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Finato

Bookkeeping for fuel, convenience and liquor retail

Your business lives in six systems. Your books should live in one.

Finato collects what your POS, back office, fuel portal, petty cash ledger, vendor portals and bank feeds each know, and brings it together into one clear picture of how the business is really doing — with a real bookkeeper checking every entry.

Book a walkthrough How it works
  • POS
  • Back office
  • Fuel portal
  • Petty cash
  • Vendor portals
  • Bank feeds
Finato

September

Gross profit
61,143.14
Net income
9,822.43
Fuel per gallon
25.1¢
Merch. margin
25.3%

Fuel

The sign says $3.09. What does a gallon actually earn you?

Finato matches your fuel portal, delivery tickets, supplier invoices and pump sales every month, then shows profit per gallon by grade — and what’s left after the card processor takes its cut. A separate fuel analysis, every month, so fuel never hides a weak month inside.

Book a walkthrough See the fuel report

September · fuel

72,842 gallons

  • Unleaded24.7¢
  • Premium33.3¢
  • Diesel25.8¢

Margin per gallon

25.1¢

before card fees

After card fees

18.3¢

4,931.57 in fees

September · margin by category

from invoices

  • Beer & wine22.1%
  • Cigarettes15.6%
  • Other tobacco35.7%
  • Grocery & snacks34.9%
  • Food service56.7%
  • General merchandise44.4%

Merchandise margin

25.3%

after rebates and inventory

Tobacco rebates credited

3,582.35

to the categories that earned them

Inside sales

Most reports assume 25% on beer. Finato works it out from what you actually paid.

Costs come from your vendor invoices, inventory is tracked as an asset, and tobacco rebates are credited back to the category that earned them. So the margin on every category is the real one — and the P&L your CPA gets matches the one you run the business on.

Book a walkthrough See category margins

A real bookkeeper, not an algorithm

Books kept by someone who knows retail — and checks with you instead of assuming

Your bookkeeper has kept books like yours before. They know what a lottery sweep, a scan-data rebate or a fuel draft looks like, and when something isn’t clear they ask you — so the books are right the first time, whether you own one location or fifty.

“My bookkeeper just sorts it however the software suggests.”

A person posts every entry. When it isn’t clear, they ask you.

Your books are kept by a bookkeeper who knows retail, not by auto-categorisation. Anything unclear comes to you as a quick question, and every month is reviewed before it closes. No assumptions, no surprises.

A question from your bookkeeper

ACH debit of 2,104.60 on Sep 18 — is this the beer distributor’s second invoice, or a credit reversal?

Second invoice. Delivery came Sep 16.

Answer saved. Matched to the delivery and the invoice.

“I find out about problems at year-end, from my CPA.”

Anything odd waits in one short list, not a thousand lines.

Expenses that jump, deposits that don’t match the register, a vendor credit that never arrived — they’re flagged the month they happen and put in front of you with the reason.

!

September · flagged for you

Repairs & maintenance+323% vs avg2,318.40
Electricity+25% vs avg2,942.15
Supplies+22% vs avg701.90
Beer distributor · unmatched invoiceCheck2,104.60

“I never quite know what’s coming in and what’s due.”

Who owes you. Whom you owe. How old it is.

Vendor bills are matched to deliveries and payments. Card settlements, lottery sweeps, rebate claims and house accounts are tracked until the money actually lands.

OWED TO YOUYOU OWE

As of September 30

Owed to you27,336.50
You owe83,686.70
Equipment service60+ days1,840.00
Tobacco rebates claimedQ37,429.60

“Each location is a different spreadsheet. I can’t compare them.”

Every location on the same books. Compare them in a glance.

Each location keeps its own books; the report layouts you choose are reused across all of them. Put locations side by side on margin, fuel, expenses — and see which ones carry the rest.

ABC

September · three locations

MarginFuel ¢/galNet
Location 115.4%25.1¢9,822.43
Location 217.9%21.4¢14,216.80
Location 312.1%27.6¢3,480.15

“The report I get isn’t the report I want.”

We don’t dictate your reports. You build the one you want to see.

Start from our retail layouts or build your own: which lines, which order, which locations, which months. Save it once and it’s your report from then on — on the web, in the app, and in your CPA’s year-end package.

Your layout, saved

Fuel profit analysisYoursmonthly
Category margins, all locationsYoursmonthly
Expenses as % of sales13.0% in Sep

“I’m at the counter. I can’t sit at a desk to check the books.”

Your numbers in your pocket. Petty cash without the shoebox.

An easy mobile app shows today’s sales, what needs your attention and the question your bookkeeper just asked. Spend cash from the drawer? Log it, snap the receipt, and it’s in the books the same day.

