Siidai

The back office for small businesses.

Agents do the back-office work. You set the rules. Bookkeeping and VAT are already handled, and a professional is one question away.

A small-business owner using her phone at her shop counter, with a receipt beside her.

THE OWNER IS THEIR OWN BACK OFFICE

  1. Book the receipts and bank statements.
  2. Invoice and chase payments.
  3. File the returns and stay compliant.
  4. Wait weeks for customers to pay.
  5. Pay suppliers out of your own cash.
  6. Answer customer messages.

All by hand.
Cash always tight.

THREE PILLARS

AI assembles the numbers. Siidai makes them official.

The agents do the groundwork. On top of it, Siidai carries what a business can’t leave to a prompt: its legal obligations and its cash.

01 · TRUSTLive

Statutory obligations

Books and VAT done, reviewed and signed off by a professional.

02 · TIME TO PAYComing

Payables financing

One tap on a purchase invoice: the supplier is paid now, you pay later.

03 · CASH NOWComing

Receivables financing

One tap on a sales invoice: cash in your account now, the financier collects.

Financing will come through licensed partners.

HOW IT WORKS

  • Forward the statement.
  • Snap the receipt.
  • Drop in the invoice.
  • Agents match every payment and explain why.
  • You decide. Siidai does the work.
Revontuli Labs Oy···
Bank connectionsNordea and OP connected. No failures.
Refresh status
August 20262 to review · 19 reconciledOpen
31 AugStripe · August settlement+€28,460Reconciled
31 AugNordea · Account service fee−€18Reconciled
30 AugHetzner Online · August cloud hosting−€2,486.40Reconciled
29 AugNotion Labs · Team subscription−€216Reconciled
28 AugStudio Meridian Oy · Invoice 2026-0826−€1,240Needs review
27 AugGoogle Workspace · August subscription−€174.40Reconciled
26 AugStripe · Payout STR-0826+€16,782.65Reconciled
25 AugElisa · Business broadband−€109Reconciled
24 AugLinear · Product team−€128Reconciled
22 AugWise · Transfer fee−€12.80Reconciled
21 AugNordic Analytics Oy · Invoice NA-2026-08+€8,400Reconciled
20 AugTaksi Helsinki · Client meeting−€24.60Reconciled
18 AugGitHub · Team plan−€84Reconciled
17 AugStripe · Payout STR-0817+€12,408.12Reconciled
15 AugFigma · Professional plan−€192Reconciled
14 AugKasvu Partners Oy · Management services−€6,500Needs review
12 AugDNA · Mobile plan−€38.15Reconciled
10 AugNordea · International transfer fee−€25Reconciled
08 AugSlack · Business subscription−€156Reconciled
05 AugPRH · Trade register extract−€5.50Reconciled
03 AugStripe · Payout STR-0803+€19,260Reconciled
Hetzner Online · August cloud hosting
Matched · confirmedHetzner-Aug-2026.pdfAug 30, 2026
CounterpartyHetzner Online GmbHAmount€2,486.40ALVReverse charge, 25.5% recorded
Why this match€2,486.40 paid on 30 August. Matched to the August Hetzner invoice by amount and reference number; no difference. EU service purchase, so reverse-charge ALV is recorded.
Audit trailReconciled
Reconciled: the evidence and the accounting record agree.
✓Evidence received: Hetzner-Aug-2026.pdf.Siidai · Aug 31, 2026, 09:14 EESTReceived through email.
✓Bank line imported from Nordea business account.Siidai · Aug 31, 2026, 09:15 EESTImported through the bank connection.
✓Matched to Hetzner-Aug-2026.pdfSiidai · Aug 31, 2026, 09:15 EESTSupplier, reference and amount agree. Difference: €0.00.
✓Suggested: IT services, cloud hostingSiidai · Aug 31, 2026, 09:15 EESTRecurring infrastructure cost for the production platform.
✓CommentLaura Virtanen, KLT · Aug 31, 2026, 09:22 EESTInvoice and payment checked. Reverse charge applies. Confirmed.
✓Posted to the ledger.Siidai · Aug 31, 2026, 09:23 EEST
✓Settled in the books.Siidai · Aug 31, 2026, 09:23 EEST
Explain this matchSuggest alternativesReject this match…Open document
Ask about this transaction. Cmd/Ctrl+Enter to send.→
You sendNordea statement, August
Siidai finds€1,240 to Studio Meridian Oy, matched to invoice 2026-0826
And explains whySame amount, same payee, same reference number.

