Embedded Accounting for SME Platforms
Offer your small-business customers a full-service accounting solution, seamlessly integrated within your product.
Extend the value of your platform
Help your customers manage both their work and their finances without leaving your platform.
Increase Stickness
Users manage both work and finances in one place, driving daily engagement and reducing churn.
Generate New Revenue
Monetise accounting features and bookkeeping services that previously lived outside your product.
Differentiate your Product
Offer a more complete solution than competitors, without the cost or effort of building and maintaining accounting yourself.
Simplify finances. Power smarter business decisions.
When accounting runs quietly in the background, your customers spend less time on admin and always know where they stand financially.
Make accounting native to your product
Thred captures and processes every transaction automatically, turning your customers’ data into reconciled books and ready-to-file reports.
Embeddable Interfaces
Integrate ledgers, reports, tasks, and filings directly inside your product’s UI.
Automated Accounting Engine
Transforms operational and bank data into journal entries under the correct local accounting rules.
Bookkeeper-in-the-Loop
A bookkeeper supports the process when human review is needed.
Filings & Reporting
Generates and submits VAT, corporate income tax, and annual reports based on reconciled books.
Built for the platforms that power small businesses
Add accounting as the backbone that connects operations, payments, and finance.
VERTICAL SAAS
For platforms serving salons, restaurants, or tradespeople, Thred converts everyday activity into up-to-date books, invisibly powering accounting in the background.
FINANCIAL PLATFORMS
Add an accounting layer that unifies payments, invoicing, and credit. Thred structures transaction data into one coherent financial record.
BANKS
Thred turns raw banking data into accounting-grade financial insight, deepening engagement and powering smarter products for SMEs.
FAQs
What is Thred?
Thred is a white-label, full-service embedded accounting solution for SME platforms. With our solution, you can offer accounting software and bookkeeping services to your small business customers right from within your product.
How does Thred work exactly?
Thred embeds in your platform to turn operational and bank data into accurate, compliant accounts. AI automates categorisation and reconciliation, bookkeepers approve entries, and financials stay continuously up to date.
What are the advantages of embedding accounting into SME platforms?
Embedding accounting turns SME platforms into full financial systems, reducing fragmentation for businesses while driving engagement, revenue, and differentiation for the platform.
How do you charge for Thred?
We charge a monthly fee per business for both the accounting software and bookkeeping services. Fees vary by business size, based on transaction volume.
How do SME platforms earn revenue from embedded accounting?
SME platforms add their own margin on top of the monthly fees we charge per business.
How long does it take to implement Thred?
Getting started with Thred is simple. We deliver a white-label accounting system with your brand, embedded in your frontend with 6 lines of code. You can start onboarding customers after this and do the backend integration whenever you are ready. This part is typically completed within 2 weeks.
We’re building financial confidence for small business owners
We founded Thred after years of lending to small businesses, where even good companies struggled to access financing simply because their accounting data was incomplete or out of date.
We realised the real problem wasn’t credit; it was accounting. The financial data small businesses rely on is scattered across tools, manually maintained, and rarely current enough to make decisions with confidence.
Thred solves this by embedding accounting directly into the platforms small businesses already use to run their businesses. It’s accounting that keeps itself up to date; accurate, connected, and always available.
Thred was founded by Mark Holleman and Manoj Tutika, repeat founders who have built complex cross-border financial platforms together before. Now we’re applying that experience to rebuilding accounting for small businesses from the ground up.
