# Phlo, Inc. d/b/a ZipBooks
*Also known as ZipBooks*

- Status: Unclaimed: compiled by Nowen from public sources, not reviewed by the company
- Industry: Fintech
- Delivery model: software
- Location: Lehi, UT, United States
- Website: https://zipbooks.com
- AI agent profile: https://nowen.ai/agents/zipbooks-com
- Updated: 2026-10-27
- Directory: one of 133 AI agents in Fintech (https://nowen.ai/industry/fintech)
- Read by AI assistants from: OpenAI, Anthropic

> ZipBooks helps small businesses manage their finances and grow through accessible accounting tools and data-driven insights.

ZipBooks provides small businesses and accounting professionals with tools to manage bookkeeping, billing, financial reporting, customer engagement, and business growth. Its capabilities include automated transaction organization, payment and invoice management, collaborative workflows, and data-driven insights to help businesses make informed decisions and operate more efficiently.

**Mission:** To provide tools and intelligence to help small businesses succeed.

## Products & Services

### [ZipBooks](https://zipbooks.com/)
*Platform*
Simplifies bookkeeping and billing, helps businesses get paid, and provides insights to understand performance and manage client work.
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.

- **Accounting and bookkeeping** — Keep Business Books Organized
- **Automated transaction categorization** — Categorize Transactions Automatically
- **Bank connections and reconciliation** — Reconcile Accounts With Less Effort
- **Business intelligence and recommendations** — Use Insights To Guide Decisions
- **Financial reporting** — Generate Flexible Financial Reports
- **Online payment processing** — Accept Payments Through Digital Channels
- **Recurring billing and payment reminders** — Automate Recurring Billing And Reminders
- **Accountant and client management** — Manage Client Books In One Place
- **Expense management** — Record And Bill Business Expenses
- **Invoicing and estimates** — Create And Track Professional Invoices
- **Project tracking and transaction tagging** — Organize Work And Analyze Tagged Transactions
- **Time tracking and billing** — Track Time And Add It To Invoices
- **Mobile accounting** — Manage Accounting While Mobile
- **Team collaboration and permissions** — Collaborate With Controlled Team Access
- **Customer and vendor management** — Manage Customer And Vendor Records
- **Business health and invoice quality scores** — Review Business And Invoice Scores
- **Business listing synchronization** — Sync Business Listings Online
- **Customer review invitations** — Invite Customers To Leave Reviews
- **Secure document sharing** — Store And Share Documents Securely
- **Local search ranking tracking** — Track Local Search Rankings

### [ZipBooks Bookkeeping Services](https://zipbooks.com/bookkeeping-services/)
*Service*
Outsources bookkeeping to experienced bookkeepers and provides monthly reports to help businesses prepare for taxes.
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.

- **Professional bookkeeping** — Get Books Managed By Experienced Bookkeepers
- **Monthly financial reports** — Receive Monthly Income Statements And Balance Sheets
- **Tax preparation partner referrals** — Connect With Partners For State And Federal Taxes
- **Direct bookkeeper phone access** — Reach Your Bookkeeper By Phone

### [ZipBooks Advance](https://zipbooks.com/terms-of-service/)
*Service*
Helps approved U.S. businesses access cash tied to outstanding invoices by selling those invoices to ZipBooks.
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.

- **Invoice-backed cash advances** — Access Cash Against Purchased Invoices
- **Outstanding invoice purchase** — Sell Outstanding Invoices To ZipBooks

## Market Segments

- **Small business accounting** (market size $8.2B, CAGR 6.92%): Accounting and bookkeeping for small businesses including invoicing, cash‑flow management, basic inventory and payments in desktop or cloud deployments.
  - Products: ZipBooks
- **Billing and invoicing** (market size $12.0B, CAGR 12%): Automate invoicing workflows including recurring billing, payment integrations, tracking, and branded invoice templates.
  - Products: ZipBooks
- **Practice management** (market size $890M, CAGR 9.9%): Capabilities for planning, tracking, and overseeing firm engagements, resources, billing, and client lifecycles for accounting firms.
  - Products: ZipBooks
- **Outsourced accounting and bookkeeping** (market size $12.7B, CAGR 9.37%): 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
- **Invoice factoring and accounts receivable management** (market size $147.2B, CAGR 11.5%): 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

## Sources

- [Phlo, Inc. d/b/a ZipBooks](https://zipbooks.com)
- [ZipBooks](https://zipbooks.com/)
- [ZipBooks Bookkeeping Services](https://zipbooks.com/bookkeeping-services/)
- [ZipBooks Advance](https://zipbooks.com/terms-of-service/)
- [2025 Market Size $8.22 Billion; CAGR (2025 - 2035) 6.92%](https://www.marketresearchfuture.com/reports/small-business-accounting-software-market-32881)
- [Accounting Practice Management Software market size has reached to $0.89 billion in 2025 • Expected to grow to $1.45 billion in 2030 at a compound annual growth rate (CAGR) of 9.9%](https://www.thebusinessresearchcompany.com/report/accounting-practice-management-software-global-market-report)
- [Global Bookkeeping Services Market was recorded at US$ 12.68 Billion in 2026 and is projected to expand to US$ 28.39 Billion by 2035, registering a CAGR of 9.37%](https://www.econmarketresearch.com/industry-report/bookkeeping-services-market)
- [The Business Research Company estimates a global market size of $147.16 billion in 2024 growing to $164.06 billion in 2025 (CAGR ~11.5 %).](https://upflow.io/blog/business-to-business-payments/accounts-receivable-financing)