New · AI finance assistant built in

Stay Solvent.
Set up the finance side
of your business.

Solvent asks what kind of business you run, switches on the tools you need, and keeps the rest out of the way. Invoices, costs, manual or API-based bank import, reconciliation, tax reminders, accountant handoff, planning and AI help. From £39/mo.

No revenue share Manual or automated bank data Cancel any time
Solvent June 2026
MRR
£1,770
+8.6% MoM
Cash runway
14 mo
£92,400 on hand
Recent invoices
SLV-2026-0001Paid£48,000
SLV-2026-0002Due£30,000
Solvent AI: Your MRR grew 8.6% — great. But your VAT rolling total is £64,200, only £25,800 from the £90k threshold. At this rate you'll cross it in 3 months.
VAT invoice ready
HMRC-compliant · §11
Connects with Xero QuickBooks Stripe GoCardless Wise Claude AI
Starting at £39/mo predictable plans · no revenue share · no income-based jump
Use cases

The same finance system,
shaped for different businesses.

Onboarding decides what you see first. A local operator should not start inside an investor dashboard. A subscription company should not have to bolt finance together later.

Serial startup founder

Maya is starting company number four.

She already has customers, contractors, and two legal entities, but no patience for rebuilding another finance spreadsheet. Solvent starts with invoices, costs, cash runway, tax reminders, and investor exports.

Active first: invoicing, costs, bank import, planner, AI narrative.
Later: consolidation, board pack, multi-company controls.
Local service business

Joe runs a private chef business.

He needs to invoice clients, keep supplier receipts, upload a bank statement when he does not want API access, and send a clean package to his accountant. He does not need MRR, investor planning, or subscription dashboards.

Active first: invoices out, invoices in, manual bank import, accountant handoff.
Greyed: planning, subscriptions, consolidation.
Consultant or lawyer

Nina sells advice, not admin time.

She has retainers, one-off projects, reimbursed costs, and clients who ask for paperwork at awkward moments. Solvent keeps client records, invoices, overdue amounts, and support documents together.

Active first: clients, invoices, receivables, documents, accountant export.
Later: planning and AI summaries for larger clients.
Trader or reseller

Alex buys, sells, and moves fast.

Supplier bills, customer invoices, card payments, shipping, duties, and cash movement pile up quickly. Solvent gives him a daily view of what was sold, what was bought, what was paid, and what still needs proof.

Active first: purchase costs, sales invoices, bank reconciliation, margin checks.
Later: multi-currency and tax exposure review.
Subscription or SaaS operator

Priya has recurring revenue.

Her billing platform collects payments, but she still needs tax invoices, reconciled payouts, MRR/ARR, churn, runway, and a finance layer her product team can trust. Solvent can become the automated CFO behind the subscription business.

Active first: subscription billing sync, MRR/ARR, reconciliation, planning.
Advanced: Embedded widgets, state API, webhooks.
Accountant or admin helper

Laura helps local companies get organized.

Her clients are not ready for a finance department, but they need invoices, receipts, bank records, reminders, and a better way to talk to their accountant. Solvent gives her a repeatable setup playbook.

Active first: client setup, module selection, accountant export, reminders.
Later: practice workspace and client portfolio tools.
The real problem

Most startups don't die from a bad product. They die from running out of cash — without seeing it coming.

A full-time CFO costs £150k-250k/year. A fractional one runs £3,000-12,000/mo. Most small companies end up in spreadsheets — and miss the VAT threshold, the cash-flow cliff, or the accountant question they weren't ready for.

60–80%
lower cost vs a fractional CFO
£3,000-12,000/mo
monthly cost of a human fractional CFO
£39
where Solvent starts — the automated half, done for you
Powered by Claude AI

Your numbers, explained in plain English.

Every screen in Solvent has a built-in AI chat console. Ask it anything — "Why is my cash going down?", "Am I about to hit the VAT threshold?", "What should I put in my investor deck?" — and get a straight, actionable answer.

Context-aware — the AI reads your live data, not a generic FAQ
Explains every UK VAT, CT, and compliance decision in plain English
Helps you build investor narrative from your real financial data
Flags risks before they become problems — VAT creep, cash cliff, overdue invoices
Solvent AI assistant
Powered by Claude · context-aware
Am I about to hit the VAT threshold?
Your rolling 12-month taxable turnover is £64,200 — £25,800 below the £90,000 VAT registration threshold.

At your current run-rate (£7,800/mo), you'll cross it in approximately 3 months. That's sooner than most founders expect, because it's a rolling test — not a tax-year test.

I'd recommend speaking to an accountant before you hit £85,000, so you can register on time and avoid a penalty.
What's the penalty if I miss it?
HMRC can charge a surcharge of 5–15% of the net VAT you should have collected — applied retrospectively from the date you should have registered. I've set a reminder in your compliance calendar for when you hit £80,000.
Ask about your finances…
What's included

Everything a finance team does.
Automated, not outsourced.

The full back-office stack — from your first invoice to your Series A deck.

