Clarity
Every account, invoice and bill in a single, always-current view. Transactions categorize themselves.
1 viewinstead of four tools
NewScenario planning 2.0
Know exactly where your business stands.
Northstar brings your cash flow, invoices and spending into one clear view — so you can make decisions with confidence, not guesswork.
Free for solo founders · No credit card required
12,400+U.S. businesses on Northstar
9 daysfaster to get paid, on average
$4.1Bin invoices tracked
OverviewCash flowInvoicesReports
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Cash on hand
$201,704.77
Insights
4 invoices are overdue — $18,932
Customers who get a reminder pay 6 days sooner.
Covered for payroll by 11.7×
Next run in 13 days: $17,291.
Revenue · 30D$101,883
Net profit · 30D$27,264
Connects to the tools you already run on
- Business banking
- Payroll
- Accounting
- Payments
- E-commerce
- Tax
Product tour
One view of the whole business.
Stop stitching together bank tabs, spreadsheets and invoice tools. Northstar keeps the full picture current — and tells you what it means.
Cash forecast
$201,704
Why Northstar
Four things every owner wishes they had.
Built for the people who run the business, not the people who audit it. Everything is designed to answer one question fast: where do we stand?
Foresight
A 90-day forecast built from your real data, with what-if scenarios you can stack and compare.
90 daysof visibility
Speed
Send an invoice in under a minute. Let customers pay online. Let reminders do the awkward part.
9 daysfaster to get paid
Control
Roles, approvals and a full audit trail — so your team can move quickly without anyone guessing.
0surprise charges
Financial insights
Northstar notices what you’d miss.
Not another chart to interpret. Short, specific observations about your business — with the next step attached.
$18,932
Invoices
Send reminders4 invoices are overdue
The oldest is 17 days late. Customers who receive a reminder pay about six days sooner — Northstar can send them in one click.
2.7 months
Cash
Open forecastYou hold 2.7 months of expenses
Comfortably above your two-month floor. The lowest point in the next 90 days is $194,545 on Oct 31, after the holiday inventory order.
20%
Revenue
See revenueLarkspur Café is your largest account
It drives 20% of wholesale revenue. A healthy relationship — and worth watching before it becomes a dependency.
27%
Profit
View P&LNet margin over the last 30 days
Revenue is +6.9% against the previous 30 days. Northstar shows exactly which lines moved and why.
Cash-flow forecast
See around the corner.
Layer what-ifs on top of your real numbers: a late payer, a new hire, a big purchase. See the impact on cash before you commit.
Projected cash balance
Try a scenario — the chart updates instantly.
Invoice management
Send in seconds. Get paid in days.
From first draft to money in the bank, every step is tracked — and the slow ones are nudged for you.
- Branded and professionalStart from a template or a past invoice, with your logo, terms and tax settings.
- Pay by card or ACHCustomers pay from the email in two taps. Payments match to the invoice automatically.
- Reminders that aren’t pushyFriendly nudges before and after the due date, written in your voice.
- Books that close themselvesPaid invoices flow straight into revenue, cash flow and your reports.
InvoiceINV-1204
Bill to
Larkspur Café
Boulder, CO
Due
Oct 17, 2026
Net 15
| Description | Qty | Rate | Amount |
|---|---|---|---|
| House Blend — 5 lb bag | 24 | $58.00 | $1,392.00 |
| Espresso Roast — 2 lb bag | 12 | $29.50 | $354.00 |
| Cold Brew Concentrate — 1 gal | 6 | $42.00 | $252.00 |
Amount due$1,998.00
Payment received · ACH
Invoice sent9:02 AM
Opened by Larkspur9:41 AM
Paid by ACH2:15 PM
Security & trust
Built to protect the business you built.
Your numbers are the most sensitive thing about your company. Northstar treats them that way — by design, not as an add-on.
Encrypted end to end
AES-256 at rest and TLS 1.3 in transit. Keys are rotated automatically and never stored with your data.
Read-only by default
Bank connections can read balances and transactions. Nothing moves without your explicit approval.
Passkeys & 2-step sign-in
Phishing-resistant sign-in with passkeys, authenticator apps and security keys, enforced for your whole team.
Roles & approvals
Give your bookkeeper access without giving away the keys. Require a second approver above any amount.
A complete audit trail
Every sign-in, export and change is logged with who, what and when — ready for your accountant.
Independently assessed
Annual third-party penetration tests and a SOC 2 Type II program. Reports available under NDA.
SOC 2 Type IIProgram in placeAES-256Data at restRead-only accessBank connectionsPCI-DSSPayments scope
Northstar Capital is a financial technology company, not a bank. Security programs and certifications described on this page are part of the fictional product concept; none are held by a real company.
Customers
Owners get their evenings back.
I used to open four tabs and a spreadsheet to find out whether I could make payroll. Now I open one page, and it tells me.
Maya OkaforFounder, Lumen Dental Studio · Atlanta, GA
9 daysfaster payments
Customers pay the invoice from their phone before I’ve even left the driveway. The overdue list basically went away.
Daniel ReyesOwner, Reyes & Daughters Plumbing · Phoenix, AZ
−62%overdue invoices
Our bookkeeper stopped asking me for CSVs. The reports are simply there, and they’re right.
Tessa MoreauCOO, Brightfield Creative · Chicago, IL
6 hrssaved each week
Illustrative testimonials written for this concept. Customers, businesses and results are fictional.
Pricing
Simple, and honest.
Start free. Upgrade when your business needs more. No setup fees, no surprises.
Starter
For solo founders and freelancers getting their finances in one place.
$0/ month
Free forever
Start free- 1 connected account
- 5 invoices a month
- 30-day cash view
Growth
For small businesses that run on invoices, payroll and tight margins.
$31/ month
Billed annually · $372 / year
Start 14-day trial- Unlimited invoices
- 90-day forecast & scenarios
- Automatic reminders
- 3 seats
Scale
For growing teams that need approvals, controls and deeper planning.
$95/ month
Billed annually · $1,140 / year
Talk to sales- 12-month forecasting
- Payment approvals
- Roles, audit log & API
- 10 seats
Get started
Know where you stand.
Join thousands of U.S. small businesses running on clarity. Set up in minutes — no credit card needed.