OwnCents product
One financial system from operating signal to accounting evidence.
Connect normalized financial data, planning, controlled accounting, ownership, and enterprise workflows without creating a new source of truth for every page.
Product story
Connected financial operation
Architecture
A normalized financial layer, not a collection of disconnected dashboards.
Supported provider and file data enters canonical OwnCents models. Product views, controlled workflows, and explanations use those models rather than reading provider systems directly.
Supported sources
Normalized models
Product workflows
Reviewable outcomes
01
Financial operating system
Financial operating system
See the whole financial operation without losing the evidence
Connect cash, revenue, spend, plans, and accounting context in one explainable operating view.
Explore productFinancial operating system
Turn financial context into sharper operating questions
Explore grounded explanations and scenarios while deterministic systems retain calculation and control authority.
Explore product02
Money
Cash and money movement
Know where money stands, moves, and needs attention
Bring balances, transactions, cash movement, and runway drivers into one decision-ready money view.
Explore productCash and money movement
See available cash across the business before acting
Review supported account balances and movements together without turning OwnCents into a payment rail.
Explore productCash and money movement
Organize every supported financial account around its purpose
Understand account type, balance context, mapping, and activity across eligible connected sources.
Explore productCash and money movement
Make every observed money movement easier to explain
Normalize inflows, outflows, status, account, and source context into a consistent transaction view.
Explore productCash and money movement
See the operating forces behind every cash change
Compare inflows, outflows, and net movement with paths back to normalized activity.
Explore productCash and money movement
Make runway a driver-based decision, not a static number
Estimate how modeled burn, collections, hiring, and one-time costs affect the cash horizon.
Explore product03
Sales and spend
Sales and receivables
Connect sales momentum to financial outcomes
Read supported customer and revenue signals alongside collections, concentration, and cash timing.
Explore productSales and receivables
Understand revenue quality beyond the top-line total
Separate growth, concentration, refunds, billing timing, and collection context in normalized revenue views.
Explore productSales and receivables
See which customer relationships shape financial performance
Review supported customer activity, concentration, invoices, and collection context without losing source detail.
Explore productSales and receivables
Keep every invoice connected to its financial outcome
Follow supported invoices from operating status into controlled recognition and collection workflows where applicable.
Explore productSales and receivables
Connect collections activity to receivable control
Manage exact invoice recognition, receipts, credits, aging, and ledger tie-out by legal entity.
Explore productSpend and payables
Turn fragmented spend into a controllable cost picture
Review cost drivers across supported expenses, vendors, bills, and payable workflows.
Explore productSpend and payables
Find the expense changes that matter to margin
Compare normalized costs by period and category, then inspect recurring and exceptional movements.
Explore productSpend and payables
Give every vendor relationship a controlled financial identity
Maintain vendor identity, lifecycle, and accounting defaults without storing beneficiary or payment credentials.
Explore productSpend and payables
Move bills from review to recognition with evidence intact
Prepare exact vendor bills, check duplicates, separate approval, and hand recognition to controlled journals.
Explore productSpend and payables
Keep payable decisions tied to accounting evidence
Control vendors, bills, approvals, recognition, external settlement records, aging, and AP tie-out.
Explore productSpend and payables
Know what is owed and whether the balance is supportable
Review evidence-backed payable aging, control tie-out, and readiness by legal entity and date.
Explore productSpend and payables
Record external AP settlements without becoming a payment rail
Link finalized cash-out evidence to approved payables and preserve exact allocation and reversal history.
Explore product04
Planning and accounting
Planning and forecasting
Turn operating assumptions into a versioned financial plan
Build retained legal-entity budgets with exact arithmetic and supported actuals context.
Explore productPlanning and forecasting
Keep the forward view connected to current reality
Project cash and operating outcomes from explicit assumptions and normalized financial context.
Explore productPlanning and forecasting
Compare decisions without overwriting the assumptions
Retain base, upside, downside, and custom cases so teams can understand what changes each outcome.
Explore productPlanning and forecasting
Model the people plan before it becomes fixed cost
Plan roles, start dates, compensation, bonuses, and workforce cost as explicit financial assumptions.
