Fast Four
Fast Four (Zone & Co) provides an AI-powered, NetSuite-native financial operations platform serving 4,500+ finance teams globally with modules spanning billing, AP, procurement, reconciliation, payroll, and reporting.
- Company typePrivate
- Founded2012
- HeadquartersSchiphol, Netherlands
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What Fast Four does
Fast Four operates the Zone & Co brand, an AI-powered financial operations platform built natively inside Oracle NetSuite. The platform, organized around five workflow pillars—Quote-to-Cash (ZoneBilling, ZonePayments), Procure-to-Pay (ZoneCapture, ZoneProcure, ZoneApprovals, ZoneReconcile), Treasury (ZoneLiquidity), Payroll Management (ZonePayroll, Employee Portal, Journal Generator), and Record-to-Report (ZoneReporting, Data Warehouse, ZoneExtract, Solution 7)—serves finance teams at 4,500+ organizations globally. The company has processed $196B+ in billing volume, 100M+ reconciled transactions, and 26M+ invoices through its suite. Underlying the product portfolio is "Zoe," an AI orchestration layer that coordinates subject-matter agents across modules into a unified end-to-end finance system.
The platform is differentiated by its native NetSuite architecture (apps built inside the ERP rather than integrated externally), AI-driven workflow automation (GenAI-powered invoice capture, agentic contract intelligence, AI cash forecasting), and broad connectivity (12,000+ banks via direct integration, Stripe, Salesforce, Power BI, Plaid). Customer outcomes are documented in case studies showing 70–98% efficiency gains across billing, AP, and reporting. Certifications include SOC 1 Type II, SOC 2 Type II, and GDPR readiness.
Zone & Co generates revenue through annual or multi-year SaaS subscriptions on a quote-based enterprise pricing model (no public price list). The go-to-market combines direct enterprise field sales ("Book a demo" motion targeting CFOs, Controllers, AP professionals, and Ops/Systems leaders), product-led growth (free product tours and ROI calculators), NetSuite SuiteApp Marketplace listing, and a partner/reseller channel. Named enterprise customers span SaaS (Lattice, Sourcegraph, Salesloft, Benevity, Power Factors), Manufacturing (Escalante Golf, Enviolo, ConGlobal), Consumer/Retail (Blunt Umbrellas, Guzman y Gomez, EM de Jong), Travel (Tripadvisor), Healthcare (Dental Xchange), and Financial Services (Splash). The firm operates in the US, Netherlands, UK, Australia, New Zealand, and Canada, with primary US operations based in Boston, MA, and a related EMEA entity registered in the Netherlands.
Fast Four firmographics
Firmographics- Name
- Fast Four
- Legal name
- Zone & Co
- Website
- https://fastfour.com
- Company type
- Private
- Founded year
- 2012
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Fast Four (Zone & Co) provides an AI-powered, NetSuite-native financial operations platform serving 4,500+ finance teams globally with modules spanning billing, AP, procurement, reconciliation, payroll, and reporting.
- Ownership category
- akta.pro rank
Fast Four industry classification
Industry- Product category
- NetSuite Financial Operations Software
- NAICS
- Software Publishers (513210)
- SIC
- Services-Prepackaged Software (7372)
- akta.pro primary industry
- iBPMS (Intelligent BPM Suites) & Process Automation Suites (HDAEAHAG)
- akta.pro secondary industries
- Invoicing, Billing & Accounts Receivable Automation (FSAGAJAC), AI Application Enablement Platforms (Copilot/Agent Frameworks, SDKs) (HDAEANAJ)
Keywords
Where Fast Four is headquartered
LocationHeadquarters
- HQ city
- Schiphol
- HQ country
- Netherlands
- HQ region
- Europe
Offices1 record
Markets served
Fast Four business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure
Revenue model
- Software Subscriptions: Annual or multi-year subscription fees for access to Zone's AI-powered financial operations platform and individual modules (ZoneBilling, ZonePayments, ZoneCapture, ZoneProcure, ZoneApprovals, ZoneReconcile, ZoneLiquidity, ZonePayroll, ZoneReporting, Solution 7). Pricing likely tiered based on modules selected and transaction volume.
Go-to-market motion3 records
Distribution channels3 records
Marketing channels7 records
Fast Four product offering
Product offeringCore offering
Fast Four delivers AI-powered financial operations software built natively inside Oracle NetSuite, organized around five workflow pillars: Quote-to-Cash billing and payments, Procure-to-Pay invoicing and procurement, Treasury reconciliation and forecasting, Payroll Management, and Record-to-Report analytics. The platform is orchestrated by Zoe, an AI layer that coordinates subject-matter agents across billing, AP, reconciliation, payroll, and reporting modules, and is sold primarily through enterprise subscriptions to mid-market and enterprise finance teams.
