The AI Business Operating System for SMEs
One app for the whole business.
Invoicing, bookkeeping, projects, clients and documents in one place — with Vio, an AI employee that chases your late payers, files your receipts and tells you your profit.
- Enterprise-grade encryption
- Stripe · PayPal · Wise ready
- No credit card required
- Set up in 2 minutes
This month
$12,480
▲ 18% vs last
Outstanding
$3,840
Expenses
$1,205
Vio: 3 invoices overdue. Send reminders?
Activity
Acme Co.
Invoice paid
+$1,800
Adobe CC
Subscription
−$54.99
Maya Patel
Retainer
+$420
Hatch & Co.
Invoice #044
Pending
Connects with the tools you already use
Five tools, one ledger
Stop running your business across five apps that never talk.
Invoicing here, receipts there, books in a spreadsheet, projects somewhere else. SoftBillo puts billing, bookkeeping, cash flow and client work on one ledger — with Vio, your AI, handling the routine and flagging what matters.
Before: $73+/month·5 logins·0 that talk to each other
After: from $0/month·One login·Everything connected
The old way
Invoicing
Receipts
Spreadsheet
Projects
Email chase
On SoftBillo
Invoicing
Receipts
Vio · AI
SoftBillo
Books
Projects
Clients
Play with it · no signup
Run one invoice, start to finish.
This is the real thing, minus the account. Pick who owes you, add the work, send it, and watch what happens while you're not looking.
- 1Write it
- 2Send it
- 3Get paid
Step 1 — pick who owes you, then add the work. Use ← → to move between clients.
Invoice draft
MEDX-2026-0184
Billed to
The work
1 line
- Brand identity sprint$2,400
- Subtotal
- $2,400
- Tax · 8%
- $192
- Total due
- $2,592
While you're not looking
- ✓DeliveredEmail + WhatsApp link opened by Aperture Coffee.
- ✓BookedPosted to your ledger and the live P&L. No spreadsheet.
- ✓Chase scheduledNet 14. A polite nudge goes out two days before it's late.
- ✓ReconciledPayment matched, receipt filed, forecast updated.
Send the invoice to watch this fill in.
Cash in the next 30 days
$18,240
This number moves the moment the money does.
Vio · Add the work and I'll price-check it against your last twelve invoices.
Nine things off your plate
The admin you
stop doing.
Every line below is a job someone used to do by hand on a Sunday. Now it happens while the kettle boils.
The books keep themselves
Reconciled nightlyVio categorises and reconciles as the money moves. You're never doing eleven months of catch-up in one panicked weekend.
Invoices that get opened
Under 60 secondsClean, branded, and sent by email or WhatsApp with a payment link that works on a cracked phone screen.
Photograph it, forget it
One photoSnap the receipt in the car park. Vendor, date, tax and category are read and filed before you've started the engine.
What's actually landing
Forward viewNot what you invoiced — what will clear. 14, 30, 60 and 90 days out, adjusted for how each client really pays.
Reports without the ritual
Always currentP&L, balance sheet, expense breakdown. Current to this morning, exportable to whatever your accountant insists on.
Who pays, who stalls
Client healthEvery client carries a quiet track record. You'll know before you sign the next one whether it's worth the deposit terms.
Tax season, uneventful
One handoffVAT, 1099 and a bookkeeper pack that hands off cleanly. Nothing to reconstruct from bank statements at 11pm.
A second opinion, nightly
ProactiveVio flags the duplicate charge, the subscription you forgot, the client drifting toward trouble — before it costs you.
Works where you do
Offline-firstPhone in a van, laptop in a café, no signal in a basement. It queues and syncs when the bars come back.
✦ Vio, your AI
The AI that runs the admin, so you don't have to.
Vio works across your invoicing, books and projects — chasing what's owed, filing what's spent and telling you what needs attention.
Not a chatbot bolted on.
Vio isn't a chatbot bolted on. She works across your invoicing, books and projects — chasing what's owed, filing what's spent, forecasting what's coming, and telling you what needs attention.
- Chases overdue invoices with polite, on-brand reminders
- Categorizes every transaction and matches receipts
- Forecasts your cash flow from real booked work
- Flags anomalies, risk and unnecessary spend
- Answers your financial questions in plain English
Vio Essentials · Vio Pro · Vio Max — AI capability scales with your plan.
When you earn,
SoftBillo has your back.
From the first invoice to the final payout — billing, books, and Vio, your AI accountant, in one calm app that fits how you actually work.
Freelancer
Send invoices in 30 seconds, get paid faster.
Content Creator
Track brand deals, royalties & multi-payer payouts.
Tradesperson
Quote on the van, invoice before you leave the job.
Hair & Beauty
Tap-to-pay at the chair; deposits held automatically.
Construction
Track site expenses & bill materials without the mess.
Auto Repair
Parts, labour & tax — itemised on every invoice.
Consultant
Log billable hours; Vio drafts the invoice for you.
Coach & Tutor
Recurring plans, session credits, auto reminders.
Small Business
One dashboard for sales, expenses & cash runway.
Gig Economy
Mileage, tips & multi-app payouts in one ledger.
How it works
Send. Approve. Reconcile. See the truth.
Four calm steps. Your customers pay you direct through Stripe, PayPal or Wise — SoftBillo records everything and Vio keeps the books honest.
Total
$2,400
1. Send
Draft an estimate or invoice in seconds, attach a partner payment link and send by email, WhatsApp or text.
Harper & Co signed online · 2 min ago
Funds land in your own account.
2. Client approves & pays
They approve estimates online and pay via your partner link. Money goes straight to your account — SoftBillo just records it.
Harper & Co paid $2,400. Recorded, receipt sent, matched to invoice #INV-4102.
Categorised 6 new receipts overnight — 98% confidence.
3. Vio records & reconciles
Receipts, bank imports and payment events get matched, categorised and posted — automatically, with a confidence score you can trust.
Cash forecast · 30d
+$3,420Health
Strong · 82
Runway
4.2 mo
4. See the truth
Live cash forecast, Business Health, Client Health scores and tax-ready reports — the picture you need to make the next call.
The receipts
Numbers we can look you in the eye about.
No hockey-stick promises and no borrowed statistics. Every figure below is a fact about the product you can check yourself in the first ten minutes.
0
Of your money we ever hold
Payouts land in your own Stripe, PayPal, Wise, Paystack or Flutterwave.
6 → 1
Apps replaced by one login
Invoicing, books, projects, CRM, documents and AI in one place.
5
Countries with local tax and rails
US, UK, Nigeria, Ireland/EU and Canada — priced in local currency.
100%
Offline-capable on your phone
Quote, invoice and log expenses with no signal; it syncs when you're back.
You'll notice we haven't put testimonials here.
We're early. We could fill this row with stock photos and quotes nobody said — most launches do. We'd rather you judge the product, and read real names here once real customers put them there. Want to be one of them?
Sign in, and the fog lifts
The first screen already knows what you need.
The Command Center opens with today's money, this week's work, and the three things worth your attention — surfaced by Vio before you've finished your coffee. Everything else waits, quietly.
Free forever for solo owners · No card, no trial clock · Ready in UK, US, NG, IE and CA
Command Center
Good morning, Amara.
Wednesday, Feb 5 · 3 things need you today
Cash in
$18,420
Outstanding
$4,240
This month
+12%
Needs attention
14-day cash
Projected close · $22,180
Things you'd ask over coffee
Short answers to the honest questions.
Still curious? Our team reads every message in the app and usually replies the same day.
Browse the Help Center