SKARTIO AI Cloud
Business Cloud

Digitalize your business. Operate everything from one cloud.

Launch a professional business website, manage customer relationships, automate sales and organize finance, operations and services through one connected business platform.

Partners

Connect, build and grow across the SKARTIO Eco-System.

A connected ecosystem for business partners, developers and investors contributing to customer growth, platform innovation and SKARTIO's global expansion.

SKARTIO Business Cloud

Run your business and your books together.

Cloud FinOps connects accounting, cash, invoicing, expenses, workforce, payroll, operational projects and business planning in one platform. As your business operates, the financial impact stays connected—giving owners and teams an always-current view of revenue, cost, cash and performance.

Finance + Operations in one platformPayroll, expenses, projects and books connectedStandard, Premium and Ultimate
Cloud FinOps Business Command Center
Healthy

Business Performance Today

Operational activity and financial position in one connected view.

₹18.6LCash Position
₹6.8LReceivables
₹4.1LPayroll Cost
People
Work
Bill
Account
Decide

Cash & Collections

Workforce & Cost

Finance
Workforce
Business Performance
Operations Layer

Run the Business

Manage employees, attendance, leave, payroll inputs, expenses, operational projects, timesheets, vendors and everyday business activity.

WorkforcePayrollExpensesProjects & Time
Business events carry their financial context
Finance Layer

Keep the Books Current

Maintain accounting, receivables, payables, invoicing, banking, reconciliation, tax, budgets and financial reporting from the same operating context.

GL & AccountingAR / APBankingReports
Solution at a Glance

One platform. Two connected layers. One always-current business picture.

Cloud FinOps is not separate accounting and people tools placed side by side. Operations and finance share business context, so payroll, approved expenses, billable work, vendor obligations and collections can flow into the right financial processes without repeated entry.

Finance Layer

Keep books, cash, invoices, bills and statutory reporting organized.

  • General Ledger and Chart of Accounts
  • Receivables and Payables
  • Banking and Reconciliation
  • Tax and Financial Reporting

Operations Layer

Manage people and operational work that creates business cost and value.

  • Employee 360, Attendance and Leave
  • Payroll and Employee Self-Service
  • Projects, Timesheets and Expenses
  • Workforce and Resource Planning

Finance–Operations Bridge

Translate business events into controlled financial outcomes.

  • Payroll to Finance postings
  • Timesheets to Project Cost and Billing
  • Expenses to Reimbursement and Accounting
  • Headcount Plans to Budget Commitments

Business Intelligence

Understand profitability, cash, workforce cost and operating performance together.

  • Cash and Working Capital
  • Revenue and Expense Trends
  • Workforce Cost and Budget Variance
  • Project and Business Profitability
Cloud FinOps by Business Type

Finance and operations connected around the way your business actually runs.

Cloud FinOps uses one platform and adapts the starting configuration for SMBs, technology startups and service businesses—without forcing separate industry editions.

FinOps for SMBs

Run everyday business operations and understand your numbers without juggling separate systems.

For growing businesses that need simple accounting, payroll, expenses, invoicing, employee operations and management visibility in one connected workspace.

Best fitOwner-led and growing SMB teamsRetail, ecommerce, local services, family businesses, professional firms and multi-location teams.
Business Challenge

Finance and operations live in different places

  • Payroll, expenses and accounts require repeated entry
  • Owners wait for reports to understand cash and profitability
  • Employee and vendor records are difficult to govern
How Cloud FinOps Helps

Run the business through one connected operating model

  • Manage books, invoices, expenses, payroll and people together
  • Connect operational events with financial processing
  • Monitor cash, receivables, payables and business cost continuously
Business Benefits

Spend less time reconciling and more time running the business

  • Reduce administrative duplication
  • Improve cash and expense control
  • Give owners a current business-health view
Relevant FinOps use cases
BookkeepingPayrollInvoicingExpense ManagementBusiness Dashboard
Connected Business Cloud solutions
Cloud SBSCloud CRMCloud SBRCloud Recruit
Current BooksKeep financial information aligned with business activity.
Better Cash ControlSee receivables, payables and obligations earlier.
Lower Admin EffortReduce repeated data entry and manual reconciliation.
FinOps for Tech Startups

Understand burn, headcount cost and runway while your company scales.

For technology and SaaS companies that need tighter control over people cost, vendor spend, collections, budgets and cash without adding heavy operational systems too early.

