The 13 Best Financial Outsourcing Solutions for Small and Midsize Businesses
A supplier invoice to retrieve from a portal. A customer payment to match. Three overdue invoices to follow up on. At a small or midsize business, these operations come up every week and can quickly take several hours. A financial outsourcing solution lets you delegate their handling to a provider or automate part of the work.
The offerings in this comparison do not all provide the same service. Some manage cases and intervene when a problem arises. Others provide software to collect invoices, monitor cash flow, or send reminders, while leaving part of the work to the team. Here are thirteen solutions to compare in 2026, including what each handles and what remains your responsibility.
Key takeaways
- Sanso suits small and midsize businesses that want to delegate invoice collection, bank reconciliation, customer invoicing, and unpaid invoice follow-ups, with human supervision when needed.
- Libeo, Yooz, GetMyInvoices, and Dext primarily address needs related to supplier invoices and supporting documents.
- Spendesk and Agicap help organize expenses, payments, and cash flow. Pennylane combines several management and accounting functions.
- LeanPay and Cleavr focus on accounts receivable and debt collection.
- Before choosing, check who handles a missing invoice, a payment that cannot be matched, or a customer disputing a reminder.
The 13 financial outsourcing solutions compared
| Solution | Main need | What the solution does | What remains in-house |
|---|---|---|---|
| 1. Sanso | Delegate routine financial operations | Invoice collection and processing, bank reconciliation, customer invoicing, and unpaid invoice follow-ups, with human supervision | Decisions and approvals that belong to the business |
| 2. Libeo | Manage supplier invoices and payments | Centralizes invoices, organizes approvals, and facilitates payment | Dispute handling and other financial operations |
| 3. Yooz | Automate supplier invoice processing | Captures invoices, extracts data, and routes them through an approval process | Exception supervision and operations outside accounts payable |
| 4. GetMyInvoices | Retrieve scattered invoices | Downloads invoices from portals and other sources, then centralizes them | Document checks and subsequent processing |
| 5. Spendesk | Control business spending | Combines cards, purchasing, expense reports, and supplier invoices | Spending policy management and accounts receivable |
| 6. Agicap | Monitor cash flow and payments | Centralizes cash flow data and offers supplier payment and accounts receivable tools | Variance analysis and cash management decisions |
| 7. Pennylane | Bring together invoicing and accounting | Centralizes purchases, sales, accounting, and financial tracking | Maintaining records and completing actions that are not automated |
| 8. LeanPay | Structure B2B payment reminders | Automates reminder workflows and provides visibility into receivables | Dispute handling and certain collection actions |
| 9. Cleavr | Automate customer collections | Classifies debtor responses and coordinates reminders according to defined rules | Sensitive case supervision and escalation decisions |
| 10. Dext | Prepare accounting documents | Captures supporting documents, extracts data, and facilitates transfer | Finding missing documents and financial management beyond document processing |
| 11. Officéo | Outsource administrative and financial assistance | Provides assistants to manage documents, invoicing, incoming payments, and reminders within the agreed scope | Defining the engagement, approvals, and financial decisions |
| 12. 3h18 | Delegate administration to a freelance office manager | Provides professionals for office management and agreed administrative tasks, on-site or remotely | Priorities, approvals, and tasks outside the assignment |
| 13. TheAssistant | Delegate administrative tasks remotely | Combines qualified assistants with technology and AI to handle requests | Instructions, permissions, and decisions that commit the business |
1. Sanso: outsource everyday financial operations
⭐⭐⭐⭐⭐ (G2)
Sanso serves small and midsize businesses that want to delegate recurring financial tasks without hiring a dedicated employee. Its AI agents collect supplier invoices, match payments with the corresponding invoices, assist with customer invoicing, and track unpaid invoices. Sanso automates up to 95% of operations; the remaining 5% are handled by humans, particularly when a case requires a check or a specific conversation.
This goes beyond providing software. If an invoice is missing, a bank transfer combines several payments, or a customer disputes a reminder, the case does not fall solely on the business's team. The company nevertheless retains the decisions and approvals that belong to it.
👉 Who is it for? Small and midsize businesses that want to delegate several recurring financial operations rather than add a specialized tool for each one.
Delegate your financial operations
Sanso automates up to 95% of the operations it handles and assigns exceptions to humans.
Explore Sanso2. Libeo: manage supplier invoices and payments
⭐⭐⭐⭐⭐ (G2)
Libeo covers the supplier invoice workflow from receipt to payment. The platform extracts information from documents, organizes approvals, and allows payments to be scheduled. It provides visibility into invoices awaiting payment, due dates, and actions already completed.
