We untangle the accounting problems your team keeps pushing to next month.
"We automate ourselves out of a job — so your business runs without us."
HMF Solutions cleans up messy finance operations, reconciles complex cash movement, and automates the workflows that replace the manual work — so you can trust the numbers again.
- Our books look done, but we don't trust the numbers.
- Bank activity doesn't tie to Stripe or our processors.
- Month-end close takes way too long.
- Unreconciled balances nobody has touched in months.
- Finance process lives in spreadsheets and people's heads.
- Need cleanup before our audit or investor round.
Not a bookkeeper. A senior finance-ops fixer.
Most finance help either advises without executing, or does data entry without understanding the system. We do the actual work — then we make it run without us.
Hands-on, senior-level
We execute the cleanup ourselves — not a deck of recommendations you have to implement.
Built for complex cash
Fintech and multi-system money movement: banks, processors, platforms, and GL — tied out.
AI-native automation
We replace the manual work permanently with auditable, AI-powered workflows.
Independence is the goal
We document, train your team, and hand over the keys — so you don't need us twice.
From messy to automated — in four stages
We don't just fix the symptom. We trace every dollar, close every gap, and replace every manual process with one that runs itself.
First, we find the real problem
Most finance messes look like a reconciliation issue on the surface. Underneath there's usually a broken data pipeline, a mismatched fee setup, or a workflow that lives in someone's inbox.
We trace every discrepancy to its root in 3–5 business days and deliver a written roadmap: what's broken, why, and in what order to fix it.
Diagnostic: $750 – $1,500Then we close every gap
Armed with the diagnostic, we execute the cleanup: tying out bank-to-processor-to-GL, clearing the AR aging backlog, correcting invoice errors, and resolving months of suspended entries.
This isn't a summary and a recommendation. We do the actual work.
Cleanup Sprint: $3,000 – $8,000We replace every manual workflow with AI
Once the data is clean, we build the automation layer: reconciliation pipelines, statement generation, invoice routing, exception alerts, and close checklists — using modern AI tools and your existing systems.
Every manual spreadsheet becomes an automated, auditable process.
We document it, train your team, and step back
Every workflow we build comes with plain-English documentation your team can maintain. We train your people on it, hand over the keys, and step back.
The goal is to make ourselves unnecessary. That's the whole point.
Monthly partner: $4,000 – $8,000/moStart where the pain is biggest
Three engagements designed to match where your company actually is — most clients start small and grow the relationship.
Finance Ops Diagnostic
A deep read of your accounting health — bank rec status, processor tie-outs, AR/AP aging, close process, and automation gaps. You leave with a written cleanup roadmap.
$750 – $1,500Cleanup Sprint
Hands-on execution to untangle a specific problem: unreconciled transactions, broken AR aging, a delayed close, or a settlement workflow living in someone's inbox.
$3,000 – $8,000Monthly Finance Ops Partner
Senior-level finance ops support without the overhead of a full-time hire. We own your reconciliations, close support, and AR/AP operations every month.
$4,000 – $8,000/moNot sure where you fit? Start with a diagnostic — it's the lowest-risk way to see what we'd find.
We automate ourselves out of a job.
We build the workflows, hand you the keys, and step back — so you never pay someone to do the same thing twice. In today's AI world, every manual finance process is a problem waiting to be solved permanently.
Map what's manual
Identify every spreadsheet, inbox workflow, and copy-paste — ranked by cost and risk.
Clean the foundation
Automation needs clean data. We reconcile and structure everything before building.
Build the automation
AI-powered recon pipelines, statement generation, invoice routing, and exception alerts.
Document and step back
Plain-English SOPs, team training, full handover. Then we're done — that's the point.
Senior-level execution across every layer
Built on years of real institutional finance-operations work — settlement close, fintech money movement, reconciliation design, and workflow automation.
Complex reconciliation
Bank, processor, platform, GL — tied together and documented.
Month-end close support
From calendar design through close sign-off.
AR/AP cleanup
Aging cleanup, cash application, collections triage.
Processor & settlement ops
Statement generation, remittance tie-outs, distribution workflows.
Cross-system data investigation
Stripe, QuickBooks, NetSuite, data warehouses — tied together.
Workflow automation
Replace manual spreadsheets with auditable automated processes.
Fee & contract validation
Verify system setups match MSAs and flag billing discrepancies.
Audit & investor prep
Organized docs, reconciled accounts, clean aging before deadline.
Fraud & anomaly flags
Identification and escalation of suspicious payment patterns.
Built for businesses where money moves through multiple systems
A great fit if you are…
- ✓ A fintech, SaaS, or e-commerce company with processor complexity
- ✓ A startup with messy books after a funding round
- ✓ Approaching an audit, acquisition, or investor due diligence
- ✓ Running multi-system cash movement (Stripe, ACH, bank, platforms)
- ✓ A controller or CFO who needs a senior resource to execute
- ✓ A CPA firm needing cleanup help for a messy client
Not the right fit if you need…
- ✗ Basic transaction entry or low-cost bookkeeping
- ✗ Tax preparation or CPA-licensed advisory work
- ✗ A full-time in-house hire on payroll
- ✗ High-volume data entry at a bookkeeping rate
What companies usually ask first
Bookkeepers record transactions and CPAs handle tax and attest work. We sit in between and above: we find and fix the reason your bank, processors, invoices, and accounting system don't tie out — then automate the workflows so the problem doesn't come back. We're a cleanup and operations partner, not a tax preparer or a low-cost data-entry service.
Most companies start with a Finance Ops Diagnostic ($750–$1,500) — the lowest-risk way to see what we'd find. From there, a Cleanup Sprint runs $3,000–$8,000 depending on scope, and ongoing Monthly Finance Ops Partner support runs $4,000–$8,000/month. You only move to the next step if it makes sense.
A diagnostic typically takes 3–5 business days once we have access to your records. The discovery call is free and usually surfaces 2–3 cleanup opportunities on the spot.
We're based in Houston, TX and work with clients remotely across the U.S. Cash movement and accounting systems are cloud-based — we don't need to be in your office to fix them.
We work with the minimum access needed for the engagement, prefer read-only or scoped permissions wherever possible, and keep sensitive client-identifiable data out of any AI tools unless it has been sanitized. Everything we build is documented so your team retains full control.
Ready to trust your numbers again?
Start with a free 30-minute discovery call. Tell us a bit about what's going on, and we'll come back with what we see and whether we're the right fit. No pitch, no obligation.