# Zinance

> Bookkeeping that closes daily. Modern back-office for ambitious, fast-growing companies: daily books, dedicated team on Slack, 10-minute response times, full tax handling.

Zinance runs your full back-office finance function for funded startups, SMBs, and growing companies: daily-closed books, live runway and burn dashboards, startup tax and R&D credits, and fractional-CFO support. US-based. Live in 7 business days, no long-term contracts, and your books belong to you.

## Core pages
- [Homepage](https://www.zinance.co/): What Zinance does, who it's for, how it works
- [Pricing](https://www.zinance.co/pricing): Bookkeeping from $349/month; plans and add-ons
- [Why Us](https://www.zinance.co/why-us): Differentiation vs. traditional firms

## Services
- [Daily Bookkeeping](https://www.zinance.co/services/bookkeeping): Books updated every single day, 1,000+ KPI live dashboard
- [AR & AP](https://www.zinance.co/services/ar-ap): Automated invoicing, payments, reconciliation
- [Tax & Compliance](https://www.zinance.co/services/tax): Federal, state, Delaware franchise. R&D credits.
- [Research & Development](https://www.zinance.co/services/research-development): R&D tax credit identification + claim
- [Fractional CFO](https://www.zinance.co/services/fractional-cfo): Custom financial models, board pack, diligence
- [HR & Payroll](https://www.zinance.co/services/payroll): Multi-country payroll + equity comp

## Industries served
- [SaaS](https://www.zinance.co/industry/saas)
- [Professional Services](https://www.zinance.co/industry/professional-services)
- [Startups](https://www.zinance.co/industry/startups)
- [E-Commerce](https://www.zinance.co/industry/e-commerce)
- [PE/VC Funds](https://www.zinance.co/industry/pe-vc-funds)
- [Non-Profit](https://www.zinance.co/industry/non-profit)

## Articles
### Bookkeeping
- [Cash vs accrual accounting: which method should your company use?](https://www.zinance.co/blog/cash-vs-accrual-accounting): Both methods report the same total over the life of a contract. They disagree about when. That disagreement is what shows up in your monthly numbers, your board deck, and your first audit.
- [How to close your books in under a week](https://www.zinance.co/blog/close-books-in-a-week): A slow close is usually a batching problem, not a software problem. Reconcile continuously and month-end becomes a review instead of a reconstruction. Here is the playbook, and what the benchmark data actually supports.
- [How to structure a chart of accounts for a fast-growing company](https://www.zinance.co/blog/chart-of-accounts): Your chart of accounts is the schema every financial report inherits. Here is how to build one that survives growth: the five account types, the gross margin line that differs by segment, and a numbering skeleton you can adopt today.
- [The month-end close checklist](https://www.zinance.co/blog/month-end-close-checklist): A repeatable month-end close: reconcile accounts, book accruals, review the P&L, and lock the period, in the order that actually works. Free Excel checklist, no email required.
- [How much does startup bookkeeping cost? A verified 2026 price breakdown](https://www.zinance.co/blog/startup-bookkeeping-cost): Published prices run from $99/mo for AI-only books to $1,500/mo at the top of a founder-focused tier. Here is what each model costs, checked against every provider's own pricing page in July 2026.
- [Bookkeeping for funded startups: what changes after you raise](https://www.zinance.co/blog/bookkeeping-for-funded-startups): After a raise, "the books are done" is no longer the bar. "I can trust this number this week" is. Here is what funded startups actually need from bookkeeping, and how to spot it in a provider.
- [Automated accounting for early-stage startups: what AI handles, what a human still does](https://www.zinance.co/blog/automated-accounting-early-stage-startups): Zero-touch accounting means software categorizes and reconciles your books daily so they stay current, but the judgment calls still need a human. Here is what to automate, and where to keep a person in the loop.
- [Real-time bookkeeping: what a daily close actually changes](https://www.zinance.co/blog/real-time-bookkeeping): Most bookkeeping runs on a monthly cycle, so your numbers are three weeks old when you need them. A daily close is not a faster version of the same thing. It changes which decisions you can make.
- [AI bookkeeping: can you trust software with your books?](https://www.zinance.co/blog/ai-plus-human-bookkeeping): AI-only bookkeeping is fast and cheap right up to the point where it is wrong, which is usually in a data room. Here is what software genuinely does well, and the four places it fails.
- [One firm for books, tax, R&D and CFO, or separate providers?](https://www.zinance.co/blog/all-in-one-books-tax-rd-cfo): Most startups end up with three finance vendors who do not talk to each other. Here is what that costs in practice, and when splitting the work is genuinely the right call.
- [Do you actually own your books? The question to ask before you sign](https://www.zinance.co/blog/you-own-your-books): Bench's 2024 shutdown cut thousands of businesses off from their own records overnight. Data portability is not paperwork, it is the difference between a vendor problem and your problem.
- [Accounting software or a bookkeeping service: which do you need?](https://www.zinance.co/blog/bookkeeping-software-vs-service): QuickBooks is a tool, not a bookkeeper. Here is where software alone stops working for a funded company, and what the real cost comparison looks like once your time is in it.
- [The best bookkeeping services for VC-backed startups (2026)](https://www.zinance.co/blog/best-bookkeeping-for-vc-backed-startups): Seven providers compared on what actually differs: entry price, whether a human is included, close cadence, and whether tax and R&D credits come with it. All prices read from each provider's own live pricing page.
- [Outsource finance or hire in-house? The number that decides it](https://www.zinance.co/blog/outsource-vs-in-house-finance): Most founders decide this on instinct. There is a cleaner test: compare your outsourced spend against the fully loaded cost of the smallest in-house team that would replace it.
- [How to switch bookkeeping providers without dropping a month](https://www.zinance.co/blog/switch-bookkeeping-providers): The fear that keeps founders with a provider they have outgrown is a gap in the records at the worst moment. The handover is a defined process, and the gating item is access, not calendar time.
- [Bookkeeping for SaaS companies: what breaks and how to set it up](https://www.zinance.co/blog/bookkeeping-for-saas-companies): SaaS books break in four predictable places: deferred revenue, the difference between bookings and revenue, commissions, and gross margin. Here is how to set them up so they hold at diligence.
- [Gusto vs Rippling: which payroll fits your startup?](https://www.zinance.co/blog/gusto-vs-rippling): Both run payroll well. They are built for different problems: Gusto is payroll and benefits done simply, Rippling is a workforce platform where payroll is one module. Here is how to choose.
- [Bookkeeping for ecommerce: inventory, COGS and the payout problem](https://www.zinance.co/blog/bookkeeping-for-ecommerce): Ecommerce books break on three things a service business never meets: inventory as an asset, the gap between a sale and a payout, and sales tax nexus. Here is how to set each one up.
- [Bookkeeping for agencies and professional services firms](https://www.zinance.co/blog/bookkeeping-for-agencies): Agency books turn on three things: revenue recognised as work is delivered rather than invoiced, pass-through costs that are not revenue, and utilisation, the number that actually predicts profit.

### Fractional CFO
- [How much does a fractional CFO cost?](https://www.zinance.co/blog/fractional-cfo-cost): Published rates from named firms range from $175 to $500 an hour, with monthly retainers commonly quoted between $3,000 and $16,000. Here is what the sources actually say, and why they disagree.
- [When should you hire a fractional CFO?](https://www.zinance.co/blog/when-to-hire-fractional-cfo): The trigger is usually a decision rather than a revenue number: a raise on the horizon, a major call to make, or a board question the current reporting cannot answer.
- [Bookkeeper vs accountant vs fractional CFO: who does what, and when each layer matters](https://www.zinance.co/blog/bookkeeper-vs-accountant-vs-cfo): A bookkeeper records transactions, an accountant verifies accuracy and compliance, and a fractional CFO drives strategy. Here is how the three roles differ, what each one actually costs, and how they layer as a company grows.
- [Fractional CFO services for startups: what they cover and what they cost](https://www.zinance.co/blog/fractional-cfo-services): A fractional CFO gives you senior finance leadership part-time. Here is what the engagement actually covers, what published rate cards charge, and how it compares to a full-time hire.
- [What does a fractional CFO actually do?](https://www.zinance.co/blog/what-does-a-fractional-cfo-do): A fractional CFO owns the forward-looking finance work: the model, runway, board reporting, and fundraising. Here is the concrete list, what they do not do, and why the boundary matters.
- [Do you need a fractional CFO or just a better bookkeeper?](https://www.zinance.co/blog/fractional-cfo-vs-bookkeeper): If you do not trust your numbers, that is a bookkeeping problem and a CFO will not fix it. If you trust them but cannot answer what happens next, that is the CFO gap. Here is how to tell which one you have.
- [Fractional CFO for SaaS startups: what a generalist will miss](https://www.zinance.co/blog/fractional-cfo-for-saas): SaaS finance breaks in specific places: revenue recognition, commission amortisation, and software capitalisation. Here is the work a SaaS CFO does that a generalist does not know to look for.
- [Fractional CFO in San Francisco: what the Bay Area premium actually is](https://www.zinance.co/blog/fractional-cfo-san-francisco): SF finance salaries run about 31% above the national average while the cost of living runs 15.6% above. That gap, not the rent, is the real argument for going fractional here.
- [Fractional CFO in San Jose and Silicon Valley](https://www.zinance.co/blog/fractional-cfo-san-jose): San Jose carries the highest finance labour premium in the country, about 46% above the national average. Here is what that means for South Bay startups deciding between fractional and full-time.
- [Controller vs CFO: which one does your company actually need?](https://www.zinance.co/blog/controller-vs-cfo): A controller owns accuracy and the close. A CFO owns capital, the forecast and the board. Here is the split by stage, the sequence most companies follow, and why a CFO hired too early ends up doing reconciliations.

### Fundraising
- [What belongs in a board reporting package (and how to build one)](https://www.zinance.co/blog/board-reporting-package): A board pack exists so the meeting can be about decisions instead of discovery. That single idea decides what goes in it, how long it runs, and when it has to land. Here is the structure, the send-ahead discipline behind it, and the failure modes that quietly cost you a board's trust.
- [The Series A audit-readiness checklist](https://www.zinance.co/blog/series-a-audit-readiness): What to have on the shelf before diligence: accrual books, an ASC 606 revenue policy, a reconciled cap table, signed contracts, and clean statements, in dependency order.
- [Investor-ready monthly financials: what they are and how to produce them](https://www.zinance.co/blog/investor-ready-monthly-financials): An investor-ready monthly package is accrual, GAAP-ready statements plus the metrics investors track: burn, runway, and ARR, delivered within days of month-end. Here is what goes in it, and why timing beats polish.
- [Do you need a CFO before your Series A?](https://www.zinance.co/blog/fractional-cfo-before-series-a): You do not need a full-time CFO to raise a Series A, and hiring one early is expensive. What you need is diligence-ready books and someone who can defend the model in the room.
- [What investors expect from your finances at seed vs Series A](https://www.zinance.co/blog/what-investors-expect-seed-vs-series-a): Seed diligence is light and mostly about the story. Series A is where someone reads the books. Here is what changes between the two, and what to fix before it does.

### Startup taxes
- [Why is my Delaware franchise tax so high (and how to recalculate it)?](https://www.zinance.co/blog/delaware-franchise-tax-high): That five-figure notice is Delaware's authorized shares assessment, the only calculation the state can run without your numbers. Recalculating under the Assumed Par Value Capital Method often lowers it, sometimes to the $400 minimum, but the result scales with your assets.
- [Does a pre-revenue company still have to file taxes?](https://www.zinance.co/blog/pre-revenue-startup-taxes): Yes. A US C-corporation files a federal return every year even at $0 revenue, and Delaware, state, payroll and information-return obligations run on their own calendars. Here is who owes what, and who does not.
- [Stop missing tax deadlines: how startups automate filing and compliance](https://www.zinance.co/blog/startup-tax-deadline-automation): Startups juggle a stack of deadlines across federal, state, Delaware, payroll, and 1099s, and missing one means penalties. Here is the stack most founders miss, and how to automate it. Even a pre-revenue C-corp has to file.
- [The 83(b) election: the 30-day deadline founders miss](https://www.zinance.co/blog/83b-election-explained): An 83(b) election taxes restricted stock now, while it is worth almost nothing, instead of at each vesting date. It must be filed within 30 days of transfer, and there is no general late relief.

### Metrics
- [Burn multiple is the number your VC is actually grading you on](https://www.zinance.co/blog/burn-multiple-vc-metric): Burn multiple = net burn ÷ net new ARR. It measures how efficiently you turn cash into growth, and on Sacks' own scale anything under 1.5x is great. Here's how to read and improve it.
- [Net revenue retention: how to calculate NRR, and what good actually looks like](https://www.zinance.co/blog/net-revenue-retention): NRR = (starting ARR + expansion - contraction - churn) / starting ARR, same cohort, no new logos. Here is the arithmetic, the definitional traps, and what the published benchmark data actually shows.
- [How to track financial KPIs for your startup (and keep them current)](https://www.zinance.co/blog/track-financial-kpis-startup): The financial KPIs a funded startup should track live are cash, burn, runway, ARR, gross margin, and burn multiple. The hard part is not the list, it is keeping them from going three weeks stale.

### Tax news
- [QSBS after OBBBA: what the 2025 changes actually say](https://www.zinance.co/blog/qsbs-2025-changes): The new 50/75/100% tiers and the $15M cap turn on stock acquired after July 4, 2025. Only the $75M asset ceiling turns on stock issued after that date. And a large share of companies are not eligible for section 1202 at all.
- [OBBBA and R&D expensing: what section 174A actually changed](https://www.zinance.co/blog/2025-obbba-startup-tax-changes): The One Big Beautiful Bill Act restored immediate deduction of domestic research costs from 2025 onward. Here is what changed, what did not, and where the section 41 credit and QSBS actually sit.

### Tax credits
- [The R&D tax credit, explained: the payroll tax offset, the forms, and what 2025 changed](https://www.zinance.co/blog/r-and-d-tax-credit): The R&D tax credit (IRC Sec. 41) rewards research performed in the United States. A company that meets the qualified small business gates — most startups do — can apply up to $500,000 a year against employer payroll taxes, pre-revenue and unprofitable, for a maximum of five tax years. Who qualifies, the forms, and how much you can actually claim.
- [R&D tax credit software for startups: 7 options compared](https://www.zinance.co/blog/r-and-d-tax-credit-software-startups): You can automate most of the R&D tax credit. Software flags qualifying wages and expenses as they happen, but the claim still needs a human to document and defend it. Here is the line between the two.

### Cash flow
- [How to build and run a 13-week cash flow forecast](https://www.zinance.co/blog/thirteen-week-cash-flow-forecast): A 13-week cash flow forecast is the working document that tells you which week your cash breaks. Here is the row structure, the weekly cadence, and the variance discipline that makes it real.

### Bench exodus
- [Bench shut down, then came back: what it taught us about owning your books](https://www.zinance.co/blog/bench-shutdown-survival-guide): On December 27, 2024, a bookkeeping provider that had raised $113M went dark two days before year-end. Bench relaunched weeks later and is selling today under Mainstreet. Here is what the episode should change about how you buy bookkeeping, and the checklist to keep if a provider ever goes dark on you.

### Runway & burn
- [What is a good burn rate? Judge it by the runway it leaves](https://www.zinance.co/blog/good-burn-rate): There is no universal dollar figure for a good burn rate. The same number is healthy for one company and reckless for another. What decides it is the runway it leaves you and the milestone you have to reach on that cash.

### Accounts Receivable
- [AR Aging Report: How to Read It, What Good Looks Like, and a Free Template](https://www.zinance.co/blog/accounts-receivable-aging-report): Read the 90+ bucket first, benchmark against roughly 88 percent current, and turn the report into a weekly cadence instead of a monthly glance. Includes a free, ungated Excel template.

### Cash Flow
- [Accounts Payable Aging Report: Template, Buckets, and What It Tells You](https://www.zinance.co/blog/accounts-payable-aging-report): What you owe, sorted by how long you have owed it. How to read the buckets, why the 30-day assumption misleads, and when an early-payment discount actually beats holding the cash.

## Free calculators
- [Break-even calculator](https://www.zinance.co/break-even-calculator): Work out how many units you need to sell each month before you make a cent, and what that means in revenue.
- [Burn rate & runway calculator](https://www.zinance.co/burn-rate-calculator): Enter your cash, spend, and collections to get gross burn, net burn, and the month your cash runs out.
- [Delaware franchise tax calculator](https://www.zinance.co/delaware-franchise-tax-calculator): Delaware bills you under whichever method you file. For most startups the difference between the two is tens of thousands of dollars.
- [R&D tax credit calculator](https://www.zinance.co/rd-tax-credit-calculator): Estimate your federal research credit under the Alternative Simplified Credit, and how much of it can offset payroll tax.
- [1099 vs W-2 cost calculator](https://www.zinance.co/1099-vs-w2-calculator): A W-2 hire costs more than the salary. This works out the fully loaded number, and the contractor rate it breaks even against.
- [Gross margin calculator](https://www.zinance.co/gross-margin-calculator): The same formula, two different sets of inputs. Software margin turns on cost of revenue; e-commerce margin turns on landed cost, fulfilment and returns.
- [Inventory turnover calculator](https://www.zinance.co/inventory-turnover-calculator): How many times you sell through your stock, how many days it sits, and how much cash one extra turn would release.
- [Cash conversion cycle calculator](https://www.zinance.co/cash-conversion-cycle-calculator): How many days your cash is tied up between paying for what you sell and collecting for it, and what a day off the cycle is worth.
- [DSO calculator](https://www.zinance.co/dso-calculator): DSO on its own says nothing. What matters is the gap between it and the terms you invoice on, and what that gap costs in cash.
- [Working capital calculator](https://www.zinance.co/working-capital-calculator): Three numbers get called working capital and they answer different questions. This computes all three, including the change that consumes cash as you grow.
- [SAFE conversion calculator](https://www.zinance.co/safe-conversion-calculator): The cap and the discount decide the price. What founders need is the other number: how much of the company is left afterwards.

## Comparisons
- [Zinance vs Pilot: a full comparison for fast-growing companies](https://www.zinance.co/compare/zinance-vs-pilot)
- [Zinance vs Zeni: a full comparison for fast-growing companies](https://www.zinance.co/compare/zinance-vs-zeni)
- [Zinance vs Kruze Consulting: a full comparison for fast-growing companies](https://www.zinance.co/compare/zinance-vs-kruze)
- [The best Bench alternatives for startups (2026)](https://www.zinance.co/compare/bench-alternatives)
- [Zinance vs Bench: which fits a funded startup?](https://www.zinance.co/compare/zinance-vs-bench)
- [The best Pilot alternatives for fast-growing companies (2026)](https://www.zinance.co/compare/pilot-alternatives)
- [The best inDinero alternatives for growing companies (2026)](https://www.zinance.co/compare/indinero-alternatives)

## Glossary
92 startup-finance terms, each with a worked example and a cited benchmark.
- [Burn multiple](https://www.zinance.co/glossary/burn-multiple)
- [Burn rate](https://www.zinance.co/glossary/burn-rate)
- [Runway](https://www.zinance.co/glossary/runway)
- [Default alive vs default dead](https://www.zinance.co/glossary/default-alive-vs-default-dead)
- [Zero cash date](https://www.zinance.co/glossary/zero-cash-date)
- [Startup financial model](https://www.zinance.co/glossary/financial-model)
- [Customer acquisition cost (CAC)](https://www.zinance.co/glossary/cac)
- [Customer lifetime value (LTV)](https://www.zinance.co/glossary/ltv)
- [LTV:CAC ratio](https://www.zinance.co/glossary/ltv-cac)
- [CAC payback period](https://www.zinance.co/glossary/cac-payback-period)
- [Fractional CFO](https://www.zinance.co/glossary/fractional-cfo)
- [SAFE note](https://www.zinance.co/glossary/safe-note)
- [Pre-money vs post-money valuation](https://www.zinance.co/glossary/pre-money-vs-post-money)
- [Convertible note](https://www.zinance.co/glossary/convertible-note)
- [Accrual vs cash basis accounting](https://www.zinance.co/glossary/accrual-vs-cash-accounting)
- [Monthly close](https://www.zinance.co/glossary/monthly-close)
- [Deferred revenue](https://www.zinance.co/glossary/deferred-revenue)
- [Chart of accounts](https://www.zinance.co/glossary/chart-of-accounts)
- [Accounts payable vs receivable](https://www.zinance.co/glossary/accounts-payable-vs-receivable)
- [Net revenue retention (NRR)](https://www.zinance.co/glossary/net-revenue-retention)
- [Gross revenue retention (GRR)](https://www.zinance.co/glossary/gross-revenue-retention)
- [MRR and ARR](https://www.zinance.co/glossary/mrr-arr)
- [ARR vs revenue](https://www.zinance.co/glossary/arr-vs-revenue)
- [Rule of 40](https://www.zinance.co/glossary/rule-of-40)
- [SaaS magic number](https://www.zinance.co/glossary/saas-magic-number)
- [R&D payroll tax offset](https://www.zinance.co/glossary/r-and-d-payroll-tax-offset)
- [R&D tax credit (for startups)](https://www.zinance.co/glossary/r-and-d-tax-credit)
- [Section 174 R&D capitalization](https://www.zinance.co/glossary/section-174)
- [QSBS (Qualified Small Business Stock)](https://www.zinance.co/glossary/qsbs)
- [83(b) election](https://www.zinance.co/glossary/83b-election)
- [Delaware franchise tax](https://www.zinance.co/glossary/delaware-franchise-tax)
- [Days payable outstanding (DPO)](https://www.zinance.co/glossary/days-payable-outstanding)
- [Gross margin](https://www.zinance.co/glossary/gross-margin)
- [Accounting equation](https://www.zinance.co/glossary/accounting-equation)
- [Double-entry accounting](https://www.zinance.co/glossary/double-entry-accounting)
- [General ledger](https://www.zinance.co/glossary/general-ledger)
- [Journal entry](https://www.zinance.co/glossary/journal-entry)
- [Trial balance](https://www.zinance.co/glossary/trial-balance)
- [Balance sheet](https://www.zinance.co/glossary/balance-sheet)
- [Income statement (P&L)](https://www.zinance.co/glossary/income-statement)
- [Cash flow statement](https://www.zinance.co/glossary/cash-flow-statement)
- [Depreciation](https://www.zinance.co/glossary/depreciation)
- [Amortization (accounting)](https://www.zinance.co/glossary/amortization-accounting)
- [Retained earnings](https://www.zinance.co/glossary/retained-earnings)
- [Bank reconciliation](https://www.zinance.co/glossary/bank-reconciliation)
- [Prepaid expenses](https://www.zinance.co/glossary/prepaid-expenses)
- [Accrued expenses](https://www.zinance.co/glossary/accrued-expenses)
- [Cost of goods sold (COGS)](https://www.zinance.co/glossary/cogs)
