Jmoor categorizes every dollar in and out, matches receipts to transactions on its own, and shows you real profit in real time — pulled straight from your payroll, payments, and sales, not a month-old spreadsheet.
The Problem
It is the third week of the month. You are staring at your business bank account, trying to answer a simple question: Are we making money or losing it?
The money came in. You know that because the balance is higher than it was yesterday. But from where? That e-commerce sale? That invoice you finally collected? That deposit from the client who paid late? And where did it go? The payroll run. The software subscription. The vendor who demanded instant payment. The marketing spend you approved three weeks ago but forgot to log.
You have a general sense that things are okay. Or maybe they are not. You will not know for sure until your accountant sends you the management accounts — next month, or the month after that, whenever they get through the backlog of receipt photographs and spreadsheet fragments you dumped on them.
By then, the moment to act has passed. The overspend is done. The missed opportunity is gone. The tax surprise is baked in.
What delayed financial visibility costs
What It Is
The layer that sits between your payment activity and your accounting truth. Every dollar that enters is tracked, categorized, and understood in real time. Every dollar that leaves is captured, approved, and reconciled before it vanishes.
Payroll, payments, cards, and e-commerce feed directly into one ledger.
Live P&L updates with every transaction. Forecasts project 30-90 days ahead.
One platform. One ledger. One truth — already normalized and structured.
Features
Revenue from every source — e-commerce, invoices, subscriptions, marketplace payouts — tagged with source, currency, COGS, and net margin. See which product line, client, and channel are actually profitable.
Every outgoing payment auto-categorized by merchant, amount, and historical patterns. Map to multiple dimensions: department, project, cost centre, location, grant code. Your accountant does not recode at month-end.
OCR extracts merchant, date, amount, and tax from photographed receipts. Matches to card transactions or bank debits automatically. Flags variances. Chases missing receipts before approval.
Build approval matrices that match your governance. Auto-approve routine subscriptions. Route travel over $500 to managers. Block capital expenditure over $5K until CFO signs off. Escalation paths built in.
Set budgets by category, department, project, or period. Track actual vs. budget in real time. Warn at 80%. Alert at 100%. Optionally block further spend until override. Adjust mid-period when circumstances change.
Projects cash position 30, 60, and 90 days forward based on historical income, scheduled payments, and seasonal trends. Run scenarios: late client payment, new hires, currency shifts. See the gap before it becomes a crisis.
Sell in CAD, USD, EUR, GBP. Track each currency separately with real-time exchange rates. See consolidated figures in your reporting currency. Know which currency is costing you margin and whether pricing needs adjustment.
Every transaction carries its tax treatment. Input tax credits accumulated. Output tax liabilities tracked. Withholding taxes monitored. Export complete, categorized, receipt-attached history in the format your tax authority expects.
Tag income and expenses to specific grants, contracts, or projects. Track burn rate against timelines. Ensure restricted funds are spent only on allowable activities. Generate funder reports down to the line item and receipt.
Bidirectional sync with QuickBooks, Xero, Sage, and more. Transactions flow automatically, pre-coded and pre-categorized. Journal entries created without manual intervention. Reconciliation becomes a review, not a reconstruction.
Every transaction, approval, budget adjustment, and receipt upload logged immutably. Produce a complete audit trail in seconds: who initiated, who approved, when, what document supported it, and which policy governed it.
Your e-commerce checkout processes a sale in London. The revenue appears, tagged in pounds, net of processing fees. Your operations manager pays a supplier in Germany. The expense appears, tagged in euros, matched to the PO. Your payroll runs on Thursday. Labour cost appears by department with employer burden fully loaded.
You open the dashboard on Friday morning. Revenue, costs, margin, cash position, budget health, and forecast trajectory — all current as of ten minutes ago. You make a decision about next month's hiring. You make it with numbers, not with gut.
Built for Your Reality
We know a business in Toronto might have customers in Texas, suppliers in Stuttgart, and contractors in Taipei. We know a non-profit in Vancouver might report to funders in Ottawa and donors in New York. We know a freelancer in Lagos might invoice clients in London and spend in naira, dollars, and pounds in the same week.
The system handles multiple currencies, multiple tax regimes, and multiple reporting standards without forcing you to maintain separate ledgers. Your base currency is your anchor. Everything else converts around it.
Who It Is For
You check your balance at 2 AM wondering if you can afford to hire next month. You need clarity without an accounting degree — on pricing, overspend, and whether software costs more than salaries.
You are responsible for the numbers but always waiting for them. Waiting for e-commerce reports, expense reports, bank statements, payroll summaries. You need live data, pre-categorized and pre-reconciled.
You handle books for five to twenty businesses. Each uses different tools, banks, and card providers. You need multi-tenant access, standardized categorization, and automated reconciliation across every client.
You run day-to-day. You negotiate with vendors, approve travel, manage budgets. You need real-time visibility on whether a project is burning too fast or a department is overspending.
Every dollar came with a restriction. You need to prove research grants paid for research, programme funding paid for delivery, and admin costs stayed within allowable percentages.
Pricing
We do not charge per transaction like a tax on your activity. For organizations using the full Jmoor platform, the Income & Expense Management module is part of the unified subscription.
Included with every Jmoor subscription. Payroll, payments, cards, and financial visibility — unified from day one.
Financial visibility as your entry point. Based on transaction volume, connected accounts, and reporting needs.
You have been running your business with fragmented data, delayed reports, and gut instinct. You deserve a dashboard as smart as the people running it.
