Your books, on autopilot.
AI runs the accounting —
you run the business.
AI agents chase your receivables, match your bank statement to open invoices, and book repeat supplier invoices — every one of them waiting on your approval until you decide it doesn’t have to. Behind them: a real double-entry ledger, VAT-201 and Corporate Tax, built for UAE trading businesses rather than adapted for them.
Sound familiar?
The ops tax every UAE trader is secretly paying
Manual work isn't just slow — it costs you margin, cash, and sleep.
“Chasing receivables by WhatsApp & memory”
You’re the CRM, the reminder, and the chaser. Not anymore.
“Typing supplier PDFs by hand”
Your accounts team is a copy-paste machine. AI ends that.
“No real-time margin until month-end”
Blind decisions, stale numbers. Live margin changes that.
How it works
Three steps from chaos to clarity
AI reads any invoice → one live ledger → chase, reconcile, decide.
AI reads any invoice
Drag in a PDF, photo, or e-invoice. AI extracts every line item, matches to your product catalog, and flags discrepancies — in seconds, not hours.
One live ledger
Every invoice, payment, and receivable flows into a single real-time ledger — auto-categorized, reconciled, and visible without month-end closes.
Chase, match, decide
Overdue? The agent has already drafted the follow-up. Statement uploaded? Every line comes back matched to open invoices. Familiar supplier's invoice? It can book itself. All of it waits in one inbox until you approve — or until you've decided it doesn't have to.
What Ledgerless does
Every ops headache, handled by AI
The daily core — invoice capture, receivables, payables, and margins. Part of a complete six-module finance workspace built for UAE traders.
Zero typing. Every supplier invoice, captured.
Drag-drop any PDF or photo. AI reads it, maps every line to your product catalog, and flags mismatches — and it learns each supplier's format from the invoices you've already confirmed. Your team approves, not transcribes.
Get paid faster, without the awkward chase.
A live aging board shows every overdue invoice the moment it slips. The collections agent works the list daily and drafts each follow-up — professional, stage-appropriate, referencing the real open invoices. You approve it, until you've decided a particular customer no longer needs your sign-off.
A book that's current, not a month behind.
Every payment is allocated to the right invoice, to the fil, with double-entry posted behind it. Trial balance, P&L, and balance sheet are one click away — no month-end scramble, no spreadsheet hunts.
Know your profit today, not next month.
Margin per product and per customer, computed FIFO from your actual purchase and sales lines — so cost creep shows up the moment you look, not after the quarter closes.
AI agents · New
Autonomy you grant. Never autonomy you inherit.
Ledgerless now runs agents on a schedule — chasing receivables, matching bank lines, booking repeat invoices. None of them can act alone until you say so, one supplier and one customer at a time.
It proposes
Every agent starts fully review-gated. Drafts and matches land in one inbox, grouped by type. Approve a batch, edit a draft, or dismiss it.
It earns
Five consecutive approvals with zero edits, and that one customer or supplier becomes eligible. A single edit — or a single undo — resets the count to zero.
You grant
Only the owner can switch autonomy on, and only for that one party and that one action. Revoke it any time, in one click.
Works your overdue list, daily
Drafts a chase email per overdue customer, in the right tone for the stage they're at. It won't double-chase: a pending draft blocks another, and nobody is chased twice inside seven days unless their stage changes.
Customers with no email become a to-do — and it clears itself once you add one.
Turns a statement into matched payments
Upload a statement as PDF, image, or CSV. Scans are read by AI; CSVs are parsed deterministically with automatic column detection. Each line is matched to open invoices by name and invoice number — and re-uploading the same statement is safe.
Splits and partial matches always come to you. Only exact, single-invoice matches can run on their own.
Books repeat invoices from suppliers you trust
A familiar supplier's invoice can go from upload to booked invoice, updated product costs, and a posted ledger entry with no clicks — but only after clearing nine deterministic checks, including a 10% price band against last known cost.
Anything that fails a check goes to review with a plain-English reason.
