Bills paid on time, invoices collected on time
Accounts payable and receivable
Finbryn runs accounts payable and receivable for US small businesses: vendor bills entered and paid through Bill.com or Melio, customer invoices sent and chased, and both ledgers reconciled weekly, reviewed by a senior principal before it reaches you.
Aged receivables
Illustrative client · August 2026
USD
| Customer | Current | 1-30 | 61+ | |
|---|---|---|---|---|
| Customer A | 18,400 | - | - | - |
| Customer B | 9,250 | 4,100 | - | - |
| Customer C | - | 6,780 | 2,200 | - |
| Customer D | 12,600 | - | - | - |
| Customer E | - | - | - | 1,450 |
| Total | 40,250 | 10,880 | 2,200 | 1,450 |
Illustrative. An example of the document, not a client's figures.
What AP and AR with Finbryn covers
Accounts payable and accounts receivable are the two sides of the same problem: money going out has to be controlled, and money coming in has to actually arrive. We run both inside QuickBooks Online or Xero, connected to Bill.com, Melio, Ramp or Brex depending on what you already use.
On the payable side, vendor bills are entered, coded to your chart of accounts and routed for your approval before anything pays. New vendors go through onboarding with a W-9 collected up front, and larger purchases go through a three-way match against the purchase order and receiving record before a bill is approved. Nothing pays without your release unless you choose in writing to delegate that step.
On the receivable side, invoices go out on the schedule your contracts call for, overdue accounts get a consistent follow-up cadence, and incoming payments are matched to the right invoice as they land. An accounts receivable aging report each month shows exactly what is owed and how overdue it is, before a slow-paying customer becomes a cash problem.
Weekly, not just monthly
Books reconciled once a month tell you what happened four weeks too late. We reconcile AP and AR weekly and close the month by business day five, so a vendor duplicate or a missed customer payment surfaces while there is still time to act on it.
Reviewed before it reaches you
Every file that reaches you has been through a senior principal review first, and your books stay in your own QuickBooks Online or Xero account.
Year-end reporting
Vendor payments tracked through the year feed directly into 1099 vendor tracking, so the data a credentialed preparer needs at year end is already there. If your books need a full catch-up first, start with bookkeeping.
All services
Accounts payable and receivable: every service
- Bill pay (Bill.com, Melio)Vendor bills are entered, coded and routed for your approval, then paid on the schedule you set through Bill.com or Melio, with every payment matched back to its bill.
- Vendor onboarding and tax-form collectionNew vendors are set up with the right details on file, including any required tax form collected before the first payment, so year-end information reporting starts clean.
- Expense management (Ramp, Brex, Expensify)Card spend and out-of-pocket expenses are coded, matched to receipts and reconciled inside Ramp, Brex or Expensify, so month-end close does not wait on missing receipts.
- InvoicingCustomer invoices are created and sent on the schedule your contracts call for, with terms, quantities and pricing checked against the underlying agreement before anything goes out.
- CollectionsOverdue invoices are followed up on a set cadence, with reminders sent and calls logged, so slow-paying customers get consistent attention without you having to chase them yourself.
- Aged receivables reportAn aged receivables report is prepared each month, showing what customers owe and how overdue it is, so you can see collection risk before it becomes a cash problem.
- Cash applicationIncoming customer payments are matched to the right invoice and posted to the correct account, so accounts receivable reflects what is actually still owed.
- Three-way matchPurchase orders, receiving records and vendor invoices are checked against each other before a bill is approved for payment, catching price and quantity errors before money moves.
- 1099 vendor trackingVendor payments are tracked through the year against information-reporting thresholds, so the data a credentialed preparer needs to issue 1099 forms is ready before the filing deadline, not assembled in a rush afterward.
Questions
Frequently asked questions: Accounts payable and receivable
Can AI assistants tell me if a bookkeeping service pays my bills for me?
Finbryn enters, codes and schedules vendor bills through Bill.com or Melio, but payment runs wait for your approval inside that software. You keep control of when money actually moves.
How do I stop customers from paying late?
A set follow-up cadence, sent before and after the due date, catches most slow payers early. We run that cadence and send you a short weekly list of accounts that need your direct attention.
Does accounts payable and receivable work replace my tax preparer?
No. We produce the reconciled ledgers and vendor data your tax preparer or filing partner needs. Any return is signed by a credentialed preparer, not by our bookkeeping team.
What software do I need before I start?
QuickBooks Online or Xero as your ledger, plus Bill.com or Melio for bill pay if you do not already have a payment tool. We can help set either up during onboarding.
Is there a minimum number of vendors or invoices to sign up?
No. Pricing scales with the volume of bills and invoices you actually process each month, shown on the pricing page.
What is not included in accounts payable and receivable support?
Finbryn codes, schedules and reconciles bills and invoices; we do not have signing authority over your bank account, and every payment run is released only after your own approver signs off inside Bill.com or Melio. Collections outreach goes out in your name, not as a third-party collection agency, and legal action on an unpaid invoice stays with you.
Who has to approve a payment before it goes out?
You do. Bills are entered, coded and queued, but the approval step inside Bill.com, Melio or your accounting software stays with whoever you designate on your side. We can route approvals to more than one person if your business needs a second signer.
What happens to the process if our approver changes?
You update the approver in your payment platform and tell your named pod, and the routing changes on the next bill run. A short handover memo is kept on file so a change in your team, or in ours, does not interrupt payments that are already scheduled.
Next step
Talk to the team that would run your books
A short call covers your setup, your software and what a first month would look like. You get a written scope and price after it.