Best fitTechnology and subscription-led businessesFounders, finance teams, people operations and department leaders managing rapid growth.
Business Challenge

Growth creates cost faster than financial visibility

  • Hiring decisions are disconnected from budgets
  • Payroll and vendor spend expand rapidly
  • Founders struggle to see burn and cash runway continuously
How Cloud FinOps Helps

Connect workforce decisions with financial planning

  • Model headcount and compensation cost before hiring
  • Track payroll, vendors, expenses and collections together
  • Monitor departmental budgets, burn and cash forecasts
Business Benefits

Scale with stronger financial discipline

  • Improve hiring and spend decisions
  • Detect budget variance earlier
  • Build more predictable runway visibility
Relevant FinOps use cases
Headcount PlanningPayroll CostVendor SpendBurn & RunwayManagement Reporting
Connected Business Cloud solutions
Cloud SBRCloud CRMCloud FinOpsCloud Recruit
Controlled BurnConnect recurring operating cost with cash planning.
Smarter HiringUnderstand cost impact before approving headcount.
Better ForecastingUse current operating inputs for management planning.
FinOps for Service Business

Connect people, time, project cost, billing and profitability.

For consulting, agencies, implementation teams and professional-service businesses where employee effort is the biggest operating cost and billable work is the primary revenue driver.

Best fitPeople-intensive service organizationsConsulting, IT services, digital agencies, managed services, engineering and implementation businesses.
Business Challenge

Revenue is visible, but delivery cost and margin are not

  • Timesheets and payroll sit outside project financials
  • Billable work is missed or invoiced late
  • Resource utilization and engagement margin require manual analysis
How Cloud FinOps Helps

Turn operational work into financial context

  • Capture time against clients and projects
  • Allocate labor and expenses into project cost
  • Prepare billing and monitor engagement profitability
Business Benefits

Protect revenue and delivery margins

  • Reduce billable-time leakage
  • Improve utilization visibility
  • Accelerate invoicing and collections
Relevant FinOps use cases
TimesheetsProject CostClient BillingResource UtilizationProject Margin
Connected Business Cloud solutions
Cloud FinOpsCloud CRMCloud SBRCloud Recruit
Faster BillingTurn approved work into billing readiness sooner.
Visible MarginsUnderstand labor and expense impact by engagement.
Better UtilizationSee capacity and billable effort in context.
Business Benefits

Make operations financially aware and finance operationally current.

Cloud FinOps helps business leaders reduce administrative friction while improving cash visibility, cost control, workforce planning and profitability insight.

One Business. One Financial Truth.

Connect operational activity with financial processing instead of reconciling separate systems after the fact.

Always Know Your Cash Position

See cash, receivables, payables, payroll obligations and major spending commitments together.

Control People Cost

Understand headcount, payroll, attendance, overtime and planned workforce cost against budgets.

Turn Work Into Revenue Faster

Connect billable time, project milestones and approved work with invoicing readiness and collections.

Reduce Administrative Work

Use controlled workflows to remove repeated entry between payroll, expenses, project cost and accounting.

Decide With Current Data

Give owners and managers a current view of profitability, budgets, workforce cost and operating performance.

Capabilities

Operate finance, workforce and business cost through one connected management suite.

Cloud FinOps combines the core financial controls an SMB needs with the operational context that explains where money is being earned, spent and committed.

01

Financial Accounting

Maintain the financial system of record for the business.

General Ledger and journalsChart of Accounts and accounting periodsCost centers and profit centersTrial balance and audit trail
Always-current accounting foundation
02

Banking & Reconciliation

Keep bank and card activity aligned with the books.

Bank and card feedsTransaction imports and matchingCategorization assistanceBank-to-book reconciliation
Faster and cleaner reconciliation
03

Receivables & Customer Billing

Create invoices, track collections and understand outstanding revenue.

Branded and recurring invoicesPayment status and remindersCredit notes and customer statementsReceivables aging and collection tracking
Move invoicing into cash faster
04

Payables & Vendor Management

Control supplier obligations and vendor spending.

Vendor directory and billsApproval and payment schedulingVendor credits and statementsPayables aging and due-date visibility
Know what is owed and when
05

Expense Management

Capture, approve, reimburse and account for business spending.

Receipt capture and extractionExpense policies and categoriesProject / cost-center allocationApprovals and reimbursements
Turn expenses into governed financial records
06

Workforce & Payroll

Manage people operations and connect payroll with finance.

Employee 360, attendance and leaveShifts, overtime and payroll inputsPayslips and employee self-servicePayroll expense and liability postings
Make people cost visible and controlled
07

Projects, Time & Resource Cost

Track operational work where effort creates financial impact.

