We built the system we wish we had from day one.

LedgerFlow exists because small-business operators should not have to choose between paying accountants for simple day-to-day visibility or doing spreadsheet gymnastics themselves.

Our Story

LedgerFlow started in the back office of a small cafe in Sydney. Every month, the same ritual: export bank statements, copy-paste into a master spreadsheet, manually categorise hundreds of transactions, fix supplier name changes, try to remember what "SQ *RANDOM VENDOR" actually was.

We had an accountant for tax and BAS. But between lodgements, we were on our own. Simple questions like "How much did we spend on coffee beans this quarter?" or "Is our electricity bill trending up?" required an hour of spreadsheet archaeology.

We tried the "comprehensive" accounting tools. They wanted us to learn double-entry bookkeeping, reconcile everything twice, and rebuild our entire financial workflow. We tried the "automated" fintech apps. They connected to our bank (which we did not want) and still required constant manual fixes when suppliers changed names or moved addresses.

We just wanted a simple system that:

  • •Let us upload bank statements (not connect live accounts)
  • •Automatically categorised transactions intelligently
  • •Handled supplier changes gracefully
  • •Generated a clean P&L we could actually use

That system did not exist. So we built it.

The Problem We Saw Everywhere

Small businesses live in a weird financial gap. You are too small for a full-time CFO or bookkeeper. You are too busy to become a spreadsheet wizard. But you still need to answer basic financial questions every week.

Existing tools assume you either:

  • •Want to give live read/write access to your bank accounts (we do not)
  • •Want to learn full double-entry accounting (we do not)
  • •Have time for endless manual reconciliation (we do not)

What if there was a middle path? A tool that respected your control over bank access, did not require accounting expertise, and actually automated the boring parts intelligently?

That is LedgerFlow.

Our Mission

Give every small-business operator the financial visibility layer they deserve—without paying for high-touch accountant hours or learning enterprise accounting software.

We believe:

  • •Your bank statements are the source of truth. Everything else is just categorisation and reporting.
  • •Automation should handle the boring parts (parsing files, categorising transactions, tracking suppliers).
  • •You should stay in control (upload files when you want, review categories, override anything).
  • •Accountants are essential for tax and compliance—but you should not need to call them just to answer "How much did we spend on X last month?"

What Makes LedgerFlow Different

Bank-First, Not Bank-Connected

We never ask for live access to your bank accounts. You upload statements when you want. Your bank login stays private.

Built for Operators, Not Accountants

No accounting jargon. No double-entry bookkeeping. Just clear categories, clean P&Ls, and answers to your real business questions.

Supplier Continuity That Actually Works

When your coffee supplier moves or rebrands, LedgerFlow keeps your "Coffee Beans" category intact. No manual cleanup required.

AI That Learns Your Business

Start with sensible defaults. Override when needed. LedgerFlow learns your patterns and gets smarter with every upload.

Designed for Real Small Businesses

Not enterprise features you will never use. Just the essentials: categorisation, supplier tracking, P&L reporting, and insights.

Transparent, Fair Pricing

$9–$49/month based on transaction volume. No hidden fees. No forced annual contracts. Cancel anytime.

Our Philosophy: Bank-First Financial Visibility

We believe the bank is the source of truth. Not your accounting software. Not your spreadsheet. Not your CRM.

Every transaction that matters to your P&L shows up in your bank statement. Our job is not to replace your bank or your accountant. Our job is to sit on top of those statements and give you clarity:

  • •What did you spend?
  • •Where did it go?
  • •Is it trending up or down?
  • •What does your P&L look like right now?

No reconciliation required. No double-entry. No chart of accounts to configure. Just upload your statements, review the categories, and get answers.

What We Believe

1. Small businesses deserve better tools

You should not have to choose between enterprise accounting software (too complex) and basic budgeting apps (too simple). There is a better middle ground.

2. Automation should be intelligent, not intrusive

AI should handle the boring parts (categorisation, supplier tracking) while you stay in control. Override anything. Review everything. No black boxes.

3. Privacy and control matter

We will never ask for live bank access. We will never sell your data. We will never lock you in with proprietary formats. Your data is yours.

4. Simplicity scales

The best tools are the ones you actually use. LedgerFlow is designed to fit into your existing workflow—not replace it.

5. Accountants are partners, not competitors

We are not trying to replace your accountant. We are giving you the day-to-day visibility you need between tax lodgements and BAS filings.

Built in Sydney, for businesses everywhere

LedgerFlow started in Australia, but the problem is universal. Small-business operators everywhere are stuck between spreadsheets and expensive accountant hours. We are building the solution we always wanted—and we are building it in public.

Currently in private alpha. Rolling out gradually to ensure a smooth onboarding experience and refine the rule engine with real businesses.

Want to be part of the journey?

We are rolling out LedgerFlow gradually and working closely with early users to refine the product. If you are tired of spreadsheet-based financial management, we would love to hear from you.

Join the waitlist