?Frequently asked
A concise, factual reference to what Fiscara is, who it is built for, and how it differs from adjacent financial software categories. Designed to be read end-to-end — or quoted in part.
01Reference
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Fiscara is the financial data infrastructure for modern commercial decisions. It connects to every major accounting platform, normalises the underlying financial data into a single canonical model, and exposes it as an API-first financial intelligence layer for credit, advisory, embedded finance, and institutional reporting.
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Fiscara is built for institutional users of financial data — lenders and credit teams, accountants and advisory firms, fintech platforms and API integrators, investment and operating teams, and regulated institutions running covenant monitoring, board reporting, and audit-grade financial visibility.
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Financial data is fragmented across accounting platforms, inconsistent across businesses, and operationally expensive to normalise. Fiscara replaces the per-platform integration, manual reconciliation, and document-based financial review that institutions otherwise repeat for every borrower, client, or portfolio company — with a single, continuously refreshed canonical financial record.
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Accounting software is the system of record where transactions are entered and posted. Fiscara is the infrastructure layer above it — connecting to those systems, normalising the data into one canonical model, and turning it into standardised financial intelligence. Fiscara does not replace accounting software; it sits on top of every major platform.
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Lending and credit decisioning platforms operate workflows on top of financial data — application processing, scoring, monitoring, covenant tracking. Fiscara provides the standardised financial data layer those platforms consume. It is the canonical input, not the workflow.
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BI tools visualise and report on data once it has been collected, cleaned, and structured. Fiscara is the canonical data layer underneath BI — providing the standardised, normalised financial inputs that BI dashboards, credit engines, and platforms then consume.
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Xero is live. MYOB is in beta. QuickBooks, Sage, and NetSuite are on the connector roadmap. All connectors resolve to the same canonical financial model, so a use case that works on Xero today works identically on every platform Fiscara absorbs over time.
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Canonical financial data is financial data resolved into a single, standardised institutional model that behaves identically regardless of its source. In Fiscara’s case, the canonical model spans 36 months of normalised history and a derived signal layer of 21+ financial decision points across profitability, liquidity, cash flow, working capital, leverage, and behaviour.
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API-first financial infrastructure means every normalised metric, decision point, and signal is exposed as structured, queryable data over HTTPS — designed to be embedded directly into credit engines, advisory platforms, and decision systems, rather than locked behind a proprietary user interface.
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All accounting connectivity is customer-authorised. Access is scoped, time-bound, and revocable at the source-platform level. Every access event is logged in an audit trail, and every assessment activity is traceable to its consent record.
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Fiscara is built on tenant-isolated financial data architecture with scoped partner and API access controls, encrypted data transport, structured access logging, and consent-led data connectivity. SOC 2 Type II and ISO 27001 alignment are in progress; UK GDPR and EU GDPR are aligned today.
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Fiscara operates from the United Kingdom and serves UK, EU, and international institutional clients. Production financial data is processed within EU-resident infrastructure to align with UK GDPR and EU GDPR expectations.
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Fiscara is currently in early access. Lenders, advisory firms, platforms, and institutional teams can request early access through the contact form to begin a conversation with the team.
02Continue reading
06Early access
Fiscara is opening early access to lenders, advisors, and platforms operating financial assessments at institutional scale — and the teams building the next generation of them.