Finance Ops Outsourcing for Small Businesses
Finance ops outsourcing for small businesses means handing off your accounts payable, accounts receivable, invoicing, and reconciliation to a dedicated team that runs it all for you. No hiring, no new software to learn, no finance admin on your plate. Sanso does this.
I'm Amalia Bercot, Co-Founder of Sanso. Before starting this company, I spent years at Brevo scaling operations for SMBs. I saw the same pattern everywhere: business owners buried in finance admin they were never meant to do. They'd spend evenings chasing invoices, reconciling payments, and worrying about what slipped through the cracks. We built Sanso to make that problem disappear.
The Problem With Finance Operations at Small Businesses
Small businesses with 5 to 50 employees sit in an uncomfortable gap. You have enough financial complexity to need a dedicated finance person, but not always enough budget to justify a full-time hire. So finance operations fall on the CEO, an office manager without finance training, or a part-time bookkeeper with limited context into your business.
This leads to real financial damage. Supplier invoices pile up unopened. Customers pay late because nobody follows up consistently. Marketplace payouts sit unreconciled for weeks. Duplicate payments slip through. And closing the books each month becomes a stressful scramble.
The cost of doing nothing is not zero. Businesses lose money to unbilled work, overpaid suppliers, and late-payment penalties. They lose time that should go toward sales, product development, and serving customers. According to industry data, small businesses spend ten to fifteen hours per month on manual financial document processing alone. That time is gone forever.
How Sanso Solves Finance Ops for Small Businesses
Sanso is not software you log into. It is a finance operations service powered by AI and backed by human operators. We plug into your existing tools, QuickBooks, Xero, Pennylane, or another accounting platform, and handle everything from there.
After a quick one-time setup where you connect your email and accounting platform, Sanso takes over. We collect your supplier invoices, validate them, route them to your accounting tool, create and send your customer invoices, follow up on late payments, and reconcile your bank and marketplace transactions. You see all results in your own systems, exactly where you already look.
What sets Sanso apart from other outsourced finance operations providers is the mix of AI automation and human judgment. Our AI handles roughly 99% of routine tasks automatically. For the remaining edge cases, disputes, exceptions, weird one-offs, our human operators step in and resolve them completely. Nothing falls through the cracks.
Key Capabilities
Accounts Payable Automation
Sanso collects every supplier invoice automatically, whether it arrives by email, lives on a supplier's website portal, or needs to be chased down. Our AI analyzes each email and attachment to tell real invoices apart from quotes, contracts, and other documents. Only validated invoices reach your accounting platform. We also check for duplicates, incorrect amounts, and VAT issues before anything gets approved for payment.
Accounts Receivable and Collections
Getting paid should not require constant follow-up. Sanso creates invoices on your behalf, submits them into each customer's procurement workflow, and tracks payments in real time. When invoices go overdue, we do not just send automated reminder emails. Our team handles the full back-and-forth: disputes, corrections, reissues, and follow-ups until the money is in your account.
Bank and Marketplace Reconciliation
For businesses selling on marketplaces like Back Market, Mirakl, or MediaMarkt, payout reconciliation is a nightmare. One bank transfer can contain hundreds of individual orders and refunds. Sanso's reconciliation engine matches each transaction automatically, hitting a 99% automated reconciliation rate. The remaining items get flagged for human review and resolution, so your books are accurate and audit-ready.
Supplier Invoice Retrieval From Portals
Many suppliers do not email invoices. They sit behind login portals, waiting for someone to download them manually. Sanso's AI agent logs into supplier websites, navigates to billing sections, and downloads your invoices automatically. No more forgotten invoices from SaaS tools, utilities, or vendors.
End-to-End Finance Admin Execution
Sanso is your outsourced finance operations team. Every task that would normally fall on a finance hire, from collecting supplier invoices to chasing unpaid customer invoices to reconciling marketplace payouts, is handled for you. You get the output of a full finance department without the overhead.
