Zirano Finance
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Bookkeeping Software that gets to the point

All your bookkeeping. Adam does the prep.

Invoices, bills, bank and card statements, Bahamas VAT returns and reports in one set of books. Adam, your AI agent, proposes every entry; nothing is recorded until you approve.

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No card needed. Your first step: a PDF or CSV statement from your bank. Try any paid plan free for 14 days.

Month-end, the old way

You download the statement, paste it into a spreadsheet, and guess what “POS 4471” was. Customers pay late and you find out weeks later. Then the VAT return is due and you’re rebuilding the quarter from receipts. You only learn how much runway you had when your accountant finishes, months after it mattered.

Meet Adam, the new way

Ask Adam. He does the prep, you approve.

Adam reads your books, suggests what to do, and explains your numbers in plain English. Nothing lands in your books until you say yes.

“Sort last month's bank lines.”

Adam suggests a category for every line you haven't recorded yet. Your own rules go first; Adam fills the gaps. Approve them one by one or all at once.

Clarity

Books that match your bank, line for line.

Teach Zirano your bank's PDF statement once; after that, every import is read on your device and checked against the running balance before anything is saved. You stop retyping lines, and the books reconcile to the statement.

  • Categorised before you open it. Your rules record the same payees the same way every time, and Adam proposes the rest, each with a reason and a confidence level.
  • CSV statements import too, with a template for your bank's columns
  • Bank accounts and credit cards, each reconciled to its statement

Invoicing & bills

Know who owes you, today.

Invoices, bills and payments are matched as the bank lines come in, so paid, part-paid and overdue are always current. Chasing starts the day something is late, not at quarter-end.

  • Paid, part-paid and overdue, always up to date
  • Who owes you, and who you owe, by age
  • CSV templates for every import

Insight

Your Bahamas VAT return and runway, always ready.

Your Bahamas VAT return is prepared from the same books, with every figure traceable to its lines, and cash, burn and runway update as you approve.

  • Runway and burn from the last three full months
  • VAT on invoices, bills and bank lines
  • An accountant view with the full trial balance

Zirano prepares VAT returns; it does not give tax advice. How Zirano prepares your Bahamas VAT return

One set of books

Everything your books need.

Beyond the bank: the rest of running your books, in the same place, kept in step by the same ledger.

  • Quotes that turn into invoices.

    Send a quote; when it's accepted, one click makes the invoice, linked both ways.

  • Bills without the typing.

    Drop in the vendor's PDF and the vendor, dates and amounts are filled in, read on your device.

  • Statements your customers can pay from.

    Opening balance, every invoice and payment, and what's overdue, emailed or printed in a click.

  • Profit by job.

    Tag invoices, bills and bank lines to a project and see its income, costs and profit (Growth and Scale).

  • Credit cards, reconciled.

    Upload the card statement like a bank statement; spending is recorded, and what you owe stays exact.

  • Equipment that depreciates itself.

    Add an asset once; depreciation posts every month (Growth and Scale).

  • Your accountant, in for free.

    Team members with their own roles (unlimited on paid plans), an accountant view with the full trial balance, and months you can lock once they're closed.

  • Bring what you have.

    CSV templates for customers, vendors, products, stock, open invoices and bills.

Honest about what we do

No surprises.

What Zirano does

  • Keeps real double-entry books. Nothing is edited or deleted; corrections are reversals you can see
  • Imports bank statements (CSV and PDF) and reconciles them
  • Invoices, quotes, bills, purchase orders, credit notes, customer statements, products and stock, projects and fixed assets
  • Prepares Bahamas VAT returns from your books
  • Shows cash, burn and runway, and explains them

What we're transparent about

  • Adam suggests; nothing is recorded until a person approves it
  • We prepare VAT returns; we don't give tax advice
  • One currency per workspace today (multi-currency is coming)
  • Bank data comes in by import, not live bank feeds (yet)
  • No payroll, and no live bank or card feeds yet (statements import)

Pricing

Priced by the bank lines you import.

Start free on up to 20 bank lines a month, or try any paid plan free for 14 days, no card needed.

Software

Free

Then Starter, Growth and Scale from $15 a month ($12.50 billed yearly), for 100 to 2,000 bank lines.

See plans

Professional services

From $599/mo

A partner bookkeeping firm keeps your books in Zirano for you.

See services

Bookkeepers & accountants

Practice pricing

Run all your clients' books from one login, with pricing that gets cheaper per client as you add more.

See how it works for practices

Questions

Before you import anything.

What do I need to get started?

Your email address to sign in, and a bank statement: a CSV, or a PDF from your bank. Choose your business's currency and import.

Will Adam change my books without asking?

No. Adam can read your books and suggest entries, but every suggestion waits for a person to approve it, and every correction is recorded as a visible reversal.

Can I get my data out?

Yes. Download your profit and loss, balance sheet, trial balance and stock reports as CSV whenever you like.

Can I move my business over from another system?

Yes. Import your chart of accounts and opening balances straight from a Xero or QuickBooks export, then your customers, vendors, products, stock, open invoices and bills from our CSV templates, then your bank and card statements.

Is there a free plan?

Yes. The Free plan has no time limit. It includes up to 20 bank lines a month, invoices, bills, contacts, reports and VAT returns, for the owner and one other person, such as your accountant. Adam and the fixed asset register are on the paid plans.

Does my accountant need their own plan?

No. Your accountant or bookkeeper joins your workspace free, with an accountant view of the full trial balance and journals. Team members are unlimited on every paid plan, and the Free plan includes the owner and one other person, so there's room for your accountant there too.

Does it do quotes, purchase orders and projects?

Yes. Quotes turn into invoices and purchase orders into bills in one click. Projects (on Growth and Scale) show income, costs and profit per job.

What about credit cards?

Add each card as an account and upload its statement (PDF or CSV). Purchases are recorded as spending and what you owe stays reconciled. Live bank and card feeds aren't available yet.

Does it work with my Bahamian bank?

Yes. Upload your statement as a PDF or CSV, from a chequing account or a credit card. Zirano learns your bank’s statement layout once, checks a PDF statement against its opening and closing balances before anything is imported, and skips lines you’ve already imported. Live bank feeds aren’t available yet.

Is it set up for Bahamas VAT?

Yes. Choose monthly or quarterly filing, and Zirano works out each period and its due date (the 21st of the following month, or the large-taxpayer date). It prepares the return from your invoices, bills and bank lines, with every figure traced to its lines. You submit it to the Department of Inland Revenue yourself, and Zirano records it as filed. Zirano prepares VAT returns; it does not give tax advice.

Is my bank statement uploaded somewhere?

No. PDF statements are read in your browser; only the lines you choose to import are saved, plus the statement's column layout so the next one reads automatically.

Your numbers should not keep you up at night.

Import one statement and see this month's books, reconciled.

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