Futureproof vs Finaloop
Six lanes, one fee. Nothing here is an add-on.
Finaloop is an ecommerce accounting service and platform with accounting experts behind it, sold as lanes you add to a quote. Futureproof is an AI finance team: six agents working one ledger that replaces your accounting software, with the close, receivables, payables, the cash plan, margin, and the diligence record in one monthly fee.
Three things worth checking before you renew.None of them is the accounting.
Finaloop does the accounting well, and says so on its own terms. What differs is how the rest of the finance function is packaged, and who does the work each night.
Lanes are priced one by one
Their pricing page lists inventory management, data analytics, fractional CFO, tax services, forecasting, and the data warehouse as add-ons priced separately. The finance function you want is assembled a line at a time.
Strategy is an introduction
Forecasting, scenario planning, fundraising, and merger work sit in a fractional CFO lane their site describes as an intro to an outside professional, and tax filing as an intro to an ecommerce CPA. Good people, separately engaged.
The entry plan has a ceiling
Starter is $245 a month for brands up to $1 million in annual gross revenue that have been in business four years or less. Past either line, the price is a quote after a call rather than a number you can read.
Nineteen jobs a growing brand needs covered.Some rows agree, and say so.
Both products keep real books on their own ledger. These rows describe each one in its own terms, and only claim a difference where there is one.
| Futureproof | Finaloop | |
|---|---|---|
| AI finance team that does the work | Six agents post the work; you approve it. | A dedicated accounting and finance team. |
| AI-powered bookkeeping | Bank and card lines coded and closed every night. | A platform with accounting experts behind it. |
| P&L and balance sheet | Profit and loss, balance sheet, and cash flow. | P&L, balance sheet and cash flow with monthly close. |
| Inventory tracking | Units on hand at what they cost to land. | InventoryIQ, with landed cost and FIFO COGS. |
| COGS tracking | Freight, duty, and broker fees allocated per unit. | COGS tracking per SKU and per channel. |
| Multi-channel support | Amazon, eBay, Shopify in beta, TikTok Shop coming soon. | Multichannel order tracking across stores. |
| Per-SKU profitability | A row per product, sortable on posted entries. | SKU level profitability. |
| Channel-level P&L | Contribution margin per channel from the ledger. | Channel level profitability. |
| Ad spend against channel margin | Spend by campaign, against the revenue it supported. | Marketing analytics, from ROAS to MER to CAC. |
| Cash flow projections | Thirteen weeks of cash, rebuilt from posted entries. | Cash flow management in the fractional CFO lane. |
| Scenario planning | Forecast versions you can duplicate and re-run. | Forecasting and scenario planning, as an add-on. |
| Exit-ready data room | A gated room, closed months, and who opened what. | Mergers and acquisitions as CFO advisory. |
| KPI dashboard | Margin, cash and aging surfaces off one ledger. | Live founder dashboards and industry benchmarks. |
| Human financial specialist | Included with every plan, at no extra cost. | A dedicated account manager on Full-Service. |
| Monthly financial review call | A monthly review call, included in the plan. | Included with Full-Service, quoted after a call. |
| Accounts payable and receivable | Remi chases, Theo schedules, you release payment. | Accounts payable and receivable management. |
| Tax filing | Closed books your CPA files from; no filing service. | Tax services as an add-on, via an intro to a CPA. |
| Accrual and cash basis reports | Either basis selected on the report you are reading. | Accrual or cash method flexibility. |
| Self-serve platform | Every surface open to you, from the first night. | Finaloop Platform, run by your own finance team. |
Finaloop statements checked 2026-09-20 on finaloop.com, including their pricing page.
Connect, migrate, run.No handover meeting required.
Coming off a service, the switch is the part you were expecting to be hard. It is a connection and a history import.
Connect your sources
Your channels, your bank accounts, your cards, and your ad platforms connect in one sitting, so sales, fees, supplier bills, and spend post to the same ledger.