It is a relevant option when the main problem lies in accounts payable: invoices received by several people, approvals that are difficult to track, or payments prepared at the last minute. However, Libeo does not handle every financial operation at the business. Customer invoices and overdue payments require other processes or tools.
👉 Who is it for? Small and midsize businesses that want a more reliable supplier approval and payment process.
3. Yooz: automate supplier invoice processing
⭐⭐⭐⭐ (G2)
Yooz focuses on automating invoice-related processes. The solution captures documents received through different channels, extracts their data, and routes them through approval workflows. It can also match invoices with purchase orders and receipts when that information is available in the business's tools.
Yooz particularly suits organizations processing a high volume of supplier invoices that want to reduce data entry and interdepartmental email exchanges. The platform supports the finance team's work, while the team remains responsible for supervising exceptions and enforcing approval rules.
👉 Who is it for? Small, midsize, and midmarket businesses whose supplier invoice processing involves several people or review stages.
4. GetMyInvoices: retrieve scattered invoices
⭐⭐ (G2)
Some invoices never arrive in the business's inbox: someone must log in to a supplier portal to download them. GetMyInvoices automates collection from compatible portals, emails, and other sources, then centralizes the documents and can send them to an accounting tool.
The solution addresses a specific problem: gathering documents without returning to numerous websites each month. It does not replace a service responsible for checking amounts, managing payments, or following up with customers.
👉 Who is it for? Small and midsize businesses that spend too much time searching for invoices and supporting documents from many suppliers.
5. Spendesk: control purchasing and business spending
⭐⭐⭐⭐⭐ (G2)
Spendesk brings corporate cards, purchasing, expense reports, and supplier invoices into one platform. Teams can submit an expense, track its approval, and find the associated receipt. Finance managers have rules to control budgets and payments.
Spendesk is especially relevant when spending involves several employees or departments. It helps prevent purchases that are difficult to identify and receipts requested long after payment. The business still needs to define policies, approve exceptions, and manage financial operations outside this scope.
👉 Who is it for? Small, midsize, and midmarket businesses seeking greater control over employee spending.
6. Agicap: manage cash flow and organize payments
⭐⭐⭐⭐ (G2)
Agicap helps businesses monitor cash flow using banking and financial data centralized in the platform. Its offering also includes functions for supplier payments and accounts receivable tracking.
The solution addresses a need for visibility into cash inflows and outflows, particularly when several accounts or entities make monitoring difficult. It supports decision preparation, but the team must still make those decisions: analyzing a cash flow variance, changing a forecast, or prioritizing a payment requires more than consulting a dashboard.
👉 Who is it for? Small, midsize, and midmarket businesses that want more reliable cash flow forecasts and structured payment flows.
7. Pennylane: bring together invoicing, accounting, and financial tracking
⭐⭐⭐ (G2)
Pennylane centralizes customer and supplier invoices, accounting data, bank transactions, and cash flow tracking. The business and its accountant can work from the same information without repeatedly exchanging files.
It is a coherent choice for a small or midsize business seeking a shared management and accounting tool. However, a function being available in software is different from someone executing it every day: certain documents still need checking, discrepancies need resolving, and stalled cases need attention.
👉 Who is it for? Businesses that want to centralize financial data and collaborate more easily with their accountant.
8. LeanPay: structure B2B reminders and receivables tracking
⭐⭐⭐⭐⭐ (Capterra)
LeanPay focuses on accounts receivable. The platform centralizes receivables, allows reminder workflows to be created, and gives the team visibility into overdue payments. Reminders can be automated according to rules set by the business.
It is a relevant solution when invoices are issued correctly but follow-up after the due date is inconsistent. LeanPay helps organize that work; the finance team remains involved in investigating certain delays, handling disputes, and deciding what happens next in sensitive cases.
👉 Who is it for? Small, midsize, and midmarket businesses managing a high volume of B2B customer invoices.
9. Cleavr: automate collection conversations with AI
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Cleavr offers an AI-focused approach to monitoring receivables and conducting payment follow-ups. The solution can analyze debtor responses, adapt subsequent actions, and organize different workflows according to the customer's situation.
It suits businesses that want to automate more than a series of identical emails. However, its scope remains collections: Cleavr does not replace a solution responsible for collecting supplier invoices, reconciling all bank transactions, or managing other financial operations.
👉 Who is it for? Businesses seeking to structure payment follow-ups at scale and handle incoming responses faster.