UK VAT invoicing

Sequential numbers, tax point, supply period, VAT by rate in GBP, reverse-charge notes. Auto-issued monthly. 100% HMRC-compliant.

Subscription billing

Five pricing models — flat, per-seat, usage, tiered, annual. Coupon codes. Automatic monthly batch charging with charge-first, invoice-as-receipt logic.

Bank reconciliation

Import XML or PDF statements from your bank, Stripe, or Wise. Auto-match. Combine open items for batch payments. Client and supplier ledgers.

Investor-ready planner

3-year model with growth %, frequency, and signed-contract matching. Swap projections for real actuals when deals close. Export to Excel in one click.

VAT & tax tracker

Rolling 12-month VAT threshold monitor, corporation tax estimator, reverse-charge purchase tracker, OSS B2C compliance, director ID reminders.

Costs & accounting feed

Multi-level cost categories. Attach contracts and docs per supplier. Export to Xero, QuickBooks, or Sage. Keep it current — accounting export always ready.

Live projections

Show investors numbers they can trust.

Pull real MRR and real costs. Slide the growth rate. Get an instant 3-year model — then export to Excel for your next board meeting.

Monthly or 3-year view, toggle in one click
Mark a row "Signed" to replace projections with real contract actuals
Growth %, frequency, start/end per line — including negative growth
AI explains what the numbers mean and what to say to investors
Net projection · Year view +8% MoM
Line Month 1 Month 12
Total income£17,000£38,400
Total costs(10,400)(10,400)
Net profit£6,600£28,000
Data-feed contract (£5,000/mo) marked Signed — real actuals, not assumptions.
Pricing

Honest, predictable pricing.

No revenue share. No income-based price rise because your business does well. Upgrade only when you choose more capability, companies, users, or heavier automation.

Fractional CFO costs £3,000-12,000/mo — Solvent Essentials starts at £39
Essentials
£39/mo
or £390/year - 2 months free
Start free
Up to 10 clients
UK VAT invoicing
Manual bank import + reconciliation
AI assistant (50 queries/mo)
VAT threshold tracker
Most popular
Growth
£99/mo
or £990/year - 2 months free
Start free
Everything in Essentials
Unlimited clients
Business planner + Excel export
API-based bank import where supported
AI assistant (unlimited)
Multi-currency (EU + international)
Scale
£249/mo
or £2,490/year - 2 months free
Start free
Everything in Growth
Multi-entity / subsidiaries
Custom governing-logic rules
Accountant + team access
Priority support + onboarding

All plans: 30-day free trial · cancel any time · prices excl. VAT/sales tax · predictable monthly plans in GBP, not a percentage of your income

Accountants & CSPs
Run a virtual-CFO practice across borders.

One workspace, every client as its own entity, the right rules applied automatically. Pricing is tailored to your client count — get in touch and we'll size it together.

Enquire about practice pricing →

Common questions

Ask the AI assistant for anything more specific — it knows your data.

Is this a replacement for my accountant?
No — and we're upfront about that. Solvent automates the day-to-day: invoicing, reconciliation, bookkeeping, and routine VAT tracking. Your accountant handles the judgement calls — structuring, filing, audits, and the cross-border decisions. Small teams usually need less accountant cleanup once Solvent keeps the books organized.
Is the VAT and tax advice reliable?
The VAT tracker and thresholds are based on current HMRC rules (£90k register / £88k deregister). The AI assistant draws on those rules and your live data to give contextual guidance. All outputs are marked advisory — we strongly recommend confirming material decisions with a qualified UK accountant, especially for EU/international scenarios.
Does it actually generate HMRC-compliant invoices?
Yes. Every invoice includes: sequential invoice number, invoice date, tax point (time of supply), issuer name/address/VAT registration number, customer details, per-line description/quantity/unit price (excl. VAT)/VAT rate, net total, VAT broken out by rate in GBP, gross total, and a reverse-charge note where applicable. All required under the UK VAT Act 1994 §11.
What does the AI assistant actually do?
Every screen has a contextual AI chat console powered by Claude. It reads your live financial data and answers questions like "Why is my cash going down?", "Am I about to hit the VAT threshold?", "Which clients are driving most of my MRR?", and "What should I tell investors about this projection?" It's not a generic chatbot — it knows your numbers.
Can I use this if I have EU or international clients?
Yes. VAT treatment is set per client — UK standard/reduced/zero or EU reverse charge (Art. 196). For B2C digital sales to EU consumers, Solvent tracks your OSS obligation and flags when you need to register. International clients (outside EU) are set to outside-scope. All VAT decisions are recorded in a versioned Governing Logic document you control.
How is this different from Xero or QuickBooks?
Xero and QuickBooks are bookkeeping tools — they record what happened. Solvent is forward-looking: subscription billing, automatic invoice issuing, live cash projections, a business planner for investors, and an AI assistant that tells you what to do next. We also connect to Xero and QuickBooks for your accountant's workflow.

Ready to stay solvent?

30 days free. No credit card. The AI assistant turns on from day one — ask it anything.

Start free for 30 days → See all features

Starting at £39/mo after trial · cancel any time