Statements in. Books done.
Penniva walks you through the books, in a sci-fi universe with a few hidden games.
Bring your bank statements. Penniva, the Expansas Financial bookkeeping guide, walks you through it. AI reads the statements you upload into transactions, and the totals are checked against the statement balance. You approve the books before each period closes. Your own AI assistant can join when agent access opens (coming).
Then add a Business Nexus, hosted by Expansas: the platform is in early access (invite only); its AI team is coming. What is Business Nexus?
1/4Ask Penniva.
What Expansas Financial does
Upload your statements.
In early access now
- Statements you upload are read into transactions, and the totals are checked against the statement balance
- Decisions waiting on you are in one Inbox, grouped by entity, the most money first
- Anything blocking the close is shown with its findings and the detail behind them
- You approve the books before each period closes
- A banker package is built from your closed months: a P&L and a balance sheet for the group and for each entity, with the account detail behind them
- A CPA package is built from each closed year: a workbook and a PDF of the P&L and balance sheet for each entity
Coming
- Connect your own AI assistant
- Self-serve sign-up and billing
- Bills and invoices (AR/AP)
- Personal financial statement signing
Know you're ready to close.
AI reads the statements you upload into transactions, and the totals are checked against the statement balance. Then you approve the books before each period closes.
How it works
- 1
The totals are checked against the statement balance.
- 2
Then you approve the books before each period closes.
Juniper Supply LLC · September 2026
Not run yet
Break something, or just run it.
- Bank tie Ledger cash agrees with bank statements.: not run
- Balance sheet Assets = liabilities + equity.: not run
- Statement coverage Every account has statements for the whole period.: not run
- Open
- Owner review
- Approved
- Locked
The period is open. Once the checks are clear, submit it for owner review.
Run the checks and clear every blocking issue (acknowledge any warnings) to submit for owner review.
Banker-ready, without the scramble.
Choose who it's for and which statements to include. A banker package is built from your closed months, behind a link that expires.
How it works
- 1
Choose who it's for and which statements to include.
- 2
A banker package is built from your closed months.
- 3
Share a link that expires.
Default text changes with the audience until you edit it.
Recipient's view
Preview of the banker linkJuniper Supply LLC: shared by Penniva
- Link expires
- The date you choose
Q3 2026 · Jul 1 – Sep 30, 2026 · prepared for Banker
Attached is our banker package for the period. Happy to walk through the line of credit and term loan balances on a call.
Profit & loss
Jul 1 – Sep 30, 2026 · USD
| Wholesale product sales | 626,500 |
| Freight & other income | 18,400 |
| Total revenue | 644,900 |
| Cost of goods sold | 447,400 |
| Inbound freight | 24,600 |
| Gross profit | 172,900 |
| Payroll & benefits | 69,000 |
| Rent | 25,200 |
| Insurance | 6,300 |
| Utilities | 5,060 |
| Vehicle & fuel | 12,050 |
| Marketing | 7,000 |
| Professional fees | 6,000 |
| Software & subscriptions | 3,300 |
| Depreciation | 9,600 |
| Other operating | 7,800 |
| Total operating expenses | 151,310 |
| Operating income | 21,590 |
| Interest expense | 2,985 |
| Net income | 18,605 |
Balance sheet
As of Sep 30, 2026 · USD
| Cash | 96,405 |
| Accounts receivable | 209,800 |
| Inventory | 256,500 |
| Prepaid expenses | 10,200 |
| Total current assets | 572,905 |
| Property & equipment, net | 126,900 |
| Total assets | 699,805 |
| Accounts payable | 160,400 |
| Accrued liabilities | 25,300 |
| Line of credit | 66,000 |
| Term loan, current portion | 37,200 |
| Total current liabilities | 288,900 |
| Term loan, long-term | 17,700 |
| Total liabilities | 306,600 |
| Member capital | 150,000 |
| Retained earnings | 243,205 |
| Total equity | 393,205 |
| Total liabilities & equity | 699,805 |
SAMPLE DATA: fictional company, illustrative figures.
Meet Penniva
Penniva is the Expansas character who guides you through your bookkeeping.
Whether you ask your own AI or open EF directly, Penniva guides you through your bookkeeping in Expansas Financial.
Read Penniva's storyYour AI already knows how to ask. Give it something real to work on.
EF speaks MCP (a standard way to let an AI assistant use tools, here: your books). When agent access opens, your assistant will be able to search transactions, pull balances and reports, compare periods, spot anomalies, or propose a correction for someone to approve. Tools will be limited to your role, and changes will be logged.
How it works
- 1
Join the list, and we send your connection details when agent access opens.
- 2
Add them to your AI tool's MCP settings.
- 3
Ask about your books.
Connect your AI to your books
- 1Join the list for agent access.
- 2When it opens, we send your connection details.
- 3Add them to .mcp.json (your AI tool’s connection settings file) and ask about your books.
{
"mcpServers": {
"expansas-financial": {
"type": "http",
"url": "https://<connection URL we send you>",
"headers": {
"Authorization": "Bearer <sent when agent access opens>"
}
}
}
}Anything in <angle brackets> is a placeholder. The real connection details are sent when agent access opens.
What your AI can do
The exact tools your AI can call, for developers. You don't need these names to use EF: just ask your AI in plain words.
11 of 11 tools shown for Owner
From shoebox to banker.
Bring your statements.
Upload your statements.
Penniva's Superpowers
Four key capabilities
Document Processing
AI reads the statements you upload into transactions.
Transfers, journals and approval
Matches transfers between your entities and sorts transactions into double-entry journals, and you approve the books before each period closes.
Banker packages
A banker package is built from your closed months: a P&L and a balance sheet for the group and for each entity, with the account detail behind them.
Empathetic Interface
Finance doesn't have to be frightening. Penniva provides clear explanations, helpful guidance, and a user-friendly design that makes financial management approachable.
- User-friendly retro design
- Clear explanations & tooltips
- Helpful error messages
- Guided workflows
How Penniva Works
From chaos to clarity in three simple steps
Upload
Upload your statements.
Process
Penniva guides you through your bookkeeping in Expansas Financial.
Review
You approve the books before each period closes.
Upload
Upload your statements.
Process
Penniva guides you through your bookkeeping in Expansas Financial.
Review
You approve the books before each period closes.
Frequently Asked Questions
Everything you need to know about Penniva
AI reads the statements you upload into transactions, and the totals are checked against the statement balance.
No. Expansas Financial runs in your browser, on phones too. New customers start by requesting early access, and we email your sign-in details when your spot opens.
See current Business Nexus module pricing at /pricing.
The totals are checked against the statement balance, and you approve the books before each period closes.
Support options depend on your plan. See current details at /pricing or contact us and we will point you to the right help.
Ready to Simplify Your Finances?
Penniva guides you through your bookkeeping in Expansas Financial.