Spifex Business

One operating layer for business financial operations

Plan cash flow, connect banking, reconcile settlements, structure your ledger and report by project or department — with the roles and controls a finance team needs.

Free plan available. No credit card required.

Business FreeBusiness StarterBusiness Pro
Free plan, no card requiredTenant-isolated workspacesOAuth 2.1, read-only AI accessBuilt for multi-stream operations

What you can do

A clear operating model for the way you manage money

Every outcome below is backed by an implemented Spifex workflow, not a future roadmap item.

Plan and execute cash flow

Create planned entries, settle against bank accounts and keep outstanding balances current.

Connect banking and statements

Add bank accounts, import statements and reconcile movements with real evidence.

Attribute cost and ownership

Use projects, departments and entities to explain where money is planned and spent.

Structure the ledger

Maintain ledger accounts and posting structure so reporting stays consistent.

Control access by role

Use owner, admin and member roles with workspace-scoped permissions and lifecycle controls.

Report with KPI visibility

Review cash-flow, settlement and operational indicators from the same filtered data.

How it works

Start small. Add structure as you go.

1

Create your business workspace

Set the workspace country and currency and start on the Business Free plan.

2

Add your operating structure

Add accounts, categories, projects, departments, members and ledger accounts.

3

Operate with controls

Plan, settle, reconcile and report with role-based access controls.

Questions

Before you choose a plan

What is included in Business Free?
Business Free includes one workspace, 1,000 cash-flow entries per month, two bank accounts, one member, two projects, ten ledger accounts and two statement imports per month.
What changes on Starter and Pro?
Starter raises entry, bank, member, project, ledger and statement limits. Pro removes the core workflow limits and allows up to six owned workspaces.
Does Spifex replace my accounting software?
Spifex is the operating layer for cash flow, banking visibility, settlements, governance and reporting. It complements statutory accounting rather than replacing it.
Can I connect ChatGPT or Claude?
Yes. Business workspaces support read-only AI connections with OAuth and a cashflow:read scope.

Start free. Upgrade only when the operation needs more room.