Explore productPlanning and forecasting
Bring payroll totals into a controlled accounting handoff
Preserve aggregate exact-Money snapshots and prepare journal drafts without executing payroll or taxes.
Explore productAccounting and reporting
Protect the path from operating activity to accounting truth
Coordinate legal-entity accounts, periods, journals, immutable posting, reporting, reconciliation, and close.
Explore productAccounting and reporting
Move balanced journal work through accountable review
Prepare, submit, approve, post, and reverse journals through explicit policies and maker-checker controls.
Explore productAccounting and reporting
Preserve posted accounting history as immutable evidence
Read exact legal-entity ledger activity where corrections create new reversals instead of rewriting history.
Explore productAccounting and reporting
Prove debits and credits agree before relying on reports
Review exact opening, movement, and closing balances from the immutable ledger by legal entity and period.
Explore productAccounting and reporting
Read statements anchored to ledger evidence
Generate Profit and Loss, Balance Sheet, and Cash Flow views from controlled account classifications and postings.
Explore productAccounting and reporting
Give every posting account an explicit accounting purpose
Control account type, subtype, normal balance, posting eligibility, currency policy, and statement classification.
Explore productAccounting and reporting
Control when accounting work can change a period
Manage legal-entity posting windows and period states as prerequisites for journals, reporting, and close.
Explore productAccounting and reporting
Turn posted evidence into financial answers you can trace
Read operating and ledger-derived reports with visible scope, classifications, support, and integrity limitations.
Explore productAccounting and reporting
Explain the difference between source and book
Compare exact source evidence with immutable-ledger balances and retain every match, exception, and adjustment trail.
Explore productAccounting and reporting
Close with evidence instead of checklist confidence
Coordinate revisioned close work, automatic readiness, reviewer separation, and controlled period transitions.
Explore product05
Operations and ownership
Connected operations
Keep financial work moving with ownership and context
Coordinate review steps around the relevant financial workflow instead of relying on disconnected reminders.
Explore productConnected operations
Surface the financial changes that deserve attention
Bring relevant status, exception, and workflow prompts to the team without treating alerts as authority.
Explore productConnected operations
Bring spreadsheet records in without creating a second truth
Extract, review, match, and commit supported files into canonical financial models.
Explore productOwnership and capital
Understand how authorized events shape ownership
Preserve stakeholders, security classes, rights, and event history as replayable legal-entity authority.
Explore productOwnership and capital
Preserve cap table history as events, not editable percentages
Review legal and fully diluted ownership projections without rewriting the sequence that produced them.
Explore productOwnership and capital
Allocate approved profit with exact ownership evidence
Derive eligible closed-period profit, snapshot rights, allocate exactly, and control accounting handoffs.
Explore productOwnership and capital
Model financing choices before they change ownership
Explore hypothetical dilution and capital scenarios while keeping legal and authoritative ownership events separate.
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Multi-entity and controls
Multi-entity finance
Keep every company's accounting boundary explicit
Define legal entities as the accounting and reporting scope while preserving the workspace collaboration boundary.
Explore productMulti-entity finance
Keep both sides of intercompany activity accountable
Prepare paired drafts and verify exact due-to and due-from evidence without creating bank movement.
Explore productMulti-entity finance
Consolidate entities without rewriting their books
Derive traceable group reporting with approved FX snapshots, explicit eliminations, and integrity states.
Explore productMulti-entity finance
See the group while preserving every entity's truth
Compare and consolidate legal-entity reporting with traceable inputs, boundaries, and limitations.
Explore productEnterprise controls
Give each teammate the access their role requires
Apply workspace and legal-entity-aware permissions without trusting client-supplied roles or ownership claims.
Explore productEnterprise controls
Strengthen workforce access around verified identity policy
Use enterprise sign-in controls, domain relationships, and explicit recovery boundaries for protected workspaces.
Explore productEnterprise controls
Retain the evidence behind sensitive financial actions
Trace controlled workflow events, actors, states, and immutable accounting outcomes without exposing secrets.
Explore productEnterprise controls
Build financial operations on explicit security boundaries
Combine tenant isolation, server-side authorization, sensitive-action controls, and protected provider credentials.
Explore productSee it in context
Build a clearer financial operation.
Explore a fixed fictional workspace, or start a trial with your own supported financial data.