What Decimal does

Decimal is an Indianapolis-based financial operations platform founded in 2020 to deliver outsourced bookkeeping, tax, bill pay, expense management, invoicing, financial reporting, payroll support, and advisory services to small and mid-sized U.S. businesses. The company packages eight core service modules on top of QuickBooks Online, with deep integrations into the broader SMB fintech stack (Ramp, Bill.com, Gusto, ADP, Rippling, Shopify, Stripe, etc.), and tailors delivery through eight industry-specific solutions spanning eCommerce, home services, dental, multi-location, SaaS, professional services, nonprofit, and manufacturing. Pricing is structured as fixed monthly subscriptions (typically $1,000–$2,250/month per client) with dedicated expert teams rather than hourly billing.

The underlying technology is a proprietary operating system comprising standardized playbooks (sales, pricing, onboarding, delivery, quality), production teams, and AI-enabled workflows (AI agents for proposal scoping, transaction anomaly detection, document summarization, and draft client communications). Over 2022–2024, Decimal scaled inorganically by acquiring KPMG Spark (November 2022) and Facta Inc. (June 2024), growing the client base to 1,000+ SMB accounts.

In April 2026, Decimal announced a strategic pivot from direct client services to a franchise model, licensing its operating system, playbooks, production teams, and AI tools to independent accounting firm owners who retain 100% equity in their firms and pay royalties. In May 2026, Decimal sold its direct services business—including the team and client relationships—to Numera (backed by Astira Capital), creating a combined Numera platform serving 10,000+ clients across the U.S., India, and the Philippines. Post-transaction, Decimal operates primarily as a franchisor of accounting firm infrastructure rather than a direct accounting services provider.

Name

Decimal

Legal name

Decimal

Website

https://decimal.com

Company type

Private

Founded year

2020

Operating status

Operating

Headcount range

1–10 employees

Short description

Decimal is an Indianapolis-based fintech founded in 2020 that provides outsourced bookkeeping, tax, and back-office financial operations to small and mid-sized businesses. In 2026, it sold its direct services business to Numera and pivoted to franchising its proprietary operating system to independent accounting firm owners.

Ownership category

akta.pro rank

Product category

Outsourced Bookkeeping and Accounting Services

NAICS

Other Accounting Services (541219), Accounting, Tax Preparation, Bookkeeping, and Payroll Services (54121)

SIC

Services-Computer Programming, Data Processing, Etc. (7370), Services-Computer Processing & Data Preparation (7374)

akta.pro primary industry

Bill Pay, Invoicing & Payables Platforms (BPAMAFAF)

akta.pro secondary industries

Expense Management & Employee Reimbursements (FSAGAJAE), Corporate Treasury & Supplier Payments (AP, Mass Payments) (FSAMAKAL), Corporate Cards & Spend Controls (FSAGAJAF)

Keywords

• Outsourced bookkeeping services
• Small business accounting
• Tax preparation services
• Financial reporting services
• Franchise accounting operations

Headquarters

HQ city

Indianapolis

HQ country

United States

HQ region

North America

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Supply Chain

Revenue model

1. Bookkeeping and Accounting Services: Monthly subscription fees for comprehensive bookkeeping services including monthly close, bank reconciliation, journal entries, financial statements, and dedicated accounting team support. Fixed monthly pricing model with no hourly billing.
2. Tax Services: Year-round tax preparation and planning services including business tax preparation, estimated quarterly payments, entity structure guidance, and tax planning strategy. Can be paired with bookkeeping or standalone.
3. Bill Pay Services: Management of bill pay activities including categorization, payment preparation, approval workflows, vendor management, and platform optimization. Integrated with Ramp, Bill.com, and similar tools.
4. Advisory Services: Financial operations strategy, systems optimization, technology guidance, team training, and platform conversions. Available as standalone or paired with ongoing bookkeeping.
5. Franchise Royalty: Decimal firm owners pay a royalty which funds shared infrastructure and the network. Franchisees get access to the operating system, technology, playbooks, and support while owning 100% of their firm.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels6 records

Core offering

Decimal delivers outsourced bookkeeping, tax, bill pay, expense management, invoicing, financial reporting, payroll support, and advisory services to small and mid-sized businesses through dedicated expert accounting teams on a fixed monthly pricing model. The company operates a proprietary operating system featuring standardized playbooks and AI-powered workflows that now licenses to independent accounting firm owners via a franchise model. All services integrate primarily with QuickBooks Online and connect with fintech tools including Ramp, Bill.com, Gusto, ADP, and Rippling.