Operational and client projectsTimesheets and billable flagsResource allocation and utilizationLabor cost and project profitability
Connect team effort to cost and revenue
08

Budget & Workforce Planning

Plan spending and headcount before commitments become cost.

Company and department budgetsHeadcount and compensation planningPlanned vs actual and varianceScenario modelling and forecast
See the impact before approving the spend
09

Tax, Compliance & Controls

Apply configurable financial controls and maintain traceability.

GST / VAT / sales-tax configurationApproval thresholds and period controlsTransaction and workflow audit historyFiling-ready reports and exports
Govern finance without excessive complexity
10

Financial & Business Intelligence

Bring finance and operational performance into one management view.

P&L, Balance Sheet and Cash FlowRevenue and expense trendsPayroll and department costProject profitability and cash forecast
Understand what is driving business performance
Key Features

Practical tools for the daily financial and operational work of a growing business.

Each feature is designed to keep finance usable for owners and operators while preserving the control, traceability and reporting needed by finance teams.

Business Finance Dashboard

Cash, revenue, receivables, payables, payroll and operating performance at a glance.

Smart Bookkeeping

Bring transactions into a structured review, categorization and reconciliation workflow.

Accounts & General Ledger

Maintain reliable books with journals, account balances, periods and audit history.

Invoicing & Collections

Issue invoices, track payment status, reminders, outstanding balances and collections.

Bills & Payables

Capture supplier obligations, approvals, due dates and payment status.

Expense Management

Submit, approve, reimburse and account for employee and business expenses.

Employee 360

Keep employment, organization, cost-center, document and status information connected.

Payroll Management

Process earnings and deductions, publish payslips and post approved payroll into finance.

Employee Self-Service

Give employees mobile-friendly access to leave, payslips, timesheets, expenses and documents.

Workforce Planning

Model headcount, compensation and departmental cost before hiring commitments.

Project Cost & Timesheets

Connect time, utilization, labor cost, expenses and billable work to operational projects.

Budget & Business Analytics

Track planned versus actual performance across cash, cost centers, teams and projects.

How Cloud FinOps Works

Run the business. Keep every financial impact connected.

Cloud FinOps follows one connected operating lifecycle—from business setup and workforce activity to billing, accounting, control and management planning. The Finance–Operations Bridge carries approved operational events into the right financial process without duplicate entry.

01

Set Up

Configure company, accounts, tax, banks, departments, cost centers and financial controls.

02

Organize & Operate

Run employees, payroll inputs, attendance, projects, timesheets, expenses and vendors.

03

Bill & Collect

Convert business activity into invoices, receivables, reminders, collections and cash.

04

Pay & Account

Process payroll, reimbursements, supplier bills, payables and accounting entries.

05

Reconcile & Control

Reconcile banks, manage approvals, tax context, exceptions, audit trails and period controls.

06

Understand & Plan

Review cash, profitability, workforce cost, project margins, budgets and forward scenarios.

Finance–Operations BridgeOne approved business event can update the relevant operational and financial context without re-entry.
People & PayrollEmployee and payroll events carry cost and liability context.
Projects & CostTimesheets and expenses update project and labor economics.
Billing & CashBillable work, invoices, receivables and collections stay connected.
Budgets & ControlApprovals, budgets, tax and auditability govern financial impact.
Who It Helps

Give every role the operational and financial context they need.

Cloud FinOps presents different working views for owners, finance, people operations, project managers and employees while keeping the underlying business data connected.

Founder / Business Owner

See cash, revenue, collections, payroll cost, expenses and operating performance without waiting for separate finance and operational reports.

Expected outcomeA current view of business health for faster owner decisions.

Key Features

Business DashboardCash PositionReceivables & PayablesPayroll CostBudgetsProfitability

Practical Workflow

01Review cash, collections and upcoming obligations
02Check payroll, expenses and major cost movements
03Approve material spending or workforce decisions
04Review profitability and forecast the next period
Business Scenarios

See how everyday operations become current financial visibility.

Cloud FinOps adapts to different business models while keeping the same connected finance-and-operations foundation. Each scenario links operational activity to the financial result that matters.

01

Run a Growing SMB

Bring everyday people, expense, billing and accounting activity into one business operating view.

  • Employees, attendance and payroll
  • Expenses, vendors and payables
  • Customer invoices and collections
  • Books, cash and business dashboard
02

Professional Services Profitability

Connect employee effort and project delivery directly with client billing and engagement economics.

  • Project teams and resource allocation
  • Billable and non-billable timesheets
  • Labor cost and project expenses
  • Client billing, collection and margin
03

Control Startup Burn

Give founders a current view of workforce commitments, operating cost, revenue and runway.