WHAT STILL NEEDS YOU

  • Most of the month is done before you look.
  • What’s left is what only you know.
  • What a payment was for.
  • Where a receipt went.
  • Whether to approve.
August needs you for 3 thingsEverything else is done
Receipt missingWolt · €86.20 · 14 Aug
Add photo
What was this for?Ravintola Savoy · €312.00 · 21 Aug
Client dinner
Approve to payStudio Meridian Oy · €1,240.00 · due 2 Sep
Approve
Hetzner Online · August cloud hosting
Matched · confirmedHetzner-Aug-2026.pdfAug 30, 2026
CounterpartyHetzner Online GmbHAmount€2,486.40ALVReverse charge, 25.5% recorded
Why this match€2,486.40 paid on 30 August. Matched to the August Hetzner invoice by amount and reference number; no difference. EU service purchase, so reverse-charge ALV is recorded.
Audit trailReconciled
Reconciled: the evidence and the accounting record agree.
✓Evidence received: Hetzner-Aug-2026.pdf.Siidai · Aug 31, 2026, 09:14 EESTReceived through email.
✓Bank line imported from Nordea business account.Siidai · Aug 31, 2026, 09:15 EESTImported through the bank connection.
✓Matched to Hetzner-Aug-2026.pdfSiidai · Aug 31, 2026, 09:15 EESTSupplier, reference and amount agree. Difference: €0.00.
✓Suggested: IT services, cloud hostingSiidai · Aug 31, 2026, 09:15 EESTRecurring infrastructure cost for the production platform.
✓CommentLaura Virtanen, KLT · Aug 31, 2026, 09:22 EESTInvoice and payment checked. Reverse charge applies. Confirmed.
✓Posted to the ledger.Siidai · Aug 31, 2026, 09:23 EEST
✓Settled in the books.Siidai · Aug 31, 2026, 09:23 EEST
Explain this matchSuggest alternativesReject this match…Open document
Ask about this transaction. Cmd/Ctrl+Enter to send.→

ONE TAP

Coming

One tap on the invoice. Cash in your account now.

Send a sales invoice and Siidai offers to get you paid now. Approve a purchase invoice and Siidai offers time to pay. You decide, in one tap.

Coming, through licensed financing partners.

Sales invoice 2026-0931Coming
Kahvila Sammalkivi Oy€4,800.00Payment terms 30 days
Siidai offersReceivables financing
Get paid now ↗
And explainsSammalkivi has paid its last 12 invoices on time.

RULES

Agents do the work. You set the rules.

Decide once what the agents do on their own and what they ask you first. Every agent action shows in the audit trail: the reason, the evidence and the approver.

Your rulesExample
Receipt missingLive
Ask me
Payment remindersComing
Send automatically
Credit notes over €500Coming
Ask me
New supplierComing
Always ask
Receivables financingComing
Invoices over €2,000
Customer complaintComing
Pass to me

WHEN IT GETS TRICKY

  • Something doesn’t look right?
  • Ask from the transaction itself.
  • A professional already has it open.
  • No emails.
  • No explaining it twice.

Lawyers for contract matters too. Coming

Studio Meridian Oy · paid 28 Aug · Nordea ••4021€1,240.00
You asked · 10:42Did we pay Meridian twice this month?
Laura Virtanen, KLT · 10:46Once. The invoice covers September’s work, so it’s a prepayment, not August’s cost. I’ve moved it.
Account
Professional fees, AugPrepaid expenses, Sep
Change and reason saved to the audit trail.

PACE

A new capability every week.

The way in is live today. The order of what comes next follows what customers use.

Live now

  • Bookkeeping and matching
  • VAT and reports
  • Ask a pro
  • Accounting firm workspace and client portal

Coming

  • Invoicing and reminders
  • Purchase invoices and approval
  • Customer relationships (CRM)
  • Customer service
  • Supplier relationships
  • Contract register
  • AML tools
  • One-tap invoice financing
  • Lawyers for contract matters

AGENTS INCLUDED

  • A tilitoimisto at €250 a month.
  • A software package at €75, billed yearly.
  • Agents do the work now.
  • So we pass that on.

€20

a month. Really.

Comparison based on typical tilitoimisto pricing for a small Finnish osakeyhtiö, 2026.

PLANS

  • Same agents.
  • Same pros in the app.
  • Same audit trail.
  • Only the volume changes.

Monthly, in euros, plus ALV 25.5%. Agents included. No automatic overage charges.

DIY

Run one company yourself.

1 company
100 transactions / month

€20/ month

Start DIY↗

Standard

Regular monthly activity.

1 company
300 transactions / month

€39/ month

Start Standard↗

Plus

Higher transaction volume.

1 company
1,000 transactions / month

€79/ month

Start Plus↗

Portfolio

Groups and several companies.

5 companies
2,500 transactions / month, pooled

€149/ month

Start Portfolio↗

Stuck? Ask a pro. Pay per question.

On every plan, only when you ask. You see the price before anyone starts.

Want it done for you? Monthly review from €199.

A professional reviews your whole month, per company, with scope agreed up front.

YOUR EVENINGS BACK

  • Evenings on receipts.
  • Weekends on month-end.
  • Siidai does the work.
  • Make time for your life.

Bring one company. See what Siidai takes off your plate in the first month.

Start for €20/month ↗