Product overview
Zone & Co offers an AI-powered operating system for finance teams in NetSuite, built as a platform-plus-modules architecture. The core platform embeds AI at the core with Zoe as the orchestration layer, coordinating agents across the product portfolio. The product suite covers five finance workflow pillars: Quote-to-Cash (ZoneBilling, ZonePayments), Procure-to-Pay (ZoneCapture, ZoneProcure, ZoneApprovals, ZoneReconcile), Treasury (ZoneLiquidity - coming soon), Payroll Management (ZonePayroll, Zone Employee Portal, Journal Generator), and Record-to-Report (ZoneReporting, Zone Data Warehouse, ZoneExtract, Solution 7). All products are NetSuite-native, built inside the ERP platform.
Differentiator
Problem solved
Functional benefit
Brands
- ZoneBilling: NetSuite billing automation solution for automated complex billing and revenue recognition
- ZonePayments
- ZoneCapture
- ZoneProcure
- ZoneApprovals
- ZoneReconcile
- ZoneLiquidity
- ZonePayroll
- Zone Employee Portal
- ZoneReporting
- Zone Data Warehouse
- ZoneExtract
- Solution 7
- Zoe
Products and services
- ZoneBilling Automated billing and revenue recognition for NetSuite supporting subscription, usage, milestone, or hybrid billing models, with automated ASC 606 / IFRS 15 revenue recognition and Salesforce integration. Targets SaaS and subscription-revenue finance teams needing complex billing compliance.
- ZonePayments Stripe and NetSuite integration that automates payment collection and reconciliation for AR teams, supporting partial pay, statement pay, auto-pay, and automated reconciliation to NetSuite.
- ZoneCapture Full AP workflow automation inside NetSuite covering invoice capture (OCR + GenAI), 3-way matching, approvals, e-invoicing, and global vendor payments with reconciliation.
- ZoneProcure AI-powered procurement solution with vendor intake, budget-aware approval workflows, agentic contract intelligence, and vendor onboarding portal feeding clean data into NetSuite.
- ZoneApprovals NetSuite approval automation providing real-time visibility, email approvals, one-click bulk approvals with full context for AP teams.
- ZoneReconcile Automated NetSuite reconciliation across banks, credit cards and PSPs with direct connectivity to 12,000+ banks (via Plaid in the UK), custom matching rules, and FX variation handling.
- ZoneLiquidity AI-powered cash forecasting and scenario planning agent for NetSuite treasury management, providing consolidated cash visibility with plain language prompts for testing assumptions.
- ZonePayroll NetSuite payroll solution for Australia, New Zealand, UK and Canada with automated pay runs, EFT file generation, payslip creation, and auto-created payroll journal entries.
- Zone Employee Portal Employee self-service portal for NetSuite enabling expense requests, leave management, employee updates, and time tracking.
- Journal Generator Automated NetSuite journal entry creation for payroll cost management and allocation by department, project, or entity.
- ZoneReporting NetSuite Power BI reporting solution delivering consolidated reporting across subsidiaries, currencies, and entities with automated dashboard updates.
- Zone Data Warehouse NetSuite data pipeline accelerating analytics delivery with transformed, analytics-ready datasets, schema change management, and multi-source data blending.
- ZoneExtract NetSuite data extraction tool exporting raw data in CSV format with scheduled automated refreshes and ELT pipeline staging.
- Solution 7 Award-winning Excel reporting solution bringing live NetSuite data directly into Excel for financial reporting and budgeting with drillback capability into NetSuite.
- Zone AI Platform (Zoe) AI orchestration layer across the Zone platform; Zoe coordinates every subject-matter agent into one connected, end-to-end finance system with intelligent orchestration for NetSuite workflows.
Quantifiable outcome
- 90% increase in billing efficiency (Lattice)
- +7 more outcomes
Companies that use Fast Four
Customer profileNamed customers20 records
Segments8 records
Ideal customer profiles3 records
Fast Four technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration5 records
AI capability6 records
Feature12 records
Fast Four partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered core.
- NetSuitecoreDeep native integration with Oracle NetSuite. Zone apps are built inside NetSuite rather than as external integrations, providing seamless data flow and user experience within the NetSuite platform.
- StripecoreZonePayments provides direct Stripe and NetSuite integration for automated payment collection and reconciliation. Bidirectional data sync between Stripe and NetSuite.
- SalesforcecoreZoneBilling includes Salesforce integration for seamless quote-to-cash workflow between Salesforce CRM and NetSuite billing.
- Plaid Financial LtdcoreFor UK bank connectivity, Zone & Co operates through Plaid Financial Ltd as its agent. Plaid is an authorised payment institution regulated by the Financial Conduct Authority, providing regulated account information services.