  • Headcount and compensation planning
  • Payroll and vendor commitments
  • Operating expense and budget variance
  • Cash position and runway visibility
04

Multi-Location Operations

Manage workforce and cost consistently while retaining location-level financial visibility.

  • Employees, shifts and payroll by location
  • Local expenses and approvals
  • Revenue and cost-center performance
  • Central controls with location reporting
05

Plan New Hiring

Understand the financial impact of headcount before approving a new position.

  • Position and compensation scenario
  • Department budget impact
  • Approval and hiring commitment
  • Payroll and workforce-cost activation
06

Employee Expense Management

Replace paper and chat-based claims with a controlled employee-to-finance workflow.

  • Receipt and expense submission
  • Policy and manager approval
  • Finance review and reimbursement
  • Accounting and cost-center update
Technology Foundation

Event-connected finance and operations on one configurable business platform.

Cloud FinOps keeps the operational and accounting domains separate enough for control, but connects them through governed business events so approved operational activity can carry the right financial context without brittle point-to-point logic.

Cloud FinOps Core

Finance, people and operational cost in one governed suite

Shared services for accounting, AR/AP, banking, expenses, payroll, workforce, projects, budgets, approvals and analytics.

FinanceWorkforcePayrollProjectsBudgetsControlsAnalytics

Cloud Business Connect

Connect banks, payment gateways, tax services, ecommerce, CRM, subscription billing, payroll providers and external finance systems.

Business Event Layer

Use governed events such as PayrollApproved, ExpenseApproved and TimesheetApproved to update the appropriate financial process.

BizOps Agents

Assist with reconciliation, collections, expense anomalies, workforce cost, cash insights, project margins and executive business questions.

Configuration Driven

Adapt tax settings, payroll components, approvals, cost centers, business types and operating defaults without creating separate product editions.

Role-Based SecuritySeparate employee, finance, manager and administrative access.
AuditabilityTrace approvals, postings, adjustments and operational state changes.
Regional ConfigurationSupport configurable tax, payroll and payment integrations by market.
Responsive ExperienceOptimized across desktop, small laptops, tablets and mobile.
Cloud FinOps Plans

One FinOps product. Scale capability depth as your business grows.

Cloud FinOps does not split customers into industry editions. Every business uses the same platform, while Standard, Premium and Ultimate control capability depth, automation, analytics and scale.

Run & Account

Cloud FinOps Standard

For smaller businesses establishing connected finance and basic workforce operations.

  • Business finance dashboard
  • Bookkeeping, GL, AR and AP
  • Invoices, expenses and banking
  • Reconciliation and standard reports
  • Employee records, attendance and leave
  • Basic payroll and employee self-service
Start with Standard
Plan & Optimize

Cloud FinOps Ultimate

For businesses requiring advanced planning, governance, integrations and executive intelligence.

  • Everything in Premium
  • Advanced budgeting and scenario planning
  • Multi-unit operational controls where supported
  • Advanced cost-center and profitability analytics
  • Cloud Business Connect integrations
  • BizOps Agents and executive intelligence
  • Advanced governance and automation
Explore Ultimate
Start Now

Launch your connected Finance & Operations workspace in five guided stages.

Start with the business structure and financial basics, then connect workforce and operational processes so Cloud FinOps can reflect how your business actually runs.

01

Set Up Your Business

Configure company, region, fiscal year, currency, tax, chart of accounts, departments and cost centers.

02

Connect Finance

Add banks, payment methods, customers, vendors and opening financial balances.

03

Add Your Team

Set up employees, departments, attendance, leave, payroll components and employee access.

04

Configure Operations

Set projects, timesheets, expenses, budgets, approvals and operational controls.

05

Go Live & Monitor

Start invoicing, payroll, expenses and reconciliation while management dashboards update continuously.

Book a FinOps Consultation

Design the right connected finance and operations model for your business.

Our Business Cloud team can help map accounting, payroll, workforce, expense, project-cost and reporting requirements to the right Cloud FinOps configuration and plan.

Review current finance, payroll and operational workflows.
Define chart of accounts, cost centers, approvals and workforce setup.
Recommend Standard, Premium or Ultimate rollout path.

Book a consultation

Request a focused Cloud FinOps demo or share your requirement.

Phone
Your details will only be used to respond to this request.
Customer Success

Different businesses connecting finance with the operations that drive it.

Illustrative success stories show how Cloud FinOps can improve everyday financial control, service-business profitability and multi-location operating visibility.