- AI reads and drafts — deterministic code decides
- Automatic actions never build trust
- Claimed in the database before it runs, so nothing sends twice
- One in-flight action per customer, enforced by the database
- Stale proposals are rejected, not applied
- Owner-only for anything that touches the ledger
- Undo an executed action in one click
Finance workspace
The complete AI finance workspace. Every module connected.
From daily invoices to tax returns — six modules, one platform, all sharing the same ledger.
General Ledger
Real double-entry bookkeeping, running shadow-mode alongside your existing books. Every transaction posted, every account balanced — an auditable system-of-record building in the background.
GL runs alongside your current books and is not a replacement for your official ledger.
Financial Statements
P&L, Balance Sheet, and Cash Flow — derived directly from the GL. Compare periods and fiscal years. Formatted for your accountant, your bank, or internal review.
VAT-201 Return
UAE VAT return computed from your invoices and reconciled to the GL. Review each box, adjust if needed, run the filing checklist, then export for EmaraTax — or hand the output to your tax agent.
Ledgerless prepares and exports your VAT-201. You or your registered tax agent submit it to the FTA.
Corporate Tax (UAE CT)
UAE CT position computed from your P&L. Small Business Relief auto-detected. 0% / AED 375,000 / 9% bands applied. Review your taxable income and hand the worksheet to your tax agent.
Ledgerless produces your CT estimate for review. Your registered tax agent files the return with the FTA.
Collections & Dunning
AI-drafted payment reminders, a prioritised dunning worklist, and statements of account — sent by email at the right time. Collect professionally and at scale, with a full contact log.
Customer Credit Checks
Decide whether to extend credit before you ship. Free for every customer; a deeper paid evaluation available for high-value decisions.
Paid report is powered by Al Etihad Credit Bureau (AECB). Ledgerless is not a credit bureau; external data accuracy is subject to AECB source quality.
UAE FTA Mandate · 2026 The Federal Tax Authority requires e-invoicing for all VAT-registered businesses. Non-compliance carries fines from AED 5,000.
Ledgerless generates FTA VAT tax invoices today — and is built for the 2026 e-invoicing mandate.
It also prepares your VAT-201 return — computed from your invoices, reconciled to the general ledger, and exported for EmaraTax — and your Corporate Tax position, with Small Business Relief auto-detected. You or your registered tax agent file with the FTA.
- FTA VAT tax invoices
- TRN on every invoice
- VAT-201 return prep
- Corporate Tax + Small Business Relief
- Reconciled to the general ledger
- Built for the 2026 e-invoicing mandate
- Audit-trail built-in
Real results
Numbers that change your week
We used to spend half of Monday just matching last week's supplier invoices to payments. Now the book is clean by Friday afternoon — without anyone touching a spreadsheet.
- WhatsApp chains for every invoice
- 5 Excel sheets per month-end close
- Overdue invoices found weeks late
- No FTA VAT audit trail
- Invoices captured by AI in seconds
- A ledger that's current, not month-behind
- Follow-ups drafted for you, nothing slips
- FTA VAT audit trail, always
Built for you
Your business is unique.
So is your Ledgerless.
Off-the-shelf software forces you to adapt to its structure. Ledgerless adapts to yours — your catalog, your approval chain, your client relationships, your documents.
Tell us what you needFor your scale
Built for your scale. Priced for your reality.
No published price cards. We talk to you, understand your volume, and build a plan that fits — not the other way round.
Start small, scale fast
Whether you process 50 invoices a month or 5,000 — Ledgerless handles it. We grow with your volume, not against it.
Enterprise-grade, without the enterprise price
No per-seat shocks. No module upsells. Flexible plans aligned to how your business actually runs.
A team behind you, not a ticket queue
Your setup is handled by our team — not a knowledge base. Questions get answered by people who know your business.
Ready to see it for your business?
30 minutes. We walk you through a live demo tailored to how your operations actually work.
Get started
Ready to put your books on autopilot?
Tell us a little about your business. We'll set up a live demo tailored to your operations — no slides, no scripts.
Prefer email? ledgerless@polytrade.app