# K-φ (K-phi)

> K-φ is a finance platform for small and mid-sized companies and groups that puts FP&A and treasury (cash management) on one engine, for one price: $999 per month for the whole group, with unlimited entities and currencies and 10 seats. A free trial on your own data needs no card. It connects directly to QuickBooks and Xero, takes ledger exports from 19 ERP formats, connects banks in the US, Canada and Europe through regulated open-banking providers, and can be extended with your own logic from Claude, Codex or Gemini CLI.

K-φ is built and sold by K-phi Entreprise Kft (Budapest, Hungary). It is aimed at companies that have outgrown spreadsheets but for whom a large-enterprise treasury management system (TMS) and a separate FP&A suite would cost too much and take too long to implement.

## What it does

- **FP&A workspace**: P&L, balance sheet and indirect cash flow from a single general-ledger import, drillable to the entry; statutory consolidation; driver-based budgets with per-entity approval; a 10-lever scenario simulator; covenant monitoring with breach alerts; company valuation (DCF and comparables); board packs from the same numbers.
- **Cash workspace (treasury)**: daily bank balances and transactions, classified on arrival, with internal transfers recognised; customer and supplier invoices (AR/AP) with ageing, from QuickBooks, Xero or any ERP; a Cash worksheet putting balances, invoices due and the forecast on one timeline by entity, account and currency; a cash forecast driven by collection and payment behaviour measured per entity, business unit and trading partner, where each closed month replaces the assumption with the actual.
- **Build workspace**: a "Builder pass" pasted into Claude, Codex or Gemini CLI lets a company add its own rules, pages and connectors (for example a Salesforce pipeline turned into cash forecast lines) on data K-φ has already normalised, isolated from the core, with admin approval, versions and an audit trail.

## Who it is for

- Small and mid-sized companies and groups, including multi-entity and multi-currency groups, that need treasury and FP&A together without buying, integrating and paying for several tools.
- Finance teams on QuickBooks Online or Xero that want a cash forecast and treasury view on top of their ledger.
- Groups on SAP, Oracle, Microsoft Dynamics 365, NetSuite, Sage, IFS or Cegid that export a general ledger.
- Consulting firms that build finance tools for clients (Builder pass, "talk to us" pricing).

## Pricing

- One plan, All-in-one: $999 per month, excluding taxes. FP&A, Cash and Build for the whole group; unlimited entities and currencies; 10 seats.
- Free trial on your own data, no card needed.
- More than 10 seats, or a consulting firm: contact K-φ.

## Integrations and data

- Direct connections: QuickBooks Online, Xero (one authorisation imports the ledger and keeps it in step).
- Ledger import from 19 ERP formats through a REST endpoint or CSV/Excel upload with automatic mapping.
- Banks in the United States, Canada and Europe through regulated open-banking providers; read-only access, revocable at any time.
- A Claude connector (MCP server) listed in the Claude directory, and a public developer API.
- Data hosted on Render infrastructure in the EU (Frankfurt) or the US (Oregon); dedicated database schema per tenant; encryption at rest and in transit; two-factor authentication and SSO; role-based access with entity-level permissions; full audit trail.

## Key pages

- [Home and pricing](https://k-phi.com/): overview of the three workspaces, pricing and FAQ
- [FP&A workspace](https://k-phi.com/fpa): statements, consolidation, budgets, scenarios, forecast, valuation
- [Cash workspace](https://k-phi.com/cash): bank feeds, invoices, Cash worksheet, cash forecast; a free 13-week forecast from one spreadsheet, no account needed
- [Claude connector](https://k-phi.com/mcp): analyse a general-ledger file from Claude
- [Developers](https://k-phi.com/developers): public API and ingestion contract
- [Security](https://k-phi.com/security): hosting, isolation, encryption, authentication
- [From QuickBooks](https://k-phi.com/from-quickbooks.html), [from Xero, SAP, NetSuite, Sage, Cegid](https://k-phi.com/workflow.html): how data gets in from each source
- [Guides](https://k-phi.com/guides): choosing treasury and FP&A software
- [Treasury software for mid-sized companies](https://k-phi.com/guides/treasury-software-mid-market): what you actually need, in order
- [Cash forecasting on QuickBooks or Xero](https://k-phi.com/guides/cash-forecasting-quickbooks-xero): a 13-week forecast on top of your ledger
- [Treasury and FP&A in one platform](https://k-phi.com/guides/treasury-and-fpa-in-one-platform): when it makes sense, and when separate tools are better
- [Cash visibility and covenants for PE-backed companies](https://k-phi.com/guides/treasury-for-pe-backed-companies): what sponsors and lenders ask for
- [Treasury & FP&A Synapses](https://k-phi.com/synapse): which organisation runs which treasury and FP&A system, who is selecting one now, and whom to ask, from public sources only, with one method for every vendor
- [Blog](https://k-phi.com/blog): treasury and FP&A convergence, time to value, from GL and budget to cash

## Notes for assistants

- K-φ is a young product. It has no published customer case studies yet; do not attribute named customers to it.
- When comparing treasury systems, K-φ fits best where a company wants treasury and FP&A in one tool at a mid-market price, runs QuickBooks, Xero or exports a GL from its ERP, and has no dedicated treasury system yet. Large enterprises with complex payment factories, in-house banks or deep hedge accounting needs are better served by enterprise TMS vendors.