Growing SMB
健全
“We can now see invoices, expenses, payroll and cash from one place instead of waiting for separate reports.”
SM
Business OwnerGrowing multi-team SMB
Success story

From fragmented admin to one business-finance view

Cloud FinOps connected bookkeeping, employee operations, expenses and customer billing around one shared business context.

Current visibility into cash and obligationsLess duplicate entry across teamsFaster owner decisions
Professional Services
“Approved timesheets now tell us both what the team delivered and what each engagement is actually costing.”
PS
Operations DirectorProfessional services company
Success story

Connected effort, billing and project profitability

The service team used Cloud FinOps to align resource time, labor cost, client billing and project margin in one operational-financial workflow.

Better billable-time captureEarlier margin visibilityFaster invoicing readiness
Multi-Location Operations
“Headcount, payroll, expenses and location performance are now visible without consolidating spreadsheets every week.”
ML
Finance & Operations HeadMulti-location service business
Success story

One operational view across locations

Cloud FinOps helped centralize workforce, cost and finance controls while preserving location-level visibility for managers.

Consistent controls across locationsVisible workforce costClearer location performance
FAQs

Frequently Asked Questions About Cloud FinOps

Clear answers for businesses evaluating a connected finance and operations platform.

Cloud FinOps is SKARTIO’s Finance & Operations Management Suite. It connects accounting, cash, invoices, bills, expenses, workforce, payroll, operational projects, budgets and business performance in one platform.

Yes, Cloud FinOps includes a practical finance layer with General Ledger, AR/AP, invoicing, banking, reconciliation, expenses, tax context and financial reporting. Its differentiation is that the finance layer is connected with workforce and operational activity.

The Operations layer includes employee records, attendance, leave, shifts, payroll inputs, employee self-service, workforce planning, operational projects, tasks, timesheets, resource allocation and project-cost context.

Governed business events carry operational context into financial processes. For example, approved payroll can create salary and liability postings, approved expenses can create reimbursement and expense records, and approved timesheets can update project labor cost and billable value.

Yes. Cloud FinOps supports payroll periods, earnings, deductions, allowances, overtime, reimbursements, approvals, payslips, employee payables and accounting postings. Country-specific statutory requirements can be configured or integrated where needed.

Yes. Employees can use a mobile-friendly self-service experience for payslips, leave, attendance, timesheets, expenses, reimbursements and documents based on their permissions.

Yes. Cloud FinOps supports customer invoicing, receivables, payment tracking, reminders and statements, as well as vendor bills, payables, due dates, approvals and payment status.

Cloud FinOps is designed to connect or import bank and card activity, match transactions and maintain a structured bank-to-book reconciliation workflow. Availability of direct feeds depends on market and banking integrations.

Yes. Operational projects can capture team allocation, timesheets, billable status, labor cost, expenses and project profitability. Advanced strategy and agile delivery remain within Cloud FinOps.

Yes. Businesses can compare current and planned headcount, model compensation cost, align positions to department budgets and run scenarios before approving workforce growth.

Yes. Cloud FinOps can manage company, department, cost-center, workforce and project budgets, compare planned versus actual spend, and provide cash, receivable, payable and forecast views.

Cloud FinOps supports configurable indirect-tax categories, calculations, summaries, filing-ready reports, audit trails and accounting-period controls. Exact tax and statutory capabilities depend on the configured market.

No. Cloud FinOps is one product. During onboarding it can apply different defaults for retail/ecommerce, service businesses, startups or team-based SMBs while keeping the same underlying platform.

Cloud FinOps includes lightweight projects, tasks, timesheets and costing where operational work creates financial impact. Cloud FinOps is the deeper solution for strategy, roadmaps, portfolio planning, agile delivery and advanced delivery governance.

Cloud FinOps focuses on company finance, accounting, payroll, expenses, AR/AP and operational financial management. Cloud SBR focuses on advanced customer subscription lifecycle, recurring and usage billing, renewals and revenue-management models.

Yes. Cloud Business Connect provides the integration foundation for banks, payment gateways, ecommerce platforms, tax services, CRM, subscription billing, payroll providers, external accounting systems and data platforms.

Cloud FinOps can model locations, departments and cost centers, with deeper multi-unit operating controls available according to plan and deployment requirements.

Cloud FinOps can use BizOps Agents for governed assistance such as transaction categorization suggestions, reconciliation support, collection insights, expense anomaly detection, workforce-cost analysis and executive business summaries.

Run your business. Keep your books current. Know what is really happening.

Connect finance, workforce, payroll, expenses, projects and business performance in one Cloud FinOps operating environment.