AI-Powered Financial Intelligence
HORIZON keeps the books current, then uses that financial ground truth to surface the outside pressures, internal drift, and operating signals most businesses catch too late. The books are the sensor. The intelligence layer gives them context.
A full walkthrough of HORIZON showing how bookkeeping, banking, reconciliation, reporting, forecasting, and intelligence work together in one interface, guided by an AI copilot with 200+ specialized tools.
Automated Bank Reconciliation
HORIZON connects to over 12,000 U.S. banks and imports transactions in real time. A matching engine automatically reconciles bank transactions against the general ledger, applying high-confidence matches without any manual work.
Transactions that fall outside the automatic threshold are flagged for your review. Transfer detection identifies matching deposits and withdrawals between accounts and posts the correct entries automatically.
- Statement import + transaction matching
- Balance verification + adjusting entries
- Transfer detection between accounts
- Books locked after close
- 12,000+ U.S. bank connections
Complete Subledger Reconciliation
Beyond bank reconciliation, HORIZON reconciles five subledger types: Accounts Receivable, Accounts Payable, Loans, Inventory, and Fixed Assets. Each subledger has period-aware sessions that show status, exception counts, and balance comparisons against your books.
Balances are matched automatically against posted entries and discrepancies are resolved. Unposted invoices, bills, and payments are detected and posted automatically. Every reconciliation session produces a complete audit trail.
- Accounts Receivable (AR)
- Accounts Payable (AP)
- Loans
- Inventory
- Fixed Assets
Automatic Transaction Categorization
HORIZON learns how you categorize transactions and starts doing it for you. The system builds permanent rules from your categorization patterns, so recurring merchants are handled instantly without any manual work.
New or unfamiliar transactions are handled by AI. Transfers between accounts are detected and posted correctly. Everything lands in the right place automatically.
- Learns your categorization patterns
- AI handles new merchants
- Automatic transfer detection
- Journal entries posted automatically
- Zero manual data entry
AI-Driven Anomaly Detection
HORIZON monitors financial transactions for anomalies and irregularities. The system surfaces unusual spending patterns, duplicate charges, unexpected category shifts, and transactions that fall outside normal ranges for a given vendor or account.
Rather than burying these in a report, the assistant flags them in real time and explains what it found in plain language. Business owners can ask follow-up questions, drill into the underlying transactions, and take corrective action immediately. All anomaly detection runs against the live ledger, not a delayed snapshot.
- Unusual spending pattern alerts
- Duplicate charge detection
- Category shift warnings
- Vendor amount variance flags
- Plain-language explanations
A Business Health Dashboard That Adapts to Real Conditions
HORIZON tracks the metrics that matter - cash runway, profit margins, revenue growth, and industry-specific ratios - and compares them against benchmarks for your specific business type and size.
Thresholds are not static. They adjust based on your industry, company size, and current economic conditions. When inflation spikes, your operating expense target adjusts automatically. When rates rise, your debt coverage benchmark tightens. 18+ financial reports are available at any time with period-over-period comparison and drill-down to individual transactions.
- Industry-specific benchmarks
- Adapts to your company size
- Adjusts with economic conditions
- 18+ financial reports on demand
- Composite financial health score
Cash Flow Forecasting with Revenue Attribution
HORIZON forecasts cash flow with three scenarios (optimistic, realistic, pessimistic), each enriched with macro-economic signals and revenue attribution data. The worst-case scenario names your top revenue contributor and their share, so you know exactly what's at stake.
Revenue attribution measures customer concentration and scores it. It simulates churn impact - what happens to your runway if your top customer leaves - tracks payment behavior deterioration, and sets diversification targets. This is intelligence tradecraft applied to business finance.
- 12-month and 365-day forecasts
- Churn impact simulation
- Payment behavior deterioration alerts
- Diversification target recommendations
- Cash runway under multiple scenarios
Always Watching What Affects Your Business
HORIZON continuously monitors economic, regulatory, and geopolitical signals. Interest rates, inflation, GDP, unemployment, producer prices, currency exchange rates, trade regulations, and cybersecurity threats. All collected and updated automatically.
These signals are not dashboards you check. They are woven directly into your forecasts, your KPI targets, your vendor risk scores, and your budget assumptions. When the economy shifts, your financial picture updates with it. When new trade rules are published, your supply chain analysis reflects them. You don't need to read the news. HORIZON already did.
- Interest rates and inflation
- GDP and employment trends
- Producer prices by sector
- Currency exchange rates
- Trade rules and tariff changes
- Cybersecurity threat intelligence
Vendor Intelligence, Risk Screening, and Cyber Threat
HORIZON screens every vendor against sanctions lists and scores country risk based on geopolitical signals, currency volatility, spend concentration, and active trade alerts. Tariff exposure is calculated automatically, including additional duties for specific countries and product categories.
Vendor cybersecurity risk is assessed through live threat intelligence. Supplier scenario modeling lets you simulate the impact of tariff increases, currency shifts, or price spikes across your top vendors before they hit your P&L. Ask the AI "What's the tariff on electronics from China?" and it pulls the answer instantly.
- Sanctions and restricted country screening
- Tariff rate lookups with additional duties
- Cybersecurity threat assessment
- Supplier scenario modeling
- Conversational risk queries via AI
Watch the AI Do the Work
This demo shows HORIZON's AI agent executing tasks across the platform in real time. Not just answering questions, but creating invoices, running reports, and navigating the system on your behalf.
