Embedded Solution

Embedded Accounting for SME Platforms

Offer your small-business customers a full-service accounting solution, seamlessly integrated within your product.

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Value - SME Platforms

Extend the value of your platform

Help your customers manage both their work and their finances without leaving your platform.

Graph showing percentage of active users over time with two curves, one higher and more level than the other, indicating increased user retention.

Increase Stickness

Users manage both work and finances in one place, driving daily engagement and reducing churn.

Bar chart comparing revenue: current revenue bar on the left and projected revenue bar on the right, with an arrow showing growth from 0.3 to 1 billion dollars.

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.

Thred increases retention

Thred increases retention, revenue, and defensibility while eliminating the cost and complexity of building a yourself.
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Talk to an expert
Value - SMEs

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.

Fewer Tools


Small businesses juggle too many disconnected tools. Embedded accounting reduces fragmentation.

Less manual admin

Transactions are captured, categorised, and reconciled automatically; only exceptions need attention.

Real-time insight

Provide real-time insights into profitability and liquidity to help business owners make better decisions.

Ready for compliance

Transactions are posted based on local accounting rules, so filings and reports are always accurate and compliant
Product

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.

Industries

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.

Let’s Talk

We’re onboarding design partners across Europe. If your platform serves SMEs and you want to embed accounting the right way.

Let’s talk
Let’s talk
Have Questions?

Frequently asked questions

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.