10. Dext: prepare documents for accounting
⭐⭐⭐⭐⭐ (G2)
Dext captures invoices, receipts, and other supporting documents, then extracts information useful for accounting. Documents can be sent to the software used by the business or its accounting firm.
The solution addresses documents that need finding, entering, and filing. It can reduce accounting preparation work, but its role stops short of much of everyday financial management: tracking incoming payments, resolving payment discrepancies, and following up on unpaid invoices.
👉 Who is it for? Small and midsize businesses that want easier document collection and transfer to accounting.
11. Officéo: outsource administrative and financial assistance
❌ No rating yet
Officéo supports businesses from SMBs to large enterprises through independent assistants working on-site or remotely. Depending on the agreed scope, the service can cover accounting document preparation, invoicing, payment tracking, and customer reminders. It can also extend to purchasing, human resources, or sales administration.
Its appeal lies in its ability to combine several administrative needs in one service. A business can delegate invoice tracking while strengthening its administrative organization. However, it must precisely define assigned cases, expected results, and required approvals: the work actually performed depends on the agreed service.
👉 Who is it for? Small and midsize businesses, midmarket companies, and large enterprises seeking outsourced administrative assistance that can include financial tasks, with interventions adapted to their organization.
12. 3h18: work with a freelance office manager
❌ No rating yet
3h18 provides outsourced office managers and other administrative professionals to work on-site or remotely. A small or midsize business can engage a freelancer a few days per week to track cases, organize documents, and handle the administrative tasks included in the assignment.
This approach suits needs that extend beyond invoice management. An office manager provides regular human support, coordinating several topics and working with existing teams. For financial operations, specify the skills needed and responsibilities assigned: general office management does not necessarily require the same profile as accounting assistance.
👉 Who is it for? Small and midsize businesses that want to delegate a range of administrative tasks to a freelance office manager without immediately creating a full-time position.
13. TheAssistant: combine qualified assistants with technology
⭐⭐⭐⭐ (Trustpilot)
TheAssistant lets businesses delegate remote tasks to a team of qualified assistants based in France, supported by technology and AI. Its SMB offering covers varied administrative needs, with people handling requests rather than processing based solely on software.
It is an option when the tasks to delegate change from week to week: case tracking, information research, organization, or administrative assistance. For recurring financial needs, agree in advance on accepted operations, required access, and expected approvals. Match the service's versatility against the level of specialization needed.
👉 Who is it for? Small and midsize businesses seeking remote administrative assistance combining human involvement and technology.
Which solution should you choose for the tasks you want to delegate?
Start with what takes time every week. A cash flow tool will not solve missing invoices; reminder software will not help check supplier payments.
| Situation | Solutions to consider |
|---|---|
| Several financial operations fall on the business owner or office manager | Sanso, to delegate recurring financial tasks |
| Supplier invoices are difficult to retrieve, check, or process | Sanso to delegate handling; Libeo or Yooz to equip the team responsible for the process |
| Invoices and supporting documents are scattered across portals and emails | Sanso to delegate collection; GetMyInvoices or Dext to automate it within a tool |
| Employee purchases and expense reports are difficult to control | Spendesk, to manage spending and approvals |
| Payments are difficult to match with the correct invoices | Sanso, to delegate bank reconciliation |
| Cash flow forecasts are unreliable | Agicap, to centralize data and monitor forecasts |
| The business and its accountant work in separate tools | Pennylane, to share accounting and financial data |
| Customer invoices go out late or payments are poorly tracked | Sanso to delegate invoicing and payment tracking; LeanPay or Cleavr if the main need is reminders and collections |
| The business wants to outsource a range of administrative and financial tasks | Officéo, to provide assistants within a defined scope, from SMBs to large enterprises |
| The business needs an office manager a few days per week | 3h18, to assign office management and agreed administrative tasks to a freelancer, on-site or remotely |
| The business wants to delegate varied administrative requests remotely | TheAssistant, to access qualified assistants supported by technology and AI |
With Sanso, outsource financial work instead of adding another tool
Software can retrieve an invoice or schedule a reminder. But when a document is missing, a payment does not match the expected amount, or a customer disputes an invoice, someone must examine the case and decide what happens next.
Sanso automates up to 95% of the financial operations it handles. The remaining 5% are assigned to humans. The service covers supplier invoice collection and processing, customer invoicing, bank reconciliation, and unpaid invoice follow-ups. The business retains visibility into its cases and the approvals that belong to it.
Delegate your financial operations
Sanso automates up to 95% of the operations it handles and assigns exceptions to humans.
Explore Sanso