For owners of multi-location businesses

Multiply your business.
Keep control.

One consistent report for every location, a clear view of the whole group and a finance team that helps you plan the next one.

  • The same reporting format for every entity
  • Accounting, tax and payroll in one team
  • An advisor for your next decision
Group overview · September 2026Every location, one format
3 locations
Group revenue$580k+5.5% vs Aug
Operating profit$106k−6.2% vs Aug
Cash needed this month$94kFrom October sales
LocationRevenueMarginCash needed
Harbor$240k25.0%$0
Cedar$180k16.7%$40k
Summit$160k10.0%$54k
Cash neededCedar and Summit need $94,000 from this month's sales.
What changed Summit's costs rose $17,000 in September. Payroll drove $10,000 of it.
Illustrative example · Northstar Group

One finance team for every entity

  • Accounting
  • Tax
  • Payroll
  • Controller and CFO advisory
  • 150+delivery professionals
  • 18 daysaverage to onboard
  • 5 yrs+average client partnership
  • SOC 2compliant

Two ways we help

Which group are you?

Owner-operated

Grow on your terms.

You built the business, and you want to open the next location without giving up control. See what your cash can support before you commit it.

  • Compare what works across your locations
  • Check each expansion against your cash reserve
  • Bring accounting, tax, payroll and advice into one plan

For groups with several restaurants, clinics, shops or service locations.

Investor-backed

Show the value your portfolio creates.

Report every portfolio company on the same basis, so partners, lenders and LPs see performance clearly and your team sees where to act.

  • Compare operating performance across the portfolio
  • Prepare recurring review briefs for LPs and lenders
  • Plan capital allocation with your advisor

For private equity firms, holding companies, roll-ups and other investor-backed groups.

Consistency across your group

Three businesses.One way of reporting.

When every entity closes its books differently, comparing them is guesswork. We keep every entity on the same chart of accounts, the same accounting basis and the same monthly close, so each report reads the same way and the group adds up.

  • Same chart of accounts

    Revenue and costs land in the same categories for every entity.

  • Same close, same period

    Every entity closes the same month, so you compare like with like.

  • One view of the group

    Entity results roll up into a group view you can trust.

Location 01Harbor
On track
25.0%operating margin
Revenue
$240,000
Expenses
$180,000
Operating profit
$60,000
Cash needed
$0
Location 02Cedar
Steady
16.7%operating margin
Revenue
$180,000
Expenses
$150,000
Operating profit
$30,000
Cash needed
$40,000
Location 03Summit
Watch
10.0%operating margin
Revenue
$160,000
Expenses
$144,000
Operating profit
$16,000
Cash needed
$54,000

What this tells you With every report in the same format, the outlier is obvious: Summit keeps 10 cents of each revenue dollar, while Harbor keeps 25.

Financial velocity

From hindsight to foresight.

Consistent reports make changes visible. Insight tells you why they happened. Your advisor helps you decide what to do, and every monthly review makes the next decision faster.

Experienced peopleAI with a purposeOngoing advice

Expertise and technology

Experienced people.Technology with a purpose.

Software can show you a number. Knowing what to do about it takes people who understand your group. You get both, working from the same reports.

Your finance team

One team that knows your whole group.

  • Controller

    Runs the monthly close and keeps every entity consistent.

  • Accounting team

    Keeps the books for each entity, from reconciliations to payables.

  • Tax and payroll

    Covers every entity and location in the group.

  • CFO advisor

    Plans the next decision with you: expansion, cash and financing.

One point of contact coordinates all of it.
AI with a purpose

The Exchange shows you what changed.

  • Flags what moved

    Highlights the changes worth a conversation, like a jump in payroll at one location.

  • Explains it in plain English

    Every chart comes with what it means for your business.

  • Keeps everyone on the same numbers

    You, your advisor and your partners work from the same reports.

Insight · Northstar Group Revenue rose 5.5% in September, but operating profit fell 6.2%. A $10,000 payroll increase at Summit is the largest single driver.

The Exchange

Every report answers a question.

Your reports live in the Exchange, indinero's client platform. Each view is built around a decision, and each one tells you what it means for your business.

Cash needed this month

Know what this month requires.

Cash on hand against the month's expenses, for each entity and the whole group, as soon as you log in.

What it tells youHarbor covers its own expenses. Cedar and Summit need $94,000 from this month's sales.

Cost drill-down

Find the change behind the number.

Open any entity to see which expense categories moved since last month, and how its margin has trended over six months.