Product overview

Decimal is a fintech company offering a unified financial operations platform for small and mid-sized businesses. The core offering consists of eight integrated service modules: Bookkeeping Services, Tax Services, Bill Pay Services, Expense Management Services, Invoicing Services, Financial Reporting Services, Payroll Support Services, and Advisory Services. These core services are delivered through industry-specific solutions tailored for eCommerce, Home Services, Dental & Orthodontics, Multi-Location businesses, SaaS companies, Professional Services firms, Nonprofits, and Manufacturing. The platform is built on a franchise operating system that Decimal now licenses to independent accounting firm owners, providing standardized processes, AI agents, and shared infrastructure while firms retain 100% ownership. All services use fixed monthly pricing with QuickBooks Online as the primary accounting platform integration.

Differentiator

Problem solved

Functional benefit

Products and services

• Bookkeeping Services Monthly bookkeeping with a dedicated team handling monthly close, bank and credit card reconciliation, journal entries, and financial statements delivered on a fixed monthly pricing model for small and mid-sized businesses.
• Tax Services Year-round tax preparation and planning including business tax preparation, estimated quarterly payments, entity structure guidance (LLC, S-Corp, C-Corp), and tax planning strategy, available standalone or paired with bookkeeping.
• Bill Pay Services Managed bill pay including categorization, payment preparation, approval workflows, vendor management, and platform setup/optimization for Ramp, Bill.com, Routable, Veem, and similar AP tools.
• Expense Management Services Real-time expense categorization, spending controls, platform setup, receipt management, and monthly reconciliation integrated with accounting systems and tools like Fyle, Expensify, Brex, and Ramp.
• Invoicing Services Invoice creation, delivery, accounts receivable monitoring, client onboarding, invoice review, and automated invoicing setup for recurring billing.
• Financial Reporting Services Monthly P&L, balance sheet, cash flow statements, custom reporting, KPI tracking, board and investor packages, and budget versus actuals analysis.
• Payroll Support Services Payroll journal entries, reconciliation, tax liability tracking, and benefits and deductions accounting integrated with Gusto, ADP, Rippling, and Deel.
• Advisory Services Financial operations strategy, systems optimization, technology guidance, team training, and platform conversions (e.g., to QuickBooks Online), available standalone or paired with ongoing bookkeeping.
• Decimal Franchise Model Franchise operating system for independent accounting firm owners providing standardized playbooks, production teams, technology, AI agents, and shared infrastructure. Franchisees own 100% of their firm and pay royalties for platform access.

Quantifiable outcome

• 35% faster book closing
• +4 more outcomes

Named customers13 records

Segments9 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration32 records

AI capability5 records

Feature3 records

Partnerships

25 partnerships are on record, tiered major, strategic, minor, core and supporting.

• NumeramajorStrategic or Co-development Partner · 19 May 2026Numera, backed by Astira Capital, acquired Decimal's direct services business including team and client relationships to expand its national platform serving over 10,000 clients across US, India, and Philippines.
• PuzzlestrategicStrategic or Co-development Partner · 1 February 2025Decimal and Puzzle partnered to modernize accounting and transition former KPMG Spark clients to smarter AI solutions. Joint go-to-market for modernizing accounting workflows.
• Facta Inc.minorStrategic or Co-development Partner · 1 June 2024Decimal acquired bookkeeping services from Facta Inc. in June 2024, continuing rapid growth trajectory.
• FylestrategicTechnology or Integration · 1 July 2023Fyle and Decimal partnered to bring real-time expense management and simplified financial operations for SMBs. Fyle provides real-time expense management platform that integrates with business credit cards.
• KPMG SparkcoreStrategic or Co-development Partner · 30 November 2022Decimal acquired the cloud-based bookkeeping service and assets of KPMG Spark from KPMG LLP in November 2022. This was a strategic acquisition to expand Decimal's offerings and client base.
• QuickBooks OnlinecoreTechnology or IntegrationPrimary accounting platform integration. All Decimal services integrate with QuickBooks Online for accounting, with support for conversions from other systems.
• RampcoreTechnology or IntegrationFinance automation platform partner for spend management, corporate cards, bill payments, and expense tracking. Decimal helps clients optimize Ramp setup and workflow integration.
• Bill.comcoreTechnology or IntegrationAP automation partner for end-to-end accounts payable processing. Decimal integrates with Bill.com for bill pay services.
• GustocoreTechnology or IntegrationPayroll platform partner. Decimal handles payroll accounting, journal entries, reconciliation, and tax liability tracking for Gusto users.
• ADPsupportingTechnology or IntegrationHCM and payroll platform partner. ADP provides payroll and HR services; Decimal handles the accounting side integration.
• RipplingsupportingTechnology or IntegrationHR and IT platform partner with payroll capabilities. Decimal integrates for accounting and financial operations support.
• StripesupportingTechnology or IntegrationPayments infrastructure partner. Decimal integrates with Stripe for businesses using their payments platform.
• ShopifysupportingTechnology or IntegrationeCommerce platform partner for online sellers. Decimal provides specialized Shopify integration for multi-channel revenue reconciliation.
• SquaresupportingTechnology or IntegrationPoint of sale and commerce platform partner. Supports Square users with integrated accounting services.
• ExpensifysupportingTechnology or IntegrationExpense management platform partner for simplifying expense reporting on business credit cards.
• BrexsupportingTechnology or IntegrationCorporate cards and spend management platform partner for scaling companies.
• A2XsupportingTechnology or IntegrationeCommerce accounting app that automatically reconciles payouts from sales channels in QuickBooks Online.
• SyndersupportingTechnology or IntegrationAccounting integration platform for eCommerce and SaaS businesses, supporting multiple platform integrations.
• REDW Advisors & CPAssupportingChannel Partner/ Reseller/ DistributorTax partner providing financial solutions, accounting, audit, tax, and wealth management for individuals and mid-market companies.
• AmpliFisupportingChannel Partner/ Reseller/ DistributorFractional CFO partner providing data-driven financial and strategic expertise for ambitious business owners.
• AutoCFOsupportingChannel Partner/ Reseller/ DistributorFractional CFO team for small businesses, nonprofits, and Seed/A startups, augmented by automation software.
• Greenhouse Business AdvisorssupportingChannel Partner/ Reseller/ DistributorFractional CFOs for eCommerce companies scaling to 8-figures, building custom financial plans and identifying profit opportunities.
• Next Round CFOsupportingChannel Partner/ Reseller/ DistributorFractional CFO services for early stage emerging tech SaaS companies, specializing in Cybersecurity, API, and Data Management sectors.
• Sikich Site Selection and Incentives (SSI)supportingChannel Partner/ Reseller/ DistributorSite selection and incentives consulting firm helping growing companies connect with local and state incentives.
• Strike Tax AdvisorysupportingChannel Partner/ Reseller/ DistributorR&D tax credit optimization partner enabling businesses to claim tax credits they are entitled to without upfront costs.

