ChatFin

ChatFin is trying to sit on top of an existing ERP and do the repetitive parts of finance operations: reconciliations, invoice posting, collections, variance commentary and close checklists. The pitch is breadth, with an agent for most CFO-office workflows rather than a single deep product.

What it does well. The ERP coverage is wide for a young vendor, reaching from NetSuite and Sage to SAP, Oracle, Workday and Dynamics 365, which suits groups with more than one system. The control model is sensible: agents propose, a person approves every write, and actions are logged, which is what an auditor will ask about first. The stated security credentials, SOC 2 Type II and ISO 27001 with EU data residency available, are the right ones for a UK or European buyer to check off.

Where it falls short. Almost everything public about results comes from the company itself, including figures such as a three-day close and 78% of invoices posted automatically. I found no independent reviews or trade-press coverage of deployments, and the blog is heavy on forecasts about agents in 2026 rather than case evidence. No pricing is published and there is no self-serve trial. There is no QuickBooks or Xero connection and no UK-specific features such as MTD VAT, so it has nothing to offer the SME client base of a typical UK practice. Breadth across eight workflow areas also raises the question of how deep each one really is.

Best for. Mid-sized and enterprise finance teams on NetSuite, Sage Intacct, SAP or Dynamics who want to pilot AI agents on a specific workflow, such as AP or reconciliations, without changing ERP. For close management specifically, established products such as FloQast or BlackLine have far more evidence behind them.

Verdict. A credible-looking platform with the right security and approval model, but thin on independent proof. If you evaluate it, pick one workflow, run it on a month of your own data, and ask for two reference customers on your ERP before talking about a wider roll-out.