What it tells youSummit's costs rose $17,000 in September, and payroll drove $10,000 of it. That's the question for your next review.

Scenario planner

Test the next location against your reserve.

Change the investment, the timing and the reserve you want to keep, and see your cash month by month.

What it tells youA $100,000 build-out, plus a $10,000 efficiency project at Summit, keeps you $70,000 above a $200,000 reserve, even at the lowest point.

Review brief

Share one clear brief.

Results, the scenario and the questions to decide on, in one document for partners, lenders or LPs.

What it tells youEveryone at the table sees the same numbers, in the same format, with the questions you need to answer.

Client story

From eight sets of books to one.

Masterpiece Cuisine, a Las Vegas catering company, grew into healthcare, hotel and concessions catering. Multiple entities and eight QuickBooks accounts made the numbers harder to read, not easier.

I've been through 10 bookkeepers in 16 years, indinero is the best we have worked with, and there is no close second.

Scott MahanOwner, Masterpiece Cuisine
  • Multiple entities brought into one structure
  • Moved from cash to accrual accounting
  • Automated bill and receipt workflows
Read the Masterpiece Cuisine story
  • 8 → 1QuickBooks accounts, consolidated
  • $21,600saved a year on accounting services
  • 5–10 hrsof the owner's time back each week
  • ~$5,000a year less in software fees

We worked with three other firms prior to indinero, and the difference has truly been night and day.

Dana LangPresident and CEO, GO Processing · operating across multiple states

Want results like these across your group?

Talk to an Expert

Getting started

What working with us looks like.

  1. 1A conversation about your group

    Tell us about your entities, how you report today and the decision in front of you.

  2. 2One format for every entity

    We set up consistent reporting across the group: the same accounts, the same close, the same view.

  3. 3A monthly review with your advisor

    Review results, cash and the next decision together, and share a brief with partners, lenders or LPs.

Every month, you get

  • Consistent reports for every entity and the whole group
  • Cash needed for the month ahead, entity by entity
  • A scenario planner for your next decision
  • A review with your advisor and a brief you can share
Talk to an Expert

FAQ

Questions owners and investors ask.

Something else on your mind? Ask us in your first conversation.

What does consistent reporting mean for my group?

Every entity uses the same chart of accounts, the same accounting basis and the same monthly close. Each report reads the same way, entities are directly comparable, and the group view is the sum of its parts.

Our entities keep their books differently today. Is that a problem?

No. Bringing every entity into one reporting format is part of getting started, and we keep it consistent from month to month.

Do you prepare consolidated financial statements?

Your group view adds up every entity on the same basis. If you also need formal consolidated statements, for example with intercompany eliminations or more than one currency, we scope that with you at the start.

Can you help us grow without outside investment?

Yes. We model what your cash can support, how much reserve to keep and when financing makes sense, so you can decide how to fund the next location with the numbers in front of you.

Can you report to our LPs and lenders?

Yes. The same entity reports roll up into a review brief you can share with partners, lenders or LPs, and your advisor helps you prepare it.

Which services can you cover?

Accounting, tax, payroll, and controller and CFO advisory. We shape the mix around your group, and your support can grow from accounting into CFO advice as the business needs it.

How is pricing set?

It depends on the number of entities and the services you choose. After the first conversation, we send you a proposal for your group.

What happens after I reach out?

An indinero advisor will contact you to set up a first conversation about your group, how you report today and the decision ahead of you.

Plan your next decision

See your whole group in one consistent view.

Tell us about your entities and the decision ahead. We'll show you how it would look for your group.

R&D Offer Quiz

Step 1 of 3

Answer to find out if you're eligible for R&D tax credits.

Do the activities performed relate to a new or improved business component’s function, performance, reliability, quality, or composition?(Required)
For Example: A mid-sized packaging company develops a slightly modified cardboard box design to improve its stacking strength (reliability) for warehouse storage, involving minor adjustments to the corrugation pattern to reduce collapse under standard weight loads.
Is your company trying to discover information to eliminate uncertainty concerning the capability or method for developing or improving a business component?(Required)
For Example: A furniture manufacturer investigates whether a cheaper wood adhesive can hold joints as effectively as the current one during assembly, testing bond strength to resolve doubts about its capability in standard production lines.
Do the activities performed constitute a process of experimentation?(Required)
For Example: An auto parts supplier runs a series of bench tests on different lubricant formulations to find one that reduces friction in engine bearings more effectively, systematically comparing wear rates over simulated operating cycles.