Scale indicators4 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• Pilot: Pilot is a direct competitor in outsourced bookkeeping, tax, and CFO services for startups and SMBs, with a tech-enabled delivery model closely aligned to Decimal's approach. Both target SMB and venture-backed customers with fixed monthly pricing and integrations into QuickBooks and the modern fintech stack.
• Bench (now part of Employer.com): Bench is a direct competitor offering AI-powered bookkeeping for SMBs with a dedicated team model and QuickBooks-style reporting. Decimal and Bench compete head-to-head for the same SMB customer and have overlapping value propositions around fixed monthly pricing and integrated software.
• Botkeeper: Botkeeper combines AI-driven bookkeeping automation with human accountants, targeting SMBs and accounting firms. As an AI-first bookkeeping platform, it competes with Decimal on technology-driven service delivery and also sells into the accounting-firm channel that Decimal is now franchising into.
• Kruze Consulting: Kruze Consulting is a direct competitor specializing in outsourced accounting, tax, and CFO services for venture-backed startups. Like Decimal, Kruze delivers fixed-fee bookkeeping with deep QuickBooks expertise and serves the SaaS, eCommerce, and tech-vertical customer segments.
• Bookkeeper360: Bookkeeper360 is a direct competitor providing outsourced bookkeeping, tax, CFO, and payroll services to SMBs and startups. Its tech-enabled delivery model, QuickBooks integration, and Xero partnership put it in direct competition with Decimal for the same buyer profile.

Broad incumbents

• 1-800Accountant: 1-800Accountant is a broader incumbent offering accounting, tax, bookkeeping, payroll, and advisory services to SMBs nationwide. It overlaps with Decimal on core bookkeeping and tax but operates as a more traditional professional services firm rather than a tech-enabled platform.
• CliftonLarsonAllen (CLA): CLA is a top-10 U.S. accounting and advisory firm with a sizable SMB and small-mid-market practice. While CLA is much broader and not SMB-exclusive, its outsourced accounting and advisory services compete with Decimal for mid-market and multi-location customers.

Emerging players

• Gusto: Gusto is primarily a payroll and HR platform but is expanding into integrated accounting-adjacent services for SMBs. As a key Decimal integration partner, Gusto represents both a complementary channel and a potential competitive threat if it extends into full bookkeeping offerings.
• Ramp: Ramp is a corporate cards and spend management platform that increasingly bundles bill pay, AP automation, and accounting integrations. As a Decimal integration partner, Ramp is adjacent infrastructure that could expand into full-service accounting and compress Decimal's bill pay wedge.
• Relay Financial: Relay Financial is a SMB-focused business banking and money management platform with bill pay, expense management, and accounting integrations. It is adjacent to Decimal's bill pay and expense management services and competes for the same SMB finance operations wallet.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds1 record

Investors2 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Decimal