Zeni

Get timely, data-backed financial answers, forecasts, and reports to make informed business decisions.

Automate bill processing, approvals, and vendor payments while tracking spend and avoiding platform and ACH fees.

Simplify employee expenses with AI-assisted submissions, customizable approvals, real-time tracking, and quick payouts.

Earn interest, open as many checking accounts as needed, and access up to $3 million in FDIC insurance coverage through the deposit sweep program.

Earn cash back on business spending and use the card wherever Visa credit cards are accepted, with automated tracking of business card expenses.

Outsource bookkeeping and accounting work to experts using AI, with financial statements and annual tax filings prepared for your business.

Get expert financial guidance, clearer reporting, and tailored planning to manage cash flow, prepare for growth, and make strategic business decisions.

Delegate business tax filings and specialized tax support to advisors who help businesses pursue credits and maintain tax compliance.

Outsource payroll administration and compliance to specialists, helping employees and contractors get paid accurately and on time.

AI CFO Agent

Zeni’s AI CFO Agent answers financial questions using the live books maintained by the AI Accountant Agent. It provides cash runway projections, scenario planning, month-end insights, and financial reporting, with charts and explanations of calculations. Zeni MCP connects company books to supported AI assistants, providing read-only access to live, reconciled financial data through 20 tools for questions and analysis across reports, cash, receivables and payables, vendors, bills, and reimbursements. Answers are scoped to the company and refresh when its books update.

• Forecast Cash Runway And Model Scenarios
  Use current financial information to project cash runway and compare potential changes to spending, hiring, or growth plans.
• Analyze Current Reconciled Books
  Base answers and analysis on live, reconciled company books rather than outdated exports or manually copied data.
• Analyze Financials Without Changing Books
  Use AI tools to report on and analyze financial data while the connector remains unable to edit books or move money.
• Get Financial Answers And Review Calculations
  Ask questions about company finances and receive written answers with charts, along with the data and calculations used to produce them.
• Review Current Statements And Variances
  Access current financial statements and close-related metrics, understand financial changes, and prepare board or investor updates from current books.
• Connect Company Books To AI Assistants
  Access company financial data through supported AI assistants, including Claude, OpenAI Codex, Google Antigravity, and ChatGPT.
• Ask Questions And Analyze Financials
  Get answers to direct questions and examine financial statements, spending patterns, anomalies, and metrics without exporting data.
• Plan Growth Against Current Numbers
  Evaluate business plans against current financial information to support decisions and prepare for potential problems.
• Monitor Key Financial Metrics Together
  View key business financials together and review insights about changes in the business.
• Model Projections And Scenarios
  Explore financial projections and what-if scenarios based on historical company data.
• Set Up Secure Company-Scoped Access
  Connect through a supported AI tool, sign in with OAuth, and access company-scoped financial data through a read-only connection.

AI Bill Pay

Zeni AI Bill Pay automates bill processing from invoice capture through approval and payment. Its AI captures bill details, categorizes accounting information, and stores vendor details to reduce repeated data entry. Businesses can configure multi-level approval flows, track payment statuses, and pay domestic and international vendors. Bill Pay has no platform fee or ACH fees; international payments have no fees when made using Zeni Checking Accounts. The product also provides vendor payment trends and brings bill pay, reimbursements, credit cards, and checking accounts together on an AI-powered dashboard.

Category: Accounts Payable Automation Software

• Reduce Manual Invoice Entry
  Capture bill information and accounting classifications automatically, while saved vendor details reduce repeated entry.
• Route Bills Through Configured Approvals
  Configure multi-level reviews around company needs, approval parameters, and invoice due dates.
• Pay Vendors Across 160 Currencies
  Pay domestic and international vendors in supported currencies. ACH payments have no fees, and international payments have no fees when made using Zeni Checking Accounts.
• Track Payments And Prompt Approvers
  Follow bills through payment and approval, remind approvers, and reject bills that seem out of place.
• Avoid Platform And ACH Fees
  Use Bill Pay without platform or ACH fees; the service is included at no extra cost with an existing subscription.
• Review Monthly Vendor Spend
  See monthly vendor payments and inspect payment details when spending appears unusually high.
• Manage Financial Activity In One Dashboard
  Access bill pay alongside reimbursements, credit cards, and checking accounts from one dashboard.

Reimbursements

Zeni Reimbursements helps businesses manage employee expense submissions, approvals, and payouts. Employees can submit multiple receipts together, while AI can populate expense details, match receipts, and code expenses. Businesses can customize approval processes, track reimbursement statuses, and issue same-day ACH payouts. Reimbursements sync with the dashboard for real-time visibility into payment history and trends. The product has no yearly platform fee or ACH fees.

• Customize And Track Approvals
  Configure approval processes to fit business requirements, track status, and remind people when an approval is needed.
• Pay Employees By Same-Day ACH
  Issue employee reimbursement payouts through same-day ACH.
• Capture And Organize Expense Details
  Populate expense details, match supporting receipts, and code expenses to reduce manual entry and connect documentation to reimbursement records.
• Avoid Yearly Platform And ACH Fees
  Use the reimbursement product without a yearly platform fee or ACH fees.
• Bundle Receipts In One Submission
  Combine multiple receipts in a single submission, such as receipts collected during a company event.
• Track Reimbursements In Real Time
  View reimbursement statuses, payment history, and trends as information syncs, alongside other financial activity in one dashboard.

Zeni Business Checking Account

A business checking account offered through Zeni’s banking partner, Thread Bank, Member FDIC. Eligible deposits may receive up to $3 million in FDIC insurance coverage through a deposit sweep program, subject to applicable conditions. The account earns interest compounded daily and credited monthly, and businesses can open unlimited checking accounts. Zeni states there are no minimum balances or deposits required to earn interest. Checking accounts can also be used with Zeni Bill Pay for $0 ACH and international payment fees.

• Protect Eligible Deposits With Up To $3M Coverage
  Eligible deposits may qualify for up to $3 million in FDIC insurance coverage through the partner-bank sweep program, subject to applicable conditions.
• Earn Interest With No Minimum Balance
  Earn interest calculated and compounded daily and credited monthly. No minimum balance or deposit is required to earn interest; rates and APY are variable.
• Open Unlimited Business Checking Accounts
  Create as many checking accounts as the business needs.
• Send ACH And International Payments With $0 Fees
  When using Zeni Checking Accounts with Zeni Bill Pay, stated fees are $0 for ACH and international payments.
• Make Payments In 160 Currencies
  Zeni’s payment information states that transactions are supported in 160 currencies.

Zeni Business Credit Card

The Zeni Business Credit Card is a cash-back business credit card for eligible Zeni customers, available by invitation. Issued by Thread Bank under a Visa license, it can be used wherever Visa credit cards are accepted and supports automated tracking of business card expenses.

• Earn Cash Back On Business Spending
  The card offers cash back on business spending.
• Use The Card Wherever Visa Is Accepted
  The card may be used wherever Visa credit cards are accepted.
• Track Business Expenses Automatically
  Automated tracking can help customers keep business card spending organized.

Outsourced accounting services

Zeni’s outsourced accounting services combine AI bookkeeping with access to accounting experts who manage books, taxes, and financial operations. The service includes ongoing transaction categorization, receipt and invoice matching, account reconciliation, accounting schedules, monthly closing, financial statement preparation, and annual tax filing preparation. The AI Accountant supports bookkeeping and bill processing, while uncertain items can be reviewed by experts. The service also includes vendor verification, audit checks, and real-time financial reporting.

Category: Accounting Services

• Keep Transaction Books Current
  Categorize transactions as they arrive, apply learned business-specific patterns, and route uncertain items to experts for review.
• Access Dedicated Accounting Experts
  Rely on accounting professionals to manage bookkeeping, taxes, and financial operations, with expert review included.
• Reconcile Accounts And Close Books Monthly
  Keep account records aligned, surface discrepancies, prepare close schedules, and have experts review and sign off on monthly closes.
• Review Reasoning And Track Changes
  Give reviewers visibility into categorization reasoning and transaction history, with approval controls and audit checks to support review.
• Match Receipts And Invoices To Transactions
  Connect receipts and invoices to corresponding transactions and flag missing supporting documents.
• Prepare And Maintain Accounting Schedules
  Keep recurring accounting schedules organized and ready for review, with entries held for approval before posting.
• Prepare And View Current Financial Statements
  Receive prepared financial statements and access timely core statements as bookkeeping activity is processed.
• Prepare Annual Tax Filings
  Get annual tax filings prepared through Zeni’s accounting and tax services.
• Verify Vendors And Catch Duplicates
  Improve vendor record accuracy by identifying vendors, surfacing duplicates, and suggesting corrections.
• Process Bills Through Payment
  Move bills through drafting, approval, scheduling, and payment while keeping the bookkeeping workflow connected.

Fractional CFO services

Zeni’s fractional CFO service provides part-time or project-based financial leadership tailored to business goals, without the cost of a full-time CFO. Support includes financial analysis and reporting, KPI tracking, custom reports and presentations, financial planning and budgeting, cash flow management, strategic growth planning, fundraising and investor reporting, and guidance on M&A, capital investments, risk management, and compliance. CFOs also support board meeting preparation and presentations, with service tailored to a business’s stage and needs.

• Plan Budgets And Forecasts
  Build financial plans and budgets, compare actual results with budgets, and forecast cash flow to guide business planning.
• Clarify Financial Performance
  Evaluate financial statements and business health, track KPIs, and create custom reports and presentations to make performance clearer.
• Manage Cash Flow
  Analyze cash flow, surface potential bottlenecks, and develop strategies to improve cash flow efficiency.
• Prepare For Fundraising
  Develop funding and capital strategies and receive financial support for fundraising.
• Access Flexible CFO Expertise
  Get part-time or project-based CFO support tailored to business goals, without the cost or commitment of hiring a full-time CFO.
• Plan Your Next Growth Moves
  Translate business goals into actionable plans, explore new markets and growth opportunities, and prepare for growth.
• Prepare Board And Investor Updates
  Prepare financial reports, performance metrics, strategic plans, and presentations for board meetings, and support investor reporting.
• Evaluate Strategic Investments
  Receive guidance on mergers and acquisitions and capital investments when evaluating strategic opportunities.
• Address Financial Risks
  Get support with risk management and compliance as the business scales.
• Build Stronger Finance Processes
  Establish financial structure and processes to streamline financial management and create a foundation for growth.

Business Tax Services

Zeni’s tax advisors support businesses with annual federal and state income tax filings, R&D tax credit identification and filing, and additional tax services. Support includes Delaware franchise tax, Form 3921, foreign subsidiary reporting, FBAR, ISO exercise reporting, prior-return amendments, and tax consultancy. For R&D credits, the team identifies qualifying expenses, prepares calculations and IRS paperwork, organizes supporting documentation, and coordinates with payroll providers to apply credits against startup payroll taxes. Zeni’s tax advisors work with C-corps, S-corps, and LLCs.

• File Federal And State Income Tax Returns
  Receive support with federal and state income tax filings, including additional state corporate income tax filings when needed.
• Identify And File R&D Tax Credits
  Get help identifying qualifying expenses, preparing calculations and IRS paperwork, organizing supporting documentation, and coordinating with a payroll provider to apply credits against startup payroll taxes.
• Get Guidance From Tax Advisors
  Work with tax professionals who understand your business and provide support for C-corps, S-corps, and LLCs, with a Tax Concierge included in tax plans.
• Handle Additional Business Tax Filings
  Request listed add-on support for Delaware franchise tax, foreign subsidiary reporting, FBAR, Form 3921, ISO exercise reporting, and prior tax return amendments.

Startup Payroll Services

Zeni’s expert-led payroll service manages payroll operations for U.S.-based employees and contractors. Support includes onboarding and termination, payroll system setup and management, payroll submission, tax and benefits deduction calculations, direct deposits, employee inquiries, and compliance with federal, state, and local requirements. Optional services include state employer registration, W-2 and 1099 preparation, international contractor payments, benefits enrollment support, payroll account closure, and payroll consultation.

• Maintain Compliance Across U.S. Jurisdictions
  Address payroll requirements across federal, state, and local jurisdictions, including agency requests and state contractor reporting.
• Manage Payroll Operations With Expert Support
  Coordinate payroll system setup, submit payroll, update employee records, and respond to employee and business inquiries.
• Process Accurate, Timely Payroll Payments
  Handle payroll tax and benefits deduction calculations and direct deposits as part of payroll operations.
• Coordinate Employee Onboarding And Offboarding
  Support new hires with payroll setup and coordinate termination tasks such as final pay, benefits cancellation, and exit paperwork.
• Prepare Payroll Forms And Filings
  Add support for employee and contractor tax forms, as well as federal and state payroll filings.
• Register As An Employer In New States
  Handle employer registration in additional states and jurisdictions as a payroll add-on.
• Set Up Or Close Payroll Accounts
  Get payroll implementation assistance and account closure support as separate add-on services.
• Support Employee Benefits Administration
  Add help with benefits enrollment and benefits administration alongside payroll support.
• Onboard And Pay International Contractors
  Add support for onboarding and paying international contractors; Payroll Manager support is limited to U.S.-based employees and contractors.
• Get Payroll Guidance And Audit Support
  Contact payroll specialists for support and consultation, including assistance with workers’ compensation audit management.