Full accounting + the construction bits Xero never built.

Accounts that don't
punish contractors.

Full double-entry accounting — invoicing, bank feeds, P&L, balance sheet, multi-currency, mobile. Plus: Construction Act Pay-Less Notice clock, CIS300 to HMRC, supplier ledger with contract sums, AfP auto-totals, free B2B payments. The whole stack, one login.

Xero £30/mo+Dext £25/mo+ApprovalMax £29/mo·InvoLynx £9/mo for the lot
Join the waitlist See what's inside
HMRC-recognised software CIS300 + MTD VAT + MTD ITSA One-click Starling Toolkit migration
invo-lynx.co.uk/dashboard/payments
Construction Act dashboard
Contract
Pinnacle Mechanical · Job #14
JCT D&B 2024 · Subcontract
AfP submitted
22 May 2026
Due date
28 May 2026
Payment Notice issued
02 Jun 2026
Final date
14 Jun 2026
Pay-Less Notice window
3
days
left.
Issue a valid Pay-Less Notice by 07 Jun 2026, 17:00 or the notified sum is owed in full.
Alerts armed · T-7, T-3, T-1·Audit trail kept 12 yearsNotified sum: £29,143
They chargeXero£16–59/moStandard · no CIS, no PLN clockQuickBooks UK£14–115/moPlus tier needed for CISFreshBooks£15–35/moLite caps at 5 clientsDext Prepare£25/moOCR bolt-on on top of XeroApprovalMax£29/moApproval workflow bolt-onEque2 / RedSky£18–90k/yrConstruction ERP · quote-onlyInvoLynx£3–£15/moevery feature, every tier
Public published prices verified May 2026. Comparative ad — UK Business Protection from Misleading Marketing Regs 2008.
Pricing.

Three flat tiers. Every feature on every tier above Standard.

No per-user. No per-transaction. No micro-upsell. Same price next year.

Sole Trader
Self-employed · sole trader · landlord
£3/mo
  • Invoicing + Stripe pay-link
  • Bank feeds + reconciliation
  • P&L + Balance Sheet
  • MTD ITSA submission
  • Mobile app
Join the waitlist
Most popular
Standard
Ltd company · multi-user
£9/mo
  • Everything in Sole Trader
  • Multi-user + roles
  • Purchase ledger + OCR
  • Multi-currency invoicing
  • Customer + supplier records
Join the waitlist
Plus
Construction · regulated
£15/mo
  • Everything in Standard
  • HMRC MTD VAT submission
  • CIS300 to HMRC Gateway
  • Construction Act PLN clock
  • AfP inbox + supplier ledger
Join the waitlist
HMRC recognised
MTD VAT · MTD ITSA · CIS300
Construction Act
Pay-Less Notice clock built in
Open Banking
Live bank feeds (TrueLayer / Plaid)
Audit-logged
Every change · user · timestamp
Why it costs £9, not £90.

What you're not paying for.

The big accounting products price per tier, per feature, per transaction. We don't.

How the rest rack it up.
  • ✕
    Per-tier feature paywalls.
    CIS on the £42 tier. Bank feeds on the £30 tier. Want both? £50.
  • ✕
    £25/mo for OCR. £29/mo for approvals.
    Bolt-ons because the base product is threadbare.
  • ✕
    No Construction Act timer.
    You're on your own counting Pay-Less Notice deadlines.
  • ✕
    CIS handled, sort of.
    You enter it, the software prints it. You still file CIS300 separately.
  • ✕
    Per-transaction payment fees.
    Every supplier payment is a tax.
  • ✕
    "Construction" ERPs cost £20k+/year.
    Eque2, RedSky, Sicon — quote-only, 3-year contracts.
That's us.
How InvoLynx does it.
  • ✓
    Every tier above Standard has every feature.
    £9/mo opens the whole product. £15/mo unlocks HMRC on top.
  • ✓
    OCR + approvals included from day one.
    Claude reads bills, auto-codes them, routes for sign-off. No bolt-on.
  • ✓
    Construction Act clock. Built in.
    PLN due, final date, response window — counted, alerted, drafted.
  • ✓
    CIS300 to HMRC Gateway. Directly.
    Verify subbies. File monthly. Generate statements. Done from one screen.
  • ✓
    Free B2B payments via Crezco.
    Open Banking transfers ≤£25K cost £0. Real money saved.
  • ✓
    Same software a sole trader uses, just with more switches on.
    £3 · £9 · £15. That's the menu. No 12-month contract.
Subcontractor ledger · Contract sums + AfP auto-totals.

Treats subs like a construction firm actually does.

Each subcontractor has a contract — original sum, signed variations, agreed retention %. Every application shows: gross applied, less previous valuations, less retention, less CIS — all auto-calculated, visible to both sides. Xero treats subs as generic suppliers; we don't.

  • Original sum + variation register + retention all visible per sub.
  • Application maths auto-totalled — gross, retention, CIS, net certified.
  • Same retention object shared with the sub — no reconciliation arguments.
Subcontractