Startup Bank Reconciliation

Bank reconciliation built for fast-growing startups. Scale from one account to twenty without hiring accounting staff, powered by AI automation.

Built for Lean Startup Teams

Startups operate with lean teams and limited budgets. You need accurate financial records for investors and compliance, but you can't afford dedicated accounting staff or waste hours on manual data entry.

Zera Books automates bank reconciliation so your team can focus on growth. Upload bank statements, let Zera AI extract and categorize transactions automatically, and maintain investor-ready books without hiring a full-time bookkeeper.

Why Startups Choose Zera Books

Start immediately—no implementation timeline or accounting expertise required
Scale from one account to unlimited without price increases
AI categorization for clean QuickBooks/Xero imports
Flat $79/month—no per-user, per-account, or per-page fees

Scale Without Adding Accounting Headcount

As your startup grows, so do your banking relationships. You add credit cards for different team members, open savings accounts for runway management, and establish merchant accounts for revenue processing.

Seed Stage: 3 Accounts

One business checking account, one company credit card, one founder personal card used for business expenses. Process all three statements automatically without manual entry.

Series A: 12 Accounts

Business checking, savings, merchant accounts for multiple revenue streams, credit cards for different departments. Batch processing handles all statements simultaneously.

Growth Stage: 25+ Accounts

Multi-entity structure with subsidiaries, international bank accounts, corporate credit programs. Same flat pricing, unlimited processing capacity.

Investor-Ready Financials

Board meetings and funding rounds require accurate financial reporting. Zera Books ensures your transaction data is clean, categorized, and imported to QuickBooks or Xero correctly—no manual spreadsheet reconciliation before investor calls.

Audit-Ready Records

Unlimited conversion history with organized records. Access past statements anytime for due diligence or financial audits without searching through email archives.

Accurate Categorization

AI categorization trained on GAAP standards ensures transactions map to correct accounting categories. Clean P&L and balance sheet data without manual cleanup.

Fast Month-End Close

Close books in hours instead of days. Batch process all accounts simultaneously, review AI-categorized transactions, and export to accounting software before board deadlines.

Bank-Level Security

AES-256 encryption and secure cloud infrastructure protect sensitive financial data. Automatic deletion after 30 days ensures compliance without manual data management.