Real accounting.
Real time.
Double-entry GL, invoicing, banking, and reporting in one place. Multi-tenant from day one — switch between companies without juggling logins or spreadsheets.
Books that respect double-entry.
Most "cloud accounting" tools are dressed-up spreadsheets. Ceratine Finance is a real ledger first, with the modern UI second — so when an accountant audits your books, the audit trail actually exists.
- Multi-tenant from day one. One login, every company you own or work with.
- Built on the same core as Ceratine ERP. Outgrow Finance? You're already on the path to ERP.
- Encrypted at rest. Bank account numbers, tax numbers, and API keys never sit in plaintext.
- Built locally. South African team, South African business needs, support in your timezone.
What's Inside
Everything a small business needs to keep its books straight.
Double-Entry Accounting
Real accounting, not a glorified spreadsheet.
Full general ledger, chart of accounts, journals, and fiscal years. Built for accountants, friendly for everyone else.
- General ledger
- Chart of accounts
- Journals & adjustments
- Fiscal years
Invoicing & Quotes
Get paid faster.
Quotes that convert to invoices, credit notes, recurring billing, and built-in payment tracking.
- Quotes → Invoices
- Credit notes
- Recurring billing
- Payment tracking
Purchases & Bills
Money out, tracked properly.
Capture supplier bills, route them for approval, match them to deliveries, and pay them on time. Every cent posts to the ledger.
- Supplier bills
- Approval workflow
- Expense capture
- Bill payments
Banking & Reconciliation
Statements in, balanced books out.
Bank account management, statement imports, and rule-driven reconciliation.
- Bank accounts
- Statement imports
- Rule-driven recon
- Multi-currency
Customers & Suppliers
One ledger, many relationships.
Manage contacts, statements, ageing, and credit limits across every counterparty.
- Contacts
- Statements
- Ageing reports
- Credit limits
Stock & Service Catalog
Sell products. Sell time. Both at once.
Stock ledger with on-hand tracking, plus a dedicated service catalog for time-based billing.
- Stock ledger
- On-hand tracking
- Service catalog
- Time-based billing
Multi-Company
Many books. One login.
Run every company you own or work with from a single account. Data, permissions, and audit trails stay isolated per company — switching between them is one click.
- Per-company isolation
- One login, many books
- Role-based access
- One-click switching
Reports & Dashboards
Numbers you can act on.
Trial balance, P&L, balance sheet, cash flow, ageing — and live dashboards for the moments in between.
- Trial balance
- P&L · Balance sheet
- Cash flow
- Live dashboards
Walk through it step-by-step.
Take the Finance TourBooks that don't require an accountant to read.
Get on the early-access list and we'll be in touch.