Multi-Entity Solution

Reconcile Bank Statements Across Every Business Entity

Subsidiaries, branches, and DBAs each generate their own bank statements. Zera Books processes them all in one workflow — with AI categorization, multi-account detection, and direct integration to your accounting software.

TL;DR

Multi-entity bank reconciliation forces teams to juggle separate statements from every subsidiary, branch, and DBA — often in different formats from different banks. Zera Books batch-processes all entities together: Zera AI extracts transactions from any format, multi-account auto-detection separates accounts correctly, and AI categorization maps everything to your chart of accounts. Result: reconciliation across all entities in hours, not days.

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Why Multi-Entity Reconciliation Is Hard

Businesses with multiple entities — holding companies with subsidiaries, franchises with dozens of locations, property management firms with individual property LLCs — face a reconciliation challenge that grows exponentially with scale.

Inconsistent Formats Across Banks

Each entity may bank at a different institution. Chase, Wells Fargo, local credit unions — every bank produces a different PDF layout. Manual reconciliation means learning a new format for each entity.

Time Multiplies With Entity Count

If one entity takes 2 hours to reconcile manually, ten entities take 20 hours. Add intercompany transfers and the time balloons further. Month-end close stretches into week-end close.

Intercompany Transfers Create Gaps

Loans, shared services, and management fees between entities often appear on two or more statements. Without automatic detection, these create duplicate entries or unreconciled discrepancies.

Data Entry Errors Compound

Manually re-keying transactions from multiple entities multiplies error rates. A single transposition across ten entities can cascade into significant reporting discrepancies.

The core problem: traditional reconciliation tools are designed for single entities. They process one account, one bank, one statement at a time. For multi-entity businesses, this means running the same workflow repeatedly — or worse, stitching together spreadsheets manually.

How Zera Books Handles Multi-Entity Workflows

Zera Books is built for teams managing more than one entity. Here is the step-by-step workflow that transforms multi-entity reconciliation from a multi-day ordeal into a streamlined process.

Upload All Entities at Once

Batch upload 50+ PDF bank statements covering every subsidiary, branch, and DBA. Zera Books accepts any bank format — Zera AI, trained on millions of financial documents, extracts transactions regardless of layout.

Multi-account auto-detection

Zera AI Separates Accounts Automatically

Multi-account auto-detection identifies checking, savings, and credit card accounts within each PDF. Each entity's accounts are separated into individual files — no manual splitting required.

Combining and splitting statements

AI Categorizes Transactions Across All Entities

AI transaction categorization maps every transaction to your chart of accounts. It learns from your categorization patterns, so shared expense categories stay consistent across entities.

AI categorization features

Duplicate and Intercompany Detection

Zera Books flags duplicate transactions and identifies intercompany transfers that appear on multiple entity statements. This prevents double-counting during consolidation.

Multi-entity reconciliation details

Export Directly to QuickBooks or Xero

Each entity's reconciled data exports in the format your accounting software expects — QBO for QuickBooks Online, IIF for QuickBooks Desktop, or pre-mapped CSV for Xero, Sage, and others.

Bank statement conversion

Track Everything in Your Client Dashboard

The client management dashboard organizes conversions by entity. Access conversion history, re-run with updated settings, and maintain audit trails for every entity.

Multi-client management

Manual Process vs. Zera Books

Here is what multi-entity reconciliation looks like with and without automation — measured across a typical 10-entity organization processing monthly statements.

Dimension	Manual Reconciliation	With Zera Books
Time per entity	2–3 hours manual entry	10–15 minutes automated
Total time (10 entities)	20–30 hours/month	2–3 hours/month
Format handling	Learn each bank layout	Zera AI handles all formats automatically
Account separation	Manual split of multi-account PDFs	Auto-detected and separated
Transaction categorization	Manual tagging per transaction	AI auto-categorization with learning
Intercompany detection	Spreadsheet cross-referencing	Automatic duplicate and transfer flagging
Error rate	3–5% manual entry errors typical	99.6% extraction accuracy
Accounting software import	Re-key or CSV upload with column mapping	Direct QBO/IIF/pre-mapped export
Audit trail	Manual file naming conventions	Conversion history with version control
Cost	Staff time: $2,000–4,000/month	$79/month flat, unlimited entities

Key Benefits for Multi-Entity Teams

Process All Entities in One Batch

Upload statements from every entity simultaneously. Zera Books handles 50+ documents in a single batch — no need to process entities one at a time.

Consistent Categorization Across Entities

AI categorization learns your chart of accounts and applies it uniformly. Shared expense categories stay consistent, making consolidation straightforward.

No Per-Entity Fees

At $79/month, there is no additional cost for more entities. Whether you have 3 subsidiaries or 30, the price stays the same. No usage tracking anxiety.

Four Document Types, One Platform

Beyond bank statements, Zera Books also processes financial statements, invoices, and checks. Consolidate all entity document processing in one tool.

Intercompany Transfer Visibility

Automatic detection of transactions appearing across entity statements. Eliminates double-counting and simplifies consolidation entries.

Scalable Without Added Complexity

Adding a new entity means uploading its statements — nothing else. No new templates, no new setup. Zera AI dynamically adapts to any bank format.

Common Multi-Entity Use Cases

Franchise Operations

A franchisor with 15 locations, each with its own bank account at different institutions. Zera Books batch-processes all locations monthly, producing entity-level exports ready for consolidation.

Client bookkeeping workflows

Property Management Firms

Each property operates as a separate LLC with its own checking account. Tenant deposits, maintenance expenses, and mortgage payments all need reconciliation — across every property every month.

Multi-platform reconciliation

Holding Companies with Subsidiaries

Parent company consolidation requires clean, categorized data from every subsidiary. Intercompany loans and management fees must be identified and excluded from consolidated totals.

Multi-entity bookkeeping challenges

CPA Firms Managing Multi-Entity Clients

An accounting firm handles clients who each have multiple business entities. The firm needs to reconcile all entities for all clients — with client-level organization and consistent categorization.

Month-end close automation

E-Commerce Businesses with Multiple Storefronts

Separate entities for each marketplace or region, each generating revenue through different payment processors and bank accounts. Unified reconciliation ensures accurate cross-entity reporting.

Multi-currency reconciliation

Real Results: Zoom Books

"We were drowning in bank statements from two provinces and multiple revenue streams. Zera Books cut our month-end reconciliation from three days to about four hours."

Manroop Gill

Co-Founder at Zoom Books

Ready to Reconcile Every Entity in Hours?

Stop spending weeks on multi-entity reconciliation. Zera Books processes all your entities in one batch — AI-powered extraction, automatic categorization, and direct accounting software integration. $79/month, unlimited entities.