Books that follow the work, not the other way around.

What Guspora Finance is — and what it isn’t.

Trade-contractor finance has a long history of vaporware. We would rather lose a deal at the demo than win one on a promise we cannot keep at month-end. So here is the line, drawn straight.

The phrase that fits: Guspora exports clean data; your CPA closes your books. If a vendor is telling you their finance product replaces ADP and QuickBooks and your CPA — for a contractor doing real work — they are selling you something that has not shipped yet. Ours has shipped, and these are its edges.

Inspection finishes. Invoice exists. Payment captures. AR ages.

This is the path Guspora Finance was built to own. Every other module exists to support it.

1. 1. The inspection happens on the same record the back office reads.

   A technician runs the annual inspection from the tablet. Findings, photos, NFPA citations, deficiencies, and any retest-required items attach to the inspection record itself — not to a phone’s camera roll, not to a separate work-order packet that someone has to staple together later.

2. 2. The work order seals on review.

   A reviewer approves the inspection. Time entries and parts-used lines posted by the tech roll up. Subcontractor lines, expenses, and any retest fees roll up. The work order has a single, complete cost and revenue picture before anyone touches AR.

3. 3. The AR invoice generates from the same record.

   No re-key. No copy-paste into a separate billing system. The invoice carries the customer record, the line items at the rates that govern the agreement, and the photo / citation attachments the customer expects to see. The same row a dispatcher reads is the row that bills.

4. 4. Stripe captures the payment.

   Configured card, ACH, saved-method, refund, and partial-payment workflows can post against the invoice. A tenant-specific live acceptance receipt is required before treating payment mutation or reconciliation as production-proven.

5. 5. AR ages on its own.

   Aging buckets (current, 30, 60, 90+) update automatically. Dunning rules attach to customer terms. The collections list is one query, not a quarterly fire drill against a spreadsheet someone has to manually rebuild.

6. 6. Job cost and commission settle on the same row.

   When the work order closes, job-cost margin posts to the record. Commission rules calculate against the closed revenue line. Payouts queue for the next payroll export — without anyone maintaining a side ledger of who is owed what.

7. 7. The CPA gets clean, exportable source data.

   At month-end, your CPA pulls the AR, AP, and journal data — through the QBO connector if they want it programmatic (still hardening), or via export if they prefer a controlled push. They close the books in the platform they already trust. Guspora’s job is to make their inputs legible, not to replace their work.

One line, written carefully: this is the path where it is fair to say cancel QuickBooks for inspection invoicing. The inspection-to-invoice loop runs entirely inside Guspora. The rest of QuickBooks — month-end close, statements, multi-entity, tax — stays where it is.

Stripe-backed payment workflows, with activation boundaries stated plainly.

Card, ACH, saved-method, dispute, and refund paths exist in source for configured tenants. We do not represent live money movement or reconciliation as proven without a current tenant-specific acceptance receipt.

• Card and ACH on the invoice

  Configured AR invoices can carry a payment link for card or ACH. Availability and posting behavior must be confirmed for the tenant before use.

• Saved methods for repeat customers

  Saved-method and charge-on-completion controls are available only where explicitly configured and authorized. Recurring future charges are not represented here as automatically enabled.

• Refunds and partial payments

  Partial-payment and refund workflows are implemented for configured use. Live settlement, reconciliation, and audit completeness require tenant-specific acceptance.

• Surcharges and convenience fees

  Per-tenant surcharge configuration with the disclosure language that keeps you compliant in your state. Pass-through pricing where it is allowed; absorbed where it is not.

• Disputes and chargebacks

  Dispute events flow through to the operations team — with a link back to the inspection record, photos, citations, and the signed acknowledgment that lives there. Defense evidence is on the same row as the work.

• Settlement and reporting

  Stripe payouts reconcile against AR captures. Your CPA receives a settlement file that matches the deposits, with fees broken out. The bank tie-out for payments is one of the few finance areas where the work is genuinely easier in Guspora.

Frequently asked, plainly answered.

• Will this replace QuickBooks for my whole business?

  No. The honest narrowing: Guspora can prepare inspection and work-order invoice records for configured tenants. Payment, settlement, and reconciliation behavior still requires a current tenant-specific acceptance receipt. Everything else QuickBooks does today (month-end close, financial statements, multi-entity consolidation, sales-tax filing, the chart-of-accounts your CPA tunes every year) continues to live in QuickBooks. Plan for both tools to coexist.

• Will this replace ADP, Gusto, or my payroll provider?

  No. Payroll tax filing, direct deposit, W-2 and 1099 issuance, and pay-stub delivery stay with your payroll provider. Guspora exports hours, wages, and commission lines into ADP, Gusto, or a generic CSV that most providers accept. The provider runs payroll; we feed it the inputs. We do not file taxes.

• Do you do bank reconciliation?

  A narrow CSV reconciliation path is source-supported for configured tenants: statement import, match/unmatch records, and a worksheet view. Current tenant-specific acceptance is still required before relying on it for a monthly tie-out. Live bank feeds (Plaid / direct-connect), an auto-match rules engine, and confidence scoring are not shipped.

• I run multiple entities. Can you consolidate?

  Each legal entity is a first-class record with its own AR, AP, and scope, so day-to-day operations stay clean across entities. Consolidated financial statements with intercompany eliminations are not in the product. Your CPA produces the consolidation outside Guspora.

• How do I close month-end if Guspora is not the GL?

  Treat Guspora as a feeder system to your real GL. The QBO connector exists for tenants who want a programmatic push (we are still hardening it; pilot it in a sandbox first). Tenants who prefer a journal-export workflow can pull period data and post a summary entry. Your CPA still owns the close checklist.

• My CPA uses Sage Intacct, NetSuite, or another platform — does this still work?

  Yes. The export rails are not QuickBooks-specific. AR, AP, and journal data export in formats your CPA can import or transform. The premise of this suite is that you keep your accounting platform; we feed it the inspection-to-invoice and job-costing data it never had clean access to before.

• Is the audit trail GAAP-grade?

  Every transaction is timestamped and attributable to a user and a source record (work order, inspection, vendor bill). That is good enough for operational defense and most internal reviews. It is not a substitute for a fully reconciled, statement-ready GAAP ledger reviewed by an auditor — which is your CPA’s product, not ours.