Who This Is For
Founders and CEOs of 5-50 person businesses who are personally handling finance admin or handing it off to someone without finance expertise
Agencies and professional services firms buried in invoices from multiple clients and vendors
B2B businesses dealing with accounts receivable and slow-paying customers
Marketplace sellers wrestling with complex payout reconciliation across platforms like Back Market, Mirakl, or MediaMarkt
Growing companies that need finance operations rigor but cannot justify a full-time finance hire at 80,000 to 130,000 dollars per year
Businesses using QuickBooks, Xero, or Pennylane that want their existing tools to actually work without constant manual input
How It Works
Book a call - We discuss your current finance operations, pain points, and tools you already use. This takes about 30 minutes.
Connect your tools - You connect your email and accounting platform through a simple dashboard. This is a one-time setup that takes minutes.
Sanso takes over - We begin handling your accounts payable, accounts receivable, invoicing, and reconciliation immediately. Our AI processes transactions 24/7, and our human operators handle exceptions as they arise.
You see results in your own tools - Every invoice, payment, and reconciled transaction shows up in your existing accounting platform and bank accounts. Nothing is hidden; you have full visibility without learning a new system.
Results You Can Expect
Clients typically see their internal finance admin time drop to near zero within the first month, because Sanso takes over the work that used to eat ten or more hours per month.
Accounts receivable improves as overdue invoices get consistent, human follow-up instead of ignored automated emails. Days Sales Outstanding goes down. Supplier invoices stop getting lost, which means no more duplicate payments or missed early-payment discounts.
For marketplace sellers, reconciliation goes from a multi-day manual effort to an automated process with 99% accuracy. Your books close faster, cleaner, and with fewer surprises.
Frequently Asked Questions
What is finance ops outsourcing for small businesses? Finance ops outsourcing means delegating your day-to-day financial operations, accounts payable, accounts receivable, invoicing, and reconciliation, to an external team. For small businesses, this replaces the need to hire a full-time finance person while making sure the work actually gets done consistently.
How much does outsourced finance operations cost? Sanso's pricing is outcome-based, tied to real financial operations like invoices processed, payments recovered, and transactions reconciled. Monthly plans range from $300 to $2,000 depending on transaction volume and service scope, significantly less than the $80,000 to $130,000 annual cost of an in-house finance hire.
Do I need to switch my accounting software? No. Sanso works with your existing tools. We integrate with QuickBooks, Xero, Pennylane, Melio, and other platforms. You keep using what you already know.
How is Sanso different from a bookkeeper? A bookkeeper records transactions after the fact. Sanso handles active finance operations: collecting invoices, chasing payments, validating bills, reconciling bank transactions. We do the operational work that prevents financial chaos, not just the record-keeping afterward.
What happens if a customer disputes an invoice? Sanso's team handles the full dispute resolution cycle. We void incorrect invoices, fix amounts or recipient details, reissue corrected invoices, and continue following up until payment is received. This is real human follow-up, not automated dunning emails.
Is my financial data secure? Everything Sanso does is visible in your own accounting platform and bank accounts. We work inside your existing systems, so you maintain full control and visibility over all financial data at all times.
How long does it take to get started? Setup takes minutes. You connect your email and select your accounting platform through a simple dashboard. Sanso begins processing within the same week.
Can Sanso handle marketplace payout reconciliation? Yes. Sanso reconciles payouts from marketplaces including Stripe, Back Market, Mirakl, MediaMarkt, and Refurbed. Our engine hits a 99% automated match rate, with human operators resolving the remaining exceptions.
What if I already have a part-time bookkeeper? Sanso complements existing bookkeepers by handling the operational side, collecting invoices, chasing payments, and reconciling transactions, so your bookkeeper can focus on the books instead of chasing paperwork.
How is Sanso different from accounting software like QuickBooks? QuickBooks and similar tools are platforms you operate yourself. They automate parts of the workflow but still require someone to manage them daily. For example, QuickBooks' email integration uploads any attachment as a bill, including quotes and greeting cards. Sanso intelligently processes only real invoices and handles the complete workflow end to end. Learn more about how Sanso works alongside your accounting setup in our accounts payable automation overview.
Get Started
If finance admin is eating into your week, it does not have to. Sanso handles your entire finance operations workflow so you can focus on what actually grows your business. Book a Call to see how outsourced finance operations can work for your business. The conversation takes 30 minutes, and there is no commitment.
