An AI finance approval agent gathers the information finance needs: the full-term cost, the cost centre and account coding, the payment terms, the currency and any tax treatment, and how the request compares with similar past purchases.
A request needs a finance decision.
The agent reads when finance must approve.
It sets out amount, coding, term and budget notes.
The finance approver decides or queries.
The agent passes approval or questions on.
The finance decision stays on the record.
It runs finance's checks, such as whether coding is valid, whether the vendor's bank and legal entity details are on record and whether the amount matches the quote.
It presents the result as a short brief with any exceptions highlighted. A finance reviewer approves, rejects or asks for changes.
Finance is usually the last gate before a commitment, so errors that were missed earlier surface here, when they are most costly to fix.
Requests arrive with invalid or doubtful cost centres and accounts.
Payment terms, billing frequency and currency are agreed without finance input.
The request amount differs from the quote once fees and tax are included.
Legal entity or bank details are missing, which blocks later payment.
Each finance reviewer runs the same checks by hand.
The agent gathers cost, term, billing frequency, currency, tax and coding from the request and quote.
It checks the cost centre and account against the chart of accounts and the requester's team.
It confirms the vendor's legal entity and payment details exist and match the quote.
The request total is reconciled with the quote and compared with similar past purchases.
A brief lists the results and highlights exceptions for the finance reviewer.
Bring a small sample and watch Flo work through it.
| Aspect | By hand | With the agent |
|---|---|---|
| Briefing | Finance receives requests without the numbers it needs. | Finance receives amount, term, coding and totals in one view. |
| Triggers | It is unclear which requests need finance. | Finance triggers are applied to each request. |
| Commitments | Multi-year liabilities are missed. | Total commitment and payment terms are shown. |
| Questions | Finance questions return by email chains. | Questions are logged on the request and routed to the right person. |
| Record | Finance approval is verbal. | The decision, approver and date are stored. |
| If | Then | Who decides |
|---|---|---|
| Request exceeds the finance approval trigger | Route to the finance approver with the summary | Finance decides |
| Commitment extends over several years | Show total commitment and payment schedule | Finance decides |
| Payment terms differ from standard | Flag the terms | Finance decides whether to accept |
| Coding appears inconsistent | Flag it before the decision | Finance or the budget owner corrects |
| Request is below all finance triggers | Skip finance and note why | Policy owner sets the triggers |
| Prepayment or deposit is requested | Flag it clearly | Finance decides |
Exchange exposure may matter. The agent shows the currency and term, and finance decides how to treat it.
Treatment differs by type. The agent notes the likely type and finance decides the accounting treatment.
A query pauses the request. The agent routes it to the requester or buyer and returns the answer to finance.
The approver may be involved in the request. The agent routes to an alternate and the finance lead confirms.
Talk it through with the team. We will map it to your steps and show where a person stays in control.
Write down which requests require finance.
Prepare summaries and have buyers send them to finance.
Send to finance once summaries are accepted without change.
Include multi-year and payment-term flags.
It shows how well earlier steps prepare requests for finance. A high figure points to a recurring upstream issue, such as coding or missing vendor details.
Quick answers to what people ask most about finance approval.
Book a demoIt is the step where finance confirms a purchase is properly coded, within budget and on acceptable terms. An AI agent prepares the request and runs the checks, and finance staff decide.
No. It checks and summarises. Approval or rejection is made by authorised finance staff.
Coding validity, vendor record completeness, whether the total matches the quote and how the request compares with similar past purchases. Your finance team defines the checks.
The budget owner confirms the spend may be charged to their budget. Finance confirms coding, terms and compliance with finance rules. Both may be required.
IT review routing is the step that sends a technology purchase to the IT team for a check on fit, integration, support and overlap with existing tools.
→Expedited approval is the fast-track route that lets an urgent purchase skip the normal queue while still meeting policy.
→Security review routing is the step that decides whether a purchase needs a vendor security assessment and sends it to the security team with the facts they need.
→An approval audit trail is the dated record of who requested, reviewed and approved a purchase, with the information they saw at the time.
→Bring a small sample of real items. We will show what Flo handles on its own and where it hands over to your team.
