Budgets & Reporting
Meet Netto, your live P&L
Netto continuously normalizes transactions, builds a live P&L, and surfaces the signals that actually move your margins.
6 hrs
Saved per week on categorization
97%
Transactions auto-normalized
Day 1
Close-ready books, not day 15
The problem
Your books tell you what happened. Netto tells you what's happening.
Most owners find out a job lost money six weeks after it closed. Netto ingests every bank, card, and payment feed as it lands, resolves it to the right account and job, and recomputes margin on the spot.
- No more waiting on a bookkeeper to see gross margin
- Duplicate, refund, and transfer noise removed automatically
- Vendor names cleaned into one consistent merchant record
- Budget vs. actual by department, job, or location
Margin signals
Materials cost up 8.2% vs. 90-day average
Job #4471 gross margin below 12% threshold
Two duplicate vendor charges removed this week
Subscription spend down $1,240 month over month
How Netto works
Four steps, running continuously
1 · Ingest
Bank accounts, cards, processors, and payables sync in near real time.
2 · Normalize
Merchants are deduplicated, transfers are netted, and every line is mapped to your chart of accounts.
3 · Compute
A live P&L, cash position, and budget variance recalculate on every new transaction.
4 · Signal
Threshold breaches and cost drift are pushed to you the day they happen.
Value
What teams do with Netto
Owners, controllers, and operators all pull from the same numbers instead of three versions of a spreadsheet.
Price with confidence
Know true job-level cost before you quote the next one, including overhead allocation.
Close faster
Categorization is already done, so month-end becomes review instead of reconstruction.
Fund on facts
Our underwriters see clean, current financials — which usually means better terms on your next facility.
FAQ
Netto questions
Does Netto replace my accountant?+
No. It removes the manual work your accountant shouldn't be doing, so their time goes to advice instead of cleanup.
Does it work with QuickBooks or Xero?+
Yes. Netto syncs both directions and respects your existing chart of accounts.
How long is setup?+
Most businesses connect accounts and see a live P&L the same day. Historical normalization backfills within 24 hours.
Is Netto included with Flyfill banking?+
Yes. Netto is included at no additional cost for Flyfill banking and card customers.
See your real margin this week
Connect your accounts and Netto will have a live P&L waiting for you today.