# Your operating money. Ready for the next decision.

Canonical page: https://finanzer.ai/business/accounts

> Receive business funds, hold supported currencies and track commitments with Finanzer. Separate available cash from payments waiting for approval or release.

Manage balances by currency, follow payment activity and give your team the access it needs. Keep company money connected to supplier payments, cards and treasury decisions.

## What came in? What needs to go out?

Before committing money, finance needs the balance and the activity around it.

### Receive and hold

Use the account’s funding details and supported currencies for company money. Keep balances distinguishable by currency and type.

### See payment commitments

Review supplier payments and items waiting for approval alongside available operating money.

### Give access by responsibility

Separate the colleague preparing a payment from the approver or auditor reviewing the record.

### Keep the financial record

Connect transactions to their references and supporting activity, then use statements and accounting records for review.

## A supplier is due. Your cash view should reflect it.

A pending approval has an expected effect on cash even before funds leave. Use the payment context to decide what to approve and what to keep available for other commitments.

The illustrative business view starts with €24,800 available. A proposed €840 supplier payment and €0.80 fee would leave €23,959.20, before any other activity. The payment remains pending approval.

[Follow the payment workflow](https://finanzer.ai/business/payments)

## Make the account fit the way you operate.

Start with legal entities, currencies and responsibilities.

### Confirm the entity

Review business verification, location and service availability for the company opening the account.

### Define the money flows

List how money comes in, the currencies you hold and the suppliers or contractors you pay.

### Assign authority

Set the roles and approvals for the people preparing, approving and reviewing financial activity.

## An account is the starting point.

Use each product for a distinct operating need.

| Need | Next step |

| --- | --- |

| Employee or vendor spending | Issue a card with a purpose and appropriate controls. |

| International suppliers | Review recipients, quotes and required approvals. |

| Cash buffers and currency exposure | Bring the position into a treasury review. |

| Funding before revenue arrives | Discuss the purpose and repayment plan with Capital. |

## Choosing a Business account

### What documents are needed?

Business verification requirements depend on the entity, jurisdiction and service provider. Expect the relevant company, ownership and authorized-person information to be requested through the approved process.

### Can I give my accountant access?

An Auditor role lets you separate access to records from operational responsibilities. Choose the permissions your accountant needs rather than sharing another person’s credentials.

### Can I hold different currencies?

Supported balances and funding methods depend on the account and market. Confirm the currencies, their legal treatment and conversion routes for your business.

### Is opening an account the same as getting financing?

No. Capital requires a separate eligibility and underwriting assessment. An account does not imply a credit approval or limit.

## Build the account around your operation.

Tell us your entity locations, currencies and the payments your team handles.

[Discuss your setup](https://finanzer.ai/contact?topic=Business%20demo#enquiry)

[Explore Treasury](https://finanzer.ai/treasury)