Fiscora Books
Core accounting
GL, AR, AP, journals, multi-currency and statutory statements on an immutable, hash-chained ledger — corrections by reversal, never deletion.
The Compliant Financial OS
The financial operating system for ambitious businesses.
Enterprise-grade accounting with GCC compliance built into the platform's DNA — simple enough for an SME on day one, powerful enough that you never re-platform as you scale.
- ZATCA Phase 2 live inside the signup wizard
- Arabic-first, not translated
- Mizan AI CFO, grounded in your ledger
Fiscora Books — Riyadh Trading Co.
Revenue (MTD)
SAR 1,284,500
+12.4%
Cash position
SAR 642,180
VAT due (Q2)
SAR 192,675
ZATCA QR · TLV
Tax invoice · INV-2026-0418
Al-Faisal Distribution LLC
SAR 57,500 incl. 15% VAT
Cleared by ZATCAم
Mizan: Gross margin up 3.2 pts — freight costs normalised this month.
Built for KSA & the GCC
- ZATCA Phase 1 & 2 ready
- VAT 15% · 5% · 10%
- Arabic-first & RTL native
- Data residency in-region
- Hijri + Gregorian calendars
One platform
Your whole financial stack, in one system of record
Not bookkeeping, not ERP — the financial layer of your company. Each module shares one ledger, one tax engine, one source of truth.
Fiscora Inventory
Stock & warehouses
From single-warehouse stock to full multi-warehouse with batch and serial tracking, valuation and reconciliation.
Fiscora Procure
Procurement
Purchase requisitions to POs, vendor management, RFQs and vendor scoring — with approval matrices that scale with you.
Fiscora Treasury
Banking & cash
Bank feeds via regional open banking, reconciliation, payment runs and a real-time view of cash across every entity.
Fiscora Assets
Fixed assets
Asset register, depreciation schedules and disposals — fully posted to the ledger and reportable for audit.
Fiscora Insights
Reporting & BI
A governed semantic layer powering custom reports, dashboards and scheduled distribution — the same numbers Mizan narrates.
Compliant by birth
Statutory compliance is a configuration toggle, never a code fork
Country Compliance Packs are declarative, versioned and digitally signed — taxes, document formats, reports and integrations, enabled per tenant by configuration.
Compliance is never paywalled — included on every tier, even Starter.
ZATCA Phase 1 & 2 — KSA
UBL 2.1 XML, SHA-256 hashing, ECDSA cryptographic stamping, CSID onboarding, TLV QR codes, Clearance for B2B and Reporting ≤24h for B2C — operational inside the signup wizard.
VAT & tax returns
KSA VAT 15%, UAE FTA VAT201 & FAF audit file, Bahrain NBR 10%, Oman OTA 5% — with bilingual tax documents and 6-year ZATCA archival.
GCC Compliance Packs
UAE e-invoicing via the Peppol PINT AE 5-corner model, plus Bahrain and Oman packs — Qatar and Kuwait pre-built and dormant for announced frameworks.
Arabic-mandatory documents
Arabic is mandatory on tax documents in KSA — Fiscora generates bilingual invoices and reports natively, with Hijri and Gregorian dates and Arabic-Indic numerals.
Mizan — your AI CFO copilot
AI that reads your ledger, not a chatbot stapled to reports
Mizan (ميزان, “balance”) explains what happened, predicts what is likely, and recommends what to do next — grounded in your audited double-entry data with tenant-scoped guardrails.
1
Mizan never computes a number
Every figure comes from the deterministic analytics layer — the same code path that powers Insights. Mizan narrates; the ledger speaks.
2
Mizan never acts without a human
Every recommendation — a dunning email, a journal suggestion — requires explicit human confirmation. No silent autopilot.
3
Mizan is bilingual by design
Arabic and English are co-equal output languages, evaluated separately for parity in quality.
مMizan● online
What was DSO in Q1 for the Jeddah entity?
DSO for the Jeddah entity in Q1 was 47 days, down from 53 in Q4 — driven by faster collections from your top three accounts.Source: AR ageing · Insights semantic layer
- Plain-language P&L, balance-sheet and cash explanations
- Budget-vs-actual variance narratives with citation chips
- Revenue & 13-week cash-flow forecasting with scenarios
- Expense anomaly & duplicate-invoice detection
- Ranked collections — who to chase today, with drafted emails
- Weekly digest & monthly board-pack narrative
Why Fiscora
Built for the GCC, priced for SMEs, ready for the enterprise
Three structural moats: a localization engine, a tenancy ladder that spans a $19 startup to a dedicated-database enterprise, and an AI copilot grounded in the ledger.
01
The Localization Engine
Country compliance as versioned, signed, declarative packs. Our marginal cost per new country falls every release — incumbents hard-code it or sell it as consulting.
02
The Tenancy Ladder
Pool → Bridge → Silo on one codebase: the same platform serves a $19/mo startup and an enterprise demanding a dedicated Oracle database in Riyadh. No re-platforming cliff.
