Solution · Retail

For retail groups running many stores.

Every store generates its own supplier invoices, deliveries and takings. Finio codes them by store, matches them against what actually arrived, and reconciles the lot to your live ledger — so margin is visible while you can still act on it.

Store operations

Invoice volume that scales with the estate.

Twenty stores, a hundred suppliers, thousands of invoices a month — handled without adding AP headcount per site.

An inbox per store

Suppliers send to the store's own address. The invoice lands coded to the right entity and cost centre.

Goods-received matching

Match the invoice to the delivery note and the order. Short deliveries surface before you pay for them.

Price-change alerts

When a supplier quietly moves a unit price, the variance is flagged on the line, not found in a quarterly review.

Store manager sign-off

Managers approve what arrived at their store on a phone. Finance codes the GL. No fighting over one field.

Central buying, local delivery

One head-office order delivered across sites — split to each store's P&L automatically.

Seasonal peaks absorbed

Christmas volume triples the invoice count, not the processing time or the bill.

Margin

Know the cost per store in-month.

Waiting for close to find out which stores made money is too late to do anything about it. Finio keeps cost by store, category and supplier current all month.

  • Cost per store, live. Spend by category and supplier for every site, updated as invoices land.
  • Takings reconciled. EPOS and card settlements tied back to the ledger — revenue reconciliation is available as an add-on.
  • Supplier spend across the estate. See what the group actually spends with a supplier before you renegotiate.
  • Shared costs recharged. Head-office and marketing costs split across stores and posted to each entity.
  • Accruals held straight. Goods received not invoiced tracked continuously, so the position is real.

Group

One estate, one set of numbers.

Consolidate

Group P&L without the spreadsheet.

Every store's Xero org rolled up live — no exports, no month-old consolidation pack.

Compare

Store against store.

Rank sites on cost, category spend and supplier pricing to find where margin is leaking.

Grow

A new store in a day.

Open a site and its entity, inbox, coding and approval rules are ready before it trades.

Book a demo

See it on your estate.

Thirty minutes with a Finio specialist, on your actual store list and supplier ledger.