What is finance automation?
Finance automation is the system that handles invoicing, payment follow-up, expense capture and cash flow reporting without manual data entry. UnderCurrent Automations builds it on Xero, QuickBooks, MYOB or your existing accounting stack, so invoices go out on time, overdue payments chase themselves and your books stay reconciled while you run the business.
It is not a single tool you buy; it is the orchestration layer on top of the tools you already pay for, tuned to how Finance Automation runs in your business day to day.
What does the build include?
Your financial admin, fully automated. 8 deliverables by default, each tuned to how your business already operates.
- 01Automated invoice generation triggered by job completion or contract milestone
- 02Invoice delivery and a multi-step overdue follow-up sequence
- 03Payment confirmation acknowledgement sent to the client automatically
- 04Expense capture and categorisation from receipts and bank feeds
- 05Weekly cash flow snapshot delivered to your inbox
- 06Vendor and supplier research automation
- 07Financial data syncing across Xero, QuickBooks or MYOB
- 08Alerts when invoices hit 7, 21 and 30 days overdue
Who is it built for?
If you spend more than a few hours a week on financial admin, this is where that time comes back.
Trades and Construction
Job complete. Invoice sent. Payment tracked.
Builders, plumbers, electricians, landscapers. The job is done but the admin is not. We automate invoice creation from your job management system, delivery to the client, and a smart follow-up sequence that adjusts in tone as the invoice ages.
Professional Services
Bill your time without billing your time.
Agencies, consultants, accountants. Retainer invoices go out on the right date, project invoices trigger on milestone completion, and nothing slips through because someone forgot to raise it.
Ecommerce and Retail
Reconcile without the spreadsheet.
Orders, refunds, supplier invoices, ad spend. We connect your sales platform, payment gateway and accounting software so your books reconcile automatically and you always have a clear view of cash position.
What tools does it work with?
We build on the stack you already run. If a tool has an API, we can wire into it. Common integrations we deploy for finance automation:
If you don't have a system in place yet, we help you choose a lightweight option that fits your business without adding overhead.
How does UnderCurrent build it?
Three steps. Then it runs itself. We move in weeks, not months.
- 01
Map
Audit how this works today. Sources, tools, handoffs, drop-off points. Output: a map with priority fixes.
- 02
Build
Deploy automation against your existing stack. Configured, tested, and documented end to end.
- 03
Flow
Hand over, train, monitor for 30 days. Results visible within 2–3 weeks of live.
How does it compare to alternatives?
Most business owners have tried at least one thing to fix this before finding a system that actually sticks. Rows are capabilities; columns are approaches. A check means the approach consistently delivers.
| Capability | UnderCurrent | Doing It Manually | Off-the-Shelf Tools | Other Agencies |
|---|---|---|---|---|
| Sends invoices on time, every time | ✓ | · | · | · |
| Follows up overdue invoices automatically | ✓ | · | ✓ | · |
| Adjusts tone as invoice gets older | ✓ | ✓ | · | · |
| Categorises expenses without data entry | ✓ | · | ✓ | · |
| Integrates with Xero, QuickBooks and MYOB | ✓ | ✓ | · | · |
| Cash flow visibility updated daily | ✓ | · | · | · |
What does it cost?
Project-priced, not per-seat. No ongoing software licence fees, because we build on the stack you already pay for.
from AUD $4,000
Foundation
Invoice + chase
Invoice creation on trigger, delivery, and a tone-escalating overdue sequence. Fits a trades or services business with steady invoice volume.
from AUD $7,500
Full admin
Invoice + expense
Invoicing, follow-up, expense capture via Dext or Hubdoc, weekly cash flow snapshots, alerts at 7, 21 and 30 days overdue.
by quote
Custom
Multi-entity
Multi-entity reconciliation, bespoke ERP or job-management integration, custom financial reporting for management or board use.
How long does it take?
Most builds go live within 7 to 14 days of the first scoping call. Week one is discovery; week two is build and rollout. Measurable results are visible within 2 to 3 weeks of going live.
Full, multi-channel systems run 3 to 4 weeks end-to-end. We give you a firm timeline before committing, with no scope creep.
Where does UnderCurrent operate?
Based in Melbourne, Australia. We serve clients across Melbourne, Sydney, Brisbane, Perth, Adelaide, Canberra, Victoria, New South Wales, Queensland, Western Australia, South Australia, Australian Capital Territory, Australia. Most discovery and build work runs remotely; onsite sessions are available across greater Melbourne.
Frequently asked questions
Which accounting tools do you integrate with?
We integrate with Xero, QuickBooks, MYOB, and FreshBooks. If your accounting tool has an API, we can connect it. We do not require you to switch platforms.
Can you automate invoice chasing without being aggressive?
Yes, and this is built into the system. The follow-up sequence adjusts tone based on how overdue an invoice is: a gentle reminder at 7 days, firmer language at 21, and an escalation prompt at 30 days. All personalised, all on schedule.
How does expense tracking work?
We connect to bank feeds, receipt scanning tools like Dext or Hubdoc, and card providers to automatically categorise and push expenses into your accounting software. No manual data entry required.
What triggers an invoice being generated?
We configure the trigger based on how your business works. Common triggers: a job being marked complete in your job management tool, a contract milestone being reached, a subscription renewal date, or a manual trigger from a simple form.
Is my financial data secure?
We build using tools you control, primarily your existing accounting software and the integrations it already supports. Data flows between platforms you own via secure OAuth connections. We do not store financial data ourselves.
What if a client disputes an invoice?
The automation pauses the follow-up sequence when you flag a dispute. We configure a simple mechanism for you to put an invoice into a review hold, which stops further automated contact until you resolve it and restart the sequence.
Luke Marinovic
Founder of UnderCurrent Automations. Builds sales, content, finance and operations automation for Australian small businesses.
Related services and source material.
Your cash flow should not depend on you remembering to follow up.
Book a free 30-minute call. We will go through your current invoicing and expense workflow and show you what an automated version would look like.