Bring your history
Coming from QuickBooks, a one-click migration brings your history across. Other systems, including a service that exports your books, migrate over with file exports.
Let the agents run
From the first night the agents code the day, split the settlements, age what you are owed, and close. Your month end stops being a delivery date.
Four things that survive the switch.Including the people.
Replacing accounting software is not the same as replacing the professionals around your business.
- Your accountant
- Your CPA keeps filing and keeps the relationship. They read closed months on the same ledger and export them in the format they work in.
- Your bank and your cards
- Accounts stay where they are. Theo codes the supplier bills and schedules the payments against the cash that funds them, and you release them.
- Your closed history
- Books produced by your previous arrangement come across with the migration, so prior periods stay comparable rather than starting at zero.
- Your approvals
- Agents draft, schedule, and recommend, and bring exceptions forward. What is sent, paid, or shared is still decided by you.
What operators want settled first.Before the trial starts.
Finaloop keeps ecommerce books well, and sells inventory, analytics, forecasting, tax, and fractional CFO work as lanes priced separately on top. Futureproof is the whole AI finance team in one fee: Vic books, Margo forecasts, Remi and Theo run AR and AP, Hugo reports channel and SKU margin, and Nia keeps the exit record. The agents post the work each night and bring you exceptions to approve.
Finaloop is an accounting service and platform: a dedicated team on Full-Service, or your own finance team running their platform, with the other lanes quoted as add-ons. Futureproof is six AI agents covering bookkeeping, AR, AP, FP&A, channel analysis, and exit readiness in one monthly fee, working a single ledger that replaces your accounting software.
Yes. Amazon and eBay integrations connect directly, with Shopify in beta. Start a 14-day trial.
Yes, included. Every Futureproof plan (starting at $1,000/mo) includes a monthly review call with a human financial specialist on top of the six AI agents covering bookkeeping, AR, AP, FP&A, channel analysis, and exit readiness. The agents produce CPA-ready books daily; the specialist review is the human check on top, at no extra cost.
Finaloop publishes one price: Starter at $245/mo, for brands up to $1 million in annual gross revenue that have been in business four years or less. Above that, their site says you get a custom quote after a 30-minute call, and inventory, analytics, forecasting, tax, and fractional CFO work are priced separately as add-ons. Futureproof is starts at $1,000/mo for all six agents, with every lane and the monthly specialist review included.
Yes. Their site lists forecast and demand planning inside inventory management, and forecasting and scenario planning, cash flow management, fundraising, and merger work inside a fractional CFO lane, with forecasting and that lane both sold as add-ons and offered as an introduction to an outside professional. At Futureproof, Margo builds the thirteen-week cash plan inside the same fee as the close.
Cash-basis accounting records revenue when money hits your bank and expenses when they leave. That is fine for taxes, but it gives ecommerce operators and sellers a distorted picture of profitability, especially when you are pre-ordering inventory months before it sells, running promotions with delayed payouts, or dealing with refunds that span billing cycles. Accrual-basis bookkeeping matches revenue to the period it was earned and expenses to the period they were incurred, so your P&L actually reflects how your business is performing. Futureproof manages your books on an accrual basis for day-to-day operations and lets you read the same reports on a cash basis for tax work, so you get accurate operational visibility without maintaining two sets of books.
Filing stays with your CPA. Futureproof keeps the ledger and produces the closed months, the statements, and the exports a CPA files from, on either an accrual or a cash basis. Finaloop sells tax services as a separately priced add-on, delivered as an introduction to an ecommerce CPA. Either way the books are the deliverable, and yours are closed every night.
The whole finance function
Buy the close, and the five lanes around it.One ledger underneath all six.
Connect your channels, your bank, and your suppliers, and the books, the collections, the payments, the cash plan, and the margin all read the same entries.
Starting at $1,000/month for all six agents, with a monthly review call with a human financial specialist included. No per-seat fees, no modules.