- Microsoft Power BIcoreZoneReporting delivers NetSuite data insights directly into Power BI dashboards with automated updates and consolidated reporting capabilities.
Scale indicators5 records
Expansion highlights6 records
Fast Four competitors and assessment
Company assessmentDirect peers
- Bill.com: Bill.com is a leading AP automation and bill payment platform serving SMB and mid-market. Highly comparable to Zone & Co's ZoneCapture/ZonePayments products in automating invoice processing, approval workflows, and payment reconciliation, though Bill.com is ERP-agnostic rather than NetSuite-native.
- Tipalti: Tipalti provides end-to-end accounts payable automation, supplier management, and global payments. Directly comparable to ZoneCapture, ZoneProcure, and ZoneApprovals, with similar focus on automating invoice capture, approval workflows, and vendor payments.
- Stampli: Stampli is an AP automation platform that integrates deeply with ERPs including NetSuite. Highly comparable to Zone & Co's AP automation stack with collaborative invoice processing and approval workflows, targeting similar mid-market and enterprise finance teams.
- Maxio: Maxio is a billing and revenue recognition platform focused on SaaS and subscription businesses. Directly comparable to ZoneBilling's subscription, usage, and hybrid billing capabilities plus ASC 606/IFRS 15 automation for the same NetSuite SaaS customer segment.
- FloQast: FloQast is an accounting workflow automation platform focused on accelerating the financial close for mid-market and enterprise accounting teams. Comparable to Zone & Co's record-to-report suite including ZoneReconcile and Solution 7 in automating reconciliations, journal entries, and close processes.
- Chargebee: Chargebee is a subscription billing and revenue management platform for SaaS and subscription businesses. Comparable to ZoneBilling for subscription, usage, and hybrid billing models plus automated revenue recognition, targeting similar SaaS finance teams.
- Ramp: Ramp is an all-in-one finance operations platform combining spend management, AP automation, bill pay, and corporate cards. Comparable to Zone & Co's broader finance operations vision (procure-to-pay, payments, reconciliation) but positioned as a standalone platform rather than NetSuite-native.
Broad incumbents
- Coupa: Coupa is a large enterprise spend management and procurement platform. Comparable to ZoneProcure and ZoneApprovals for procurement, sourcing, and spend management workflows, but operating as a broader standalone suite rather than NetSuite-native add-on.
- BlackLine: BlackLine is an established financial close and accounting automation platform serving large enterprises. Comparable to ZoneReconcile, Solution 7, and ZoneReporting for reconciliation, close, and reporting workflows, but as a broader standalone platform competing for the same finance buyer.
- Workday: Workday is a major enterprise cloud applications vendor covering finance, HR, and planning. Comparable as a broad incumbent in enterprise financial operations, with embedded AI capabilities and a growing ecosystem that competes for the same CFO and Controller buyer as Zone & Co.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Fast Four social profiles
Digital presenceFast Four compliance and trust
Trust signalCompliance3 records
Fast Four financial estimates
Financial estimateRevenue estimate
Valuation estimate
Fast Four leadership team
Management profileNumber of profiles
Fast Four funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Fast Four M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Fast Four
What does Fast Four do?
Fast Four delivers AI-powered financial operations software built natively inside Oracle NetSuite, organized around five workflow pillars: Quote-to-Cash billing and payments, Procure-to-Pay invoicing and procurement, Treasury reconciliation and forecasting, Payroll Management, and Record-to-Report analytics. The platform is orchestrated by Zoe, an AI layer that coordinates subject-matter agents across billing, AP, reconciliation, payroll, and reporting modules, and is sold primarily through enterprise subscriptions to mid-market and enterprise finance teams.
Is Fast Four a public or private company?
Fast Four is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Fast Four founded?
Fast Four was founded in 2012. It employs 11 to 50 people.
Where is Fast Four based?
Fast Four is headquartered in Schiphol, Netherlands, in the Europe region.
How does Fast Four make money?
One revenue line is on record: software Subscriptions.
Who are Fast Four's main competitors?
Direct peers on record are Bill.com, Tipalti, Stampli, Maxio, FloQast, Chargebee and Ramp. Broad incumbents are Coupa, BlackLine and Workday.
Does Fast Four have an API?
No public API is recorded for Fast Four.
What industry is Fast Four in?
Fast Four's product category is NetSuite Financial Operations Software. Its primary akta.pro industry code is HDAEAHAG, iBPMS (Intelligent BPM Suites) & Process Automation Suites, with a secondary code of FSAGAJAC, Invoicing, Billing & Accounts Receivable Automation. Its NAICS code is 513210 and its SIC code is 7372.