Conversational AI Assistant
Business owners interact with HORIZON through a conversational AI assistant with 200+ specialized tools. Ask "How much did I spend on contractors this quarter?" and it queries your live ledger. Ask "What's the current interest rate and how does it affect my cost of capital?" and it pulls from live economic data. Ask "Are there government contracts I can bid on?" and it searches for opportunities matching your industry.
The assistant doesn't just answer questions. It navigates the platform, executes multi-step workflows, and completes tasks on your behalf. Tell it to create an invoice and it fills out the form, calculates the totals, and presents it for your approval. Ask it to run a report and it navigates to the right page, sets the parameters, and delivers the result. The learning curve for the software disappears because the AI handles the navigation while you focus on the decision.
The AI handles routine work automatically, but anything that changes your financial records requires your explicit approval first. You stay in control of every decision that matters.
- Routine tasks run automatically
- Changes to your books need your approval
- Live economic and regulatory queries via chat
- Government contract opportunity search
- Natural language across all data sources
Invoicing, Bills, and Payment Collection
Create and send invoices with line items, tax calculations, and custom payment terms. Set up recurring invoices with automatic delivery and payment reminders. Track partial payments, overpayments, and credit memos against open balances.
Collect payments through Stripe or Square, whichever your business already uses. Payment links are generated automatically with each invoice, and journal entries post to the ledger the moment a customer pays. QuickBooks Online users can sync their existing data into HORIZON without starting over. Manage vendor bills with automatic capture, approval workflows, and duplicate detection. Track 1099-eligible contractor payments throughout the year and generate 1099-NEC documents at tax time.
- Stripe payment collection
- Square payment collection
- QuickBooks Online sync
- Automatic bill capture + duplicate detection
- Books update automatically on payment
- 1099-NEC contractor tracking
AI Budget Suggestions with Industry Context
HORIZON generates budget recommendations enriched with industry benchmarks for your specific business type. The AI knows where you stand relative to your industry and top performers, and builds a budget that reflects it.
Recommendations are fiscal year aware and respect elapsed months. Months already closed are locked to actuals. The AI only forecasts forward-looking months, distinguishing between fixed costs and discretionary spending so the suggestions are realistic.
- Industry benchmark data
- Fiscal year boundary awareness
- Elapsed months locked to actuals
- Fixed vs. discretionary cost classification
- Top-quartile target recommendations
Tax Forms and Compliance Reporting
HORIZON generates the tax documents small businesses actually need: 1099-NEC for contractor payments, Form 4562 (depreciation and amortization), Form 940 and 941 for payroll taxes, Payroll Tax Summary, W-2 for employees, Schedule L (IRS Balance Sheet), Schedule M-1 (book-to-tax adjustments with editable manual adjustments), Schedule M-2 (retained earnings analysis), and Form 1125-E (officer compensation).
Complete audit trail with immutable journal entries. Every balance is queryable. Every change is tracked. Books stay locked after close. Built to the standards auditors expect, whether you need them today or not.
- 1099-NEC, Form 940/941, W-2
- Form 4562 (depreciation)
- Payroll Tax Summary
- Schedule L, M-1, M-2
- Form 1125-E (officer compensation)
Assets, Inventory, and Payroll
Record fixed assets with automatic depreciation calculations posted each period. Track property valuations automatically. Manage inventory quantities with reorder alerts and adjustment tracking.
Payroll integration syncs employee and contractor profiles with salary information, department assignments, benefits, and payment history. Payroll journal entries are created automatically. Manage up to 5 entities with consolidated financials, intercompany eliminations, and entity-level reporting from a single login.
- Fixed asset depreciation
- Property valuation auto-fetch
- Inventory tracking + reorder alerts
- Payroll sync + auto journal entries
- Multi-entity consolidation
Competitors, Public Filings, and Government Contracts
HORIZON discovers local competitors automatically, pulling ratings, review counts, price levels, and market positioning. For vendors and competitors that are publicly traded, it monitors their public filings for financial signals that could affect your business.
Government contract search finds active federal opportunities matching your industry. Ask the AI "Are there any government contracts I could bid on?" and it returns current opportunities with titles, agencies, and deadlines. HORIZON doesn't just monitor threats. It finds opportunities.
- Local competitor discovery
- Public company filings monitoring
- Financial risk factor extraction
- Government contract opportunities
- Industry-matched federal contracts
Your Data Is Protected at Every Level.
10 independent layers of security protect your financial data. If any single layer detects a problem, the system stops rather than continuing in an unsafe state.
Encrypted Everywhere
Your data is encrypted when it travels between your browser and our servers, between our servers and the database, and while it sits stored on disk. Nothing is ever unprotected.
Secure Login & Permissions
Enterprise-grade authentication with separate permission levels for business owners, accountants, and team members. Every action is verified against your role before it executes.
Complete Data Isolation
Your financial data is completely separated from every other business on the platform through four independent isolation layers. Even if one layer were compromised, the remaining three would still prevent unauthorized access. No other business can ever see your data.
Accuracy You Can Trust
Every financial entry must balance before the system accepts it. Numbers are stored with exact precision, never rounded. Once an entry is posted, it cannot be changed. It can only be corrected with a new entry. Closed periods stay closed.
AI with Guardrails
The AI handles routine tasks like categorization and reporting automatically. But anything that changes your financial records (a write-off, an adjustment, a reversal) requires your explicit approval first. You stay in control.
Complete Audit Trail
Every action is logged. Every transaction posted, every match made, every report generated. When your accountant or an auditor asks "where did this number come from?", HORIZON can trace it back to the source in seconds.
See It in Action
14-day free trial. No credit card charged until day 15. Connect your bank and let HORIZON show you what your finances actually look like.