The AI finance operator for small businesses
For small businesses without a finance team. Lightswap tells you where you stand, what needs attention and what to do next.
No card required.
The questions that keep coming up
“Who still owes me money?”
“What money is coming out this week?”
“Why is there less cash than last month?”
“Can I afford to hire someone?”
“How much of my bank balance do I need to set aside for taxes and other items?”
“What have I forgotten?”
Whether you sell 🍷 🧀 ☕ 👟 🪑 💐 🚲 📦, bill for 💻 📐 ⚖️ 📊, or do something nobody’s thought of yet.
Not to spend your evenings figuring out money.
We’ll stay on top of the money.
How Lightswap works
01
Connect your bank accounts, Xero, Stripe and the other tools your business uses.
02
Lightswap brings everything together and works out where your business stands, what has changed and what is coming up.
03
Lightswap shows you what needs attention, explains why and prepares the next step. You decide what happens.
Security
Nothing moves without you.
Lightswap connects securely to the tools you already use. It doesn’t take custody of your money or move anything without you.
Information comes in. Nothing goes out without you.
Nothing is sent and nothing is paid without you doing it. Lightswap prepares the next step; you decide whether it happens.
Your connections are encrypted at rest and read-only. Disconnect any account whenever you like, and take your data with you.
What needs your attention
Lightswap brings the important things to the surface, explains why they matter and tells you what to do next.
£16,740 tax payment due 25 August By Friday
Move £8,000 from Reserve to your current account by Friday to stay above your buffer.
Warehouse costs are up £1,180 Review
July fulfilment from London City Bond was higher than your recent average.
Nothing needs you right now
Shopify, Barrafina and the producer payment are all on schedule.
Every morning
One page each morning. What changed, what it means, and the one thing worth doing about it.
You have £64,700.95 today. Six payments leave before The Ritz and Selfridges pay you, and on 8 Sep that puts you £559 under your £8,000 buffer.
What I’d do
Chase The Ritz today.
Their £5,240 is 7 days late. If it lands before 8 Sep you stay above your buffer. The note is written — you send it.
Copy the chaseNot now
The weeks ahead
See what’s coming in, what’s going out and when cash might get tight.
Select any day to see what moves your balance.
8 Sep
£7,440.95
projected bank balance · £559.05 below your buffer
Thursday 27 August
Answered from your actual numbers, payments, invoices and plans, not generic advice.
Invoice inbox
Every business gets its own Lightswap email address. Forward a bill or invoice and Lightswap reads it, tracks when it’s due and adds it to your cash forecast.
Reading London City Bond invoice 2214.pdf
What’s due Bills Lightswap is tracking
Added to your cash picture.
The everyday stuff, too
Create invoices in Xero or ask Lightswap to prepare one. Lightswap tracks when they’re due and tells you when a customer needs chasing.
Know when expected money hasn’t arrived, when payments leave and what changed since yesterday.
See upcoming supplier bills, tax payments and subscriptions before they leave your account.
Your bank knows one part. Xero knows another. Stripe knows another. Lightswap brings them together so you can see the whole picture.
Pricing
7 days free
Lightswap
£399/month
No card required. Cancel anytime. Everything included from day one.
Try Lightswap freePrefer to talk first? Book 20 minutes.
What’s included
No setup fee · No per-user pricing · No annual lock-in · No sales call required
Before you start
Every figure is calculated by code from your connected accounts — balances, what’s due, what’s late, what’s projected. The AI is only allowed to put those figures into plain English. It never does the arithmetic and never invents a number.
No. Access is read-only. Lightswap can prepare a chase or a reminder for you, but nothing is sent and no payment is made without you doing it yourself.
No. Lightswap sits alongside the tools you already use. Your accountant keeps the books; Lightswap watches the next few weeks.
Connect your bank and you’ll have a picture the same morning. There’s no chart of accounts to rebuild and no categories to configure.
Over 5,000 banks across the UK, Europe and the US, plus Xero, QuickBooks, Stripe, Square and Shopify. If something you rely on isn’t supported, tell us — that’s how the list grows.
See your business clearly tomorrow morning.
7 days free. No card required. Prefer to talk first? Book 20 minutes.