About
We spent a decade closing multi-site restaurant and hotel books on Xero — the hard way. Finio is the tool we begged the market to build. When it didn't, we did.
Mission
For every finance director running a hospitality group on Xero — three sites or fifty — close should take days, not fortnights, and the numbers should never be in dispute.
Story
In 2022, Amelia was closing month-end across 22 Xero organisations for a fast-growing restaurant group. Intercompany recharges lived in a shared spreadsheet. Approvals happened over WhatsApp. Reconciliations were done from supplier statement PDFs, by hand, on the seventh working day.
The tools on the market solved one half: capture (Dext, Hubdoc), approvals (ApprovalMax), or intercompany (Mayday). None of them spoke to each other. All of them charged per-invoice — so growth was punished with an invoice at the end of the quarter no one had budgeted for.
She sketched Finio on the back of a supplier-statement PDF in October 2023. Idris built the first version in a garden shed in Peckham. Three restaurant groups piloted it through 2024. By Q1 2026 we're live in fifty hospitality groups from London to Edinburgh.
We are, deliberately, still small. Every person on the team has closed a month-end. Every feature ships with the FC's name on it.
Values
If a rule can be broken, a control can be bypassed, or a number can drift — we've missed the point.
No credits, no overage, no per-invoice punishments for growth. What you signed is what you pay.
We're an extension of your ledger, not a replacement for it. Everything reconciles back.
No 'seamless synergy'. Real screens, real numbers, real words your accountant uses.
Team
Ex-Group FC at a 22-site restaurant estate. Closed a decade of month-ends by hand.
Built the internal AP tool at a hotel group before it was open-sourced. Cambridge, ex-Monzo.
Product lead on Xero's UK payables surface. Knows the ledger better than most FCs.
Onboarded 200+ groups at a rival AP tool before defecting. Runs implementations in his sleep.
By the numbers