03
Mizan, in the ledger
An AI CFO reading your actual double-entry data with guardrails — not a chatbot stapled to reports.
| Compared to | Where they fall short | Why teams choose Fiscora |
|---|---|---|
| Zoho Books | SME ceiling — weak consolidation, intercompany and approval matrices; Arabic is translation-grade. | Everything you love about Zoho, nothing you'll outgrow — plus one-click migration and Arabic-first depth. |
| QuickBooks | Effectively absent from GCC compliance — no ZATCA Phase 2 path, single-entity mindset, no Arabic. | The compliant landing zone with a one-click QuickBooks import — built for multi-entity, multi-currency graduates. |
| SAP Business One / S/4HANA | 6–7 figure implementations, 6–18 month projects, partner-dependent, UX a generation behind. | The 20% of SAP most mid-market evaluations actually need — self-serve, in days, at ~5% of TCO. |
| Oracle NetSuite | $30–100K+/yr entry, mandatory implementation partners, weak GCC localization, no Arabic-first experience. | NetSuite-class financials with native GCC compliance at 10–20% of the price — and we even offer Oracle DB on OCI. |
| Odoo | Flexibility becomes fragility — upgrades break customizations; ZATCA depends on partner-roulette modules. | Configuration over customization — upgrade-safe, tenant-isolated, with vendor-certified compliance. |
Pricing
Simple by default, deep on demand
Four plans and two clicks to buy. Enterprise flexibility lives behind the Enterprise tier — it never complicates the page.
🎉 Launch offer — 50% off all plans for a limited time Compliance never paywalled
Show prices in
Launch pricing: 50% off all plans for a limited time, billed annually (two months free built in). Prices shown in your local currency; billed in SAR/AED/USD. Monthly billing +20%.
Starter
$9.50/mo
$19.0050% launch offer
per month, billed annually
Micro and small businesses — from your first hire to ~15 staff.
- Users
- 3 users
- Entities
- 1 entity
- Invoices
- 500 invoices / mo
- Storage
- 5 GB
- Core accounting — GL, AR, AP, journals, trial balance, statements
- VAT + ZATCA Phase 1 & 2 — QR, XML, clearance
- 2 bank feeds, multi-currency with auto rates
- Recurring invoices, payment links, customer portal
- Mizan monthly digest
Growth
$24.50/mo
$49.0050% launch offer
per month, billed annually
Growing SMEs of roughly 15–50 staff.
- Users
- 10 users
- Entities
- 1 (+ entity add-on)
- Invoices
- 2,500 invoices / mo
- Storage
- 25 GB
- Everything in Starter, plus:
- Basic inventory (stock, 1 warehouse)
- Procurement: PR → PO, vendor management
- 10 workflow automation rules
- Report builder & custom reports
- 5 bank feeds · Mizan limited Q&A
Most popular
Business
$64.50/mo
$129.0050% launch offer
per month, billed annually
Mid-market, multi-entity groups of 50–250 staff.
- Users
- 25 users
- Entities
- 3, with consolidation
- Invoices
- 10,000 invoices / mo
- Storage
- 100 GB
- Everything in Growth, plus:
- Full inventory — multi-warehouse, batch & serial
- Fixed assets: depreciation & disposal
- Budgeting, variance & 3-entity consolidation
- Approval matrix + workflow designer
- Mizan standard — insights, anomalies, collections
- API priority · 15 bank feeds
Enterprise
Custom
from ~$1,000 / mo
Groups, regulated and 250+ staff organisations.
- Users
- Custom (50+)
- Entities
- Unlimited + intercompany
- Invoices
- Custom
- Storage
- Custom
- Everything in Business, plus:
- SSO / SAML + SCIM provisioning
- Intercompany eliminations & consolidation
- Dedicated PostgreSQL, Oracle or SQL Server options
- Region pinning & residency attestation
- Sandbox tenant, audit exports, BI export
- Mizan Advanced eligible · 99.95% SLA · TAM
Add-ons & advanced infrastructure
- Extra user — $6/mo
- Extra entity (Growth) — $15/mo
- Mizan Advanced — $99/org/mo
- Dedicated PostgreSQL — +$400/mo
- Dedicated single-tenant infra — from +$2,500/mo
- Oracle DB option — from +$2,000/mo
- SQL Server option — from +$1,200/mo
- Region pinning — included (Ent) / +$200/mo
FAQ
Questions, answered
Where is my data hosted, and is it kept in-region?
Fiscora runs on Oracle Cloud Infrastructure (OCI) with regions in Riyadh and Jeddah for KSA residency, Dubai and Abu Dhabi for the UAE, and Frankfurt for EU/global. KSA data stays in KSA. Enterprise tenants get region pinning with a residency attestation document; it is also available below Enterprise for +$200/mo.
How secure is the platform?
Immutable, hash-chained audit logs; reversal-only ledger corrections; OIDC authentication with MFA (TOTP + WebAuthn) and enterprise SSO/SAML + SCIM; RBAC + ABAC policy enforcement; encryption with OCI KMS, and customer-managed keys (BYOK) available as an add-on.
How long does ZATCA onboarding take?
ZATCA Phase 2 device onboarding (CCSID → PCSID), UBL 2.1 XML generation, cryptographic stamping and Clearance are operational within the signup wizard — minutes, not the weeks of middleware projects that are the market norm. Most customers clear or report their first invoice within 48 hours.
Can I migrate from Zoho Books or QuickBooks?
Yes. Migration tooling from Zoho Books and a one-click QuickBooks import are launch deliverables, and switchers from either get 30% off year one when they migrate.
Is Arabic a first-class language?
Yes — Arabic is designed in, not translated on. The product is RTL-native with Arabic financial reports, bilingual tax documents, Hijri and Gregorian dual calendars, and an Arabic-Indic numeral option. Mizan produces Arabic and English at evaluated parity.
Is there a free trial, and is there a free plan?
There is no free plan, but every account starts with a 30-day full-feature trial at the Business level. Certified accountant partners get free books for their own firm. There is no card required to start.
Start compliant. Scale without re-platforming.
Spin up a free 30-day trial at the Business level — clear your first ZATCA invoice in minutes.