- [Operating expenses (OpEx)](https://www.zinance.co/glossary/operating-expenses)
- [Gross profit](https://www.zinance.co/glossary/gross-profit)
- [Net income](https://www.zinance.co/glossary/net-income)
- [EBITDA](https://www.zinance.co/glossary/ebitda)
- [Working capital](https://www.zinance.co/glossary/working-capital)
- [Capitalize vs expense](https://www.zinance.co/glossary/capitalize-vs-expense)
- [Fixed vs variable costs](https://www.zinance.co/glossary/fixed-vs-variable-costs)
- [Contribution margin](https://www.zinance.co/glossary/contribution-margin)
- [Pro rata rights](https://www.zinance.co/glossary/pro-rata-rights)
- [Angel investor](https://www.zinance.co/glossary/angel-investor)
- [Accredited investor](https://www.zinance.co/glossary/accredited-investor)
- [ISO vs NSO (stock options)](https://www.zinance.co/glossary/iso-vs-nso)
- [Restricted stock unit (RSU)](https://www.zinance.co/glossary/rsu)
- [Advisory shares](https://www.zinance.co/glossary/advisory-shares)
- [Par value](https://www.zinance.co/glossary/par-value)
- [Fully diluted shares](https://www.zinance.co/glossary/fully-diluted-shares)
- [Valuation cap](https://www.zinance.co/glossary/valuation-cap)
- [Funding rounds (seed to Series C)](https://www.zinance.co/glossary/funding-rounds)
- [Accelerator vs incubator](https://www.zinance.co/glossary/accelerator-vs-incubator)
- [Churn rate](https://www.zinance.co/glossary/churn-rate)
- [Average revenue per user (ARPU)](https://www.zinance.co/glossary/arpu)
- [Annual contract value (ACV)](https://www.zinance.co/glossary/acv)
- [Total contract value (TCV)](https://www.zinance.co/glossary/tcv)
- [Bookings vs billings](https://www.zinance.co/glossary/bookings-vs-billings)
- [SaaS quick ratio](https://www.zinance.co/glossary/saas-quick-ratio)
- [Expansion revenue](https://www.zinance.co/glossary/expansion-revenue)
- [Logo churn vs revenue churn](https://www.zinance.co/glossary/logo-churn-vs-revenue-churn)
- [Days sales outstanding (DSO)](https://www.zinance.co/glossary/days-sales-outstanding)
- [Venture debt](https://www.zinance.co/glossary/venture-debt)
- [Line of credit](https://www.zinance.co/glossary/line-of-credit)
- [Free cash flow (FCF)](https://www.zinance.co/glossary/free-cash-flow)
- [Capitalization table (cap table)](https://www.zinance.co/glossary/cap-table)
- [Term sheet](https://www.zinance.co/glossary/term-sheet)
- [Liquidation preference](https://www.zinance.co/glossary/liquidation-preference)
- [Option pool](https://www.zinance.co/glossary/option-pool)
- [Vesting schedule](https://www.zinance.co/glossary/vesting-schedule)
- [Cliff (vesting)](https://www.zinance.co/glossary/cliff-vesting)
- [Dilution](https://www.zinance.co/glossary/dilution)
- [Down round](https://www.zinance.co/glossary/down-round)
- [Bridge round](https://www.zinance.co/glossary/bridge-round)
- [Priced round](https://www.zinance.co/glossary/priced-round)
- [409A valuation](https://www.zinance.co/glossary/409a-valuation)
- [Preferred stock](https://www.zinance.co/glossary/preferred-stock)
- [Common stock](https://www.zinance.co/glossary/common-stock)

## Differentiators
- Daily bookkeeping vs. monthly close at traditional firms
- 10-minute Slack response time vs. 2-3 day email follow-ups
- 1,000+ KPI founder-readable dashboard vs. generic P&L / balance sheet
- One dedicated team for bookkeeping, AR/AP, controller, and tax
- 7-day setup, no long-term contracts, full data ownership

## Machine-readable
- [Pricing (markdown)](https://www.zinance.co/pricing.md)
- [Full overview for LLMs](https://www.zinance.co/llms-full.txt)

## Book a demo
- 20-minute call: https://www.zinance.co/demo