid, so the cash position reflects transactions the moment they clear rather than waiting on accounting entries — and it delivers that position inside a native Microsoft Excel Add-in, not only a web dashboard.
Finoya’s public site describes one-click integrations across 20+ accounting platforms including QuickBooks and Xero. Its cash insight is built on accounting data. TreasuryFlow connects directly to bank accounts via Plaid across 12,000+ US institutions. If accounting entries are 24–48 hours behind, an accounting-based cash view is equally behind; a direct bank feed reflects cleared transactions in real time.
Finoya is delivered as a web application with an AI assistant and a consolidated portfolio dashboard. It does not offer a native Excel Add-in or Google Sheets Add-on. TreasuryFlow does — the Excel Add-in appears as a task pane inside your existing workbooks and refreshes live cash and the 13-week forecast in the cells of your own template, and it can rebuild a CFO’s uploaded workbook layout.
Finoya’s published pricing is around $20 per month for small businesses and about $15 per connection for accountants. TreasuryFlow’s Firm plan is $99 per active client per month. The two are priced on different models, and TreasuryFlow is the more premium product — it is positioned as an Excel-native treasury workstation with direct bank feeds, not a low-cost AI layer over accounting data. The per-client price reflects per-client value: a deterministic 13-week forecast and a branded weekly briefing each client’s board can act on.
Both are built for the multi-client book. Choose based on two questions: do you want the cash position from the bank directly or from accounting software, and do you want it inside Excel. TreasuryFlow pulls direct bank feeds via Plaid and delivers them into your Excel template. Finoya layers AI analysis over accounting data in a web dashboard. If your clients’ boards expect real-time bank-sourced numbers inside a spreadsheet, TreasuryFlow is the stronger fit.
Connect every client’s banks via Plaid. See each one’s live 13-week forecast inside your own Excel template. From $49/mo.
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