Built for CPG brands with product on retail shelves and a store of their own. Wholesale invoices are issued, aged, and applied as the payments land. Chargebacks come off in their own account rather than out of revenue. Direct and wholesale sit on one profit and loss statement, so the two sides of the business compare.
A brand that sells direct and wholesale carries two different money models, and the accounting underneath was built for one of them.
Setup is one sitting. Coming from QuickBooks, a one-click migration brings your history across, and other systems migrate over with file exports.
Remi owns the receivable: the invoice that goes out, the aging behind it, and the payment that is supposed to clear it.
Selling into retail changes the finance work in stages. These are the four where the work changes shape, and the agent who takes it.
| What changes | What Futureproof does | Who handles it | |
|---|---|---|---|
| The first wholesale order | Revenue splits into direct sales and wholesale. | Wholesale posts to its own revenue account beside direct and marketplace. | Vic |
| The invoice goes out | You are waiting on terms instead of a payout. | The invoice is issued, aged by account, and this week's reminders are drafted. | Remi |
| The remittance lands short | A payment arrives that does not clear the invoice. | The clean part is applied and the difference is flagged for review. | Remi |
| The channels diverge | Direct and wholesale stop earning at the same rate. | Each channel is costed to contribution, fees and ad spend included. | Hugo |
Selling into retail moves the hard questions from your own calendar onto somebody else's, and they arrive whether or not the books are current.
Which of my retail accounts are actually late?
Remi ages every open invoice by account and by how far past terms it is, and brings you the reminders already drafted for the accounts that have slipped. You approve before anything goes out.
Why is this payment smaller than the invoice?
The deposit is matched against the invoices it was meant to clear. What matches is applied on your approval, and the part that does not reconcile is flagged for review rather than written off into a rounding account.
Is wholesale earning more than direct, or just bigger?
Direct and wholesale are costed to contribution on the same statement, with marketplace fees, shipping, and ad spend taken off each side, so volume and margin stop being the same conversation.
Nothing here is a new habit to keep up. It is what is true on an ordinary Tuesday once your store, your retail invoices, and your bank post to one ledger.
All six agents come with every account. These three do the work a wholesale brand notices first.
Yes. Wholesale and business to business revenue posts to its own account beside direct and marketplace sales, so the two sides of the brand never have to be added up by hand. Remi issues the invoices, ages what is owed by account, and drafts the week's reminders for the accounts running past terms.
Inbound deposits are matched against your open invoices. Where the match is clear, the payment is applied once you approve it. Where a deposit does not clear the invoice it was meant to clear, it is flagged for review instead of being applied quietly, so a short payment reaches a person rather than disappearing into the aging.
Chargebacks are booked to their own cost account rather than netted out of revenue, and a reserve is carried against the chargebacks still to come and re-measured as sales move. Your revenue line stays what you sold, and what came back out is a figure you can look at on its own.
Yes. One profit and loss statement is built across every channel you sell through, reading down from net revenue through cost of goods sold to contribution margin. Marketplace fees, shipping, and ad spend come off each channel before anything is called margin, so volume and profitability stay separate questions.
Amazon and eBay connect directly. Shopify is in beta. TikTok Shop and Walmart are coming soon. Ad accounts connect alongside them, and your bank accounts and credit cards connect too, so spend and revenue land in the same ledger.
Your numbers, every morning
Connect your store, your marketplaces, your retail invoices, and your bank, and the two halves of the business stop being two spreadsheets.
Starting at $1,000/month for all six agents, with a monthly review call with a human financial specialist included. Larger or more complex brands are scoped on a call.