Today · mobile

Petty cash · ice, Sep 30Receipt attached42.50
Needs your attention2 items
Question from your bookkeeper1

Works with the back-office and POS systems you already run

  • Modisoft
  • Petrosoft C-Store Office
  • PDI
  • CStorePro
  • Hisably
  • Redstone
  • Verifone Commander
  • Verifone Ruby
  • Gilbarco Passport
  • NCR Radiant
  • Clover
  • Square
  • RapidRMS
  • NRS POS
  • POS Nation
  • and more

Your reports

See exactly what you get every month

The reports you get every month, for every location. The layout is yours to change.

Merchandise sales, cost of goods and the margin that’s left — plus lottery income — month by month.

Inside profit

Northside Fuel & Market LLC · Location 1

For the quarter ended September 30, 2026

Example inside profit for an example location
LineJul 2026Aug 2026Sep 2026Q3 total
Merchandise sales168,778.60177,081.65162,626.70508,486.95
Purchases128,230.20135,681.60125,395.48389,307.28
Inventory movement(1,240.60)815.30(402.75)(828.05)
Tobacco rebates & buydowns(3,730.40)(3,847.25)(3,582.35)(11,160.00)
Cost of goods123,259.20132,649.65121,410.38377,319.23
Merchandise profit45,519.4044,432.0041,216.32131,167.72
Merchandise margin27.0%25.1%25.3%25.8%
Lottery income1,764.601,842.801,668.805,276.20
Merchandise carries its own cost of goods — purchases, inventory movement and rebates — so the margin is real, not blended with fuel.

One subscription

Paying for software, a bookkeeper and reports separately?

With Finato you get all of it in one: the software, the ledger, your bookkeeper and your reports. Moving from Xero, QuickBooks or Sage? We bring your history across and check every month’s numbers before you switch.

  • Xero
  • QuickBooks Online
  • QuickBooks Desktop
  • Sage 50
  • Sage Intacct
  • Wave
  • Zoho Books
  • Spreadsheets

Trial balance check · old system → Finato

Example

Example trial balance comparison between a previous accounting system and Finato
PeriodOld systemDifferenceResult
Jun 20261,284,550.180.00Match
Jul 20261,301,972.400.00Match
Aug 20261,322,108.770.00Match
Sep 20261,339,645.020.00Match
Every migrated line keeps a link to its original record.

Pricing

Priced for your business

One monthly price based on your locations, entities and services — covering bookkeeping, every report on this page, migration help and your CPA’s year-end package.

Get pricing for your business

Pricing depends on your locations, entities and services. Tell us a little and we’ll send a quote.

Services you’re interested in

Finato provides bookkeeping and reports today. Payroll, sales-tax and tax preparation aren’t offered yet — tick them and we’ll talk through your options.

We’ll reply to set up a walkthrough and send your quote.

What’s included

FAQ

Questions owners ask us

Who actually does my books?
A dedicated bookkeeper on our team who works with retailers every day. They post, classify and reconcile your books, ask you when something isn’t clear, and every month is reviewed before your reports go out. You always have a person to call.
Is any of this automated guesswork?
No. Software brings your bank feeds and reports in, but a person decides how every number is booked. If a transaction isn’t clear, it comes to you as a question — we don’t assume.
I only have one location. Is this for me?
Yes. Most of our clients started with one. You get the same bookkeeper, ledger, app and reports as a chain does, priced for your size.
I have a lot of locations. Can you keep up?
Yes. Each location has its own books, your report layouts are reused across all of them, and you can compare locations side by side. Adding a location adds no work for you.
Which back-office and POS systems do you work with?
All the major ones, including Modisoft, Petrosoft C-Store Office, PDI, CStorePro, Hisably, Verifone, Gilbarco Passport, NCR Radiant, Clover and Square. If your system can export a report, we can work with it. See the full list.
We’re on Xero, QuickBooks or Sage. Can you move us?
Yes. We bring your history across and check the trial balance month by month so the numbers match before you switch.
What does it cost?
Pricing is based on your setup — how many locations and legal entities you have and the services you need. One monthly price covers everything on this page. Use the Contact button in the pricing section and we’ll send you a quote.
Will my CPA be able to work with this?
Yes. Your CPA gets the trial balance, general ledger, P&L and balance sheet by location and period, plus a year-end package. We keep tax-ready books; your CPA prepares and files your returns.

See your own locations in Finato

Send us one month of back-office reports and bank statements. We’ll walk you through the reports on your own numbers, not a demo company.

Book a walkthrough How it works