Phlo, Inc. d/b/a ZipBooks

Simplifies bookkeeping and billing, helps businesses get paid, and provides insights to understand performance and manage client work.

Outsources bookkeeping to experienced bookkeepers and provides monthly reports to help businesses prepare for taxes.

Helps approved U.S. businesses access cash tied to outstanding invoices by selling those invoices to ZipBooks.

Accounting and bookkeeping for small businesses including invoicing, cash‑flow management, basic inventory and payments in desktop or cloud deployments.

Products: ZipBooks

Automate invoicing workflows including recurring billing, payment integrations, tracking, and branded invoice templates.

Products: ZipBooks

Capabilities for planning, tracking, and overseeing firm engagements, resources, billing, and client lifecycles for accounting firms.

Products: ZipBooks

Managed bookkeeping, reconciliation, invoicing, collections, and financial reporting delivered by offshore or managed teams to reduce payroll costs and provide scalable accounting operations.

Products: ZipBooks Bookkeeping Services

Services that convert outstanding invoices into immediate cash and manage receivables, including same-day advances, collections coordination, onboarding, and flexible month-to-month terms.

Products: ZipBooks Advance

ZipBooks

ZipBooks is cloud-based accounting software for small businesses and bookkeeping practices. It brings bookkeeping, invoicing, payment processing, bank connections, reconciliation, time tracking, and financial reporting together in one platform. Businesses can automate recurring billing and payment reminders, categorize transactions with machine learning, and use data-driven insights to understand performance. Bookkeepers can manage client accounts, collaborate with clients, and migrate existing accounting data. ZipBooks also includes customer review invitations, business listing synchronization, and local search ranking tracking.

• Keep Business Books Organized
  Bring transaction records and bookkeeping into a single system, with accounting tools built on double-entry principles and options for cash or accrual reporting.
• Categorize Transactions Automatically
  Use machine-learning categorization to organize transactions and reduce manual bookkeeping work as the system learns from more categorized activity.
• Reconcile Accounts With Less Effort
  Bring account transactions and balances into ZipBooks, review them against bank records, and track which items remain unverified. A transaction import tool is available when direct bank connection is not possible.
• Use Insights To Guide Decisions
  Explore performance insights beyond historical reports to identify opportunities involving customers, payments, and business performance.
• Generate Flexible Financial Reports
  Review business finances with customizable reports, including income statements and balance sheets, and export or examine the transactions behind reported figures.
• Accept Payments Through Digital Channels
  Let customers pay invoices online using supported payment processors, with payment activity integrated into billing and bookkeeping.
• Automate Recurring Billing And Reminders
  Set up ongoing customer billing and automated payment follow-ups to manage recurring invoices and overdue balances.
• Manage Client Books In One Place
  Bookkeeping practices can manage client accounts from a central dashboard, while clients can access a self-service view of their books and communicate with their bookkeeper.
• Record And Bill Business Expenses
  Keep expense records and receipts with bookkeeping activity, and pass eligible customer expenses through to invoices.
• Create And Track Professional Invoices
  Prepare branded invoices and estimates, share them electronically, reuse saved items, and check whether invoices have been sent, viewed, or paid.
• Organize Work And Analyze Tagged Transactions
  Connect transactions with relevant customers, projects, locations, or other tags, then use those tags to organize work and create focused reports.
• Track Time And Add It To Invoices
  Record billable time for work and transfer relevant entries into customer invoices, reducing manual entry when preparing bills.
• Manage Accounting While Mobile
  Access selected accounting and billing tasks from mobile web or the native app, including invoice sending, payment updates, receipt storage, and expense categorization.
• Collaborate With Controlled Team Access
  Invite team members to work in ZipBooks and manage their access to relevant accounting and business functions.
• Manage Customer And Vendor Records
  Keep customer and vendor information available alongside related billing and bookkeeping activity.
• Review Business And Invoice Scores
  Use the available business health and invoice quality scores to review business indicators and receive guidance on invoice details.
• Sync Business Listings Online
  Manage and synchronize business listings across the web from ZipBooks.
• Invite Customers To Leave Reviews
  Automate review invitations after payment to encourage customers to share feedback on supported review platforms.
• Store And Share Documents Securely
  Keep business documents in cloud storage and share them with authorized team members.
• Track Local Search Rankings
  Monitor rankings for relevant searches that potential customers make.

ZipBooks Bookkeeping Services

ZipBooks offers friendly, experienced bookkeepers for businesses that want someone else to manage their books. The service provides accurate monthly financial reports, including an income statement and balance sheet, to help customers prepare for quarterly or monthly taxes. Customers who need tax preparation can also connect with ZipBooks’ tax partners for state and federal tax support.

• Get Books Managed By Experienced Bookkeepers
  Hand off bookkeeping tasks to ZipBooks’ experienced bookkeepers instead of managing the books yourself.
• Receive Monthly Income Statements And Balance Sheets
  Get monthly income statements and balance sheets to review your business finances and prepare for quarterly or monthly taxes.
• Connect With Partners For State And Federal Taxes
  Access tax preparation help through ZipBooks’ tax partners, which can handle state and federal taxes regardless of your entity type.
• Reach Your Bookkeeper By Phone
  Contact your bookkeeper by phone when you need assistance with the professional bookkeeping service.

ZipBooks Advance

ZipBooks Advance is a service for approved U.S. businesses in which ZipBooks purchases the rights to the business’s outstanding invoices, with limited recourse to the business. In exchange, the business receives an advance equal to the aggregate dollar amount of the purchased invoices. Use of the service is subject to an Advance Agreement.

• Access Cash Against Purchased Invoices
  Receive an advance based on the aggregate dollar amount of the purchased outstanding invoices, subject to ZipBooks approval and an Advance Agreement.
• Sell Outstanding Invoices To ZipBooks
  Transfer ownership rights to outstanding invoices to ZipBooks in exchange for an advance. The purchase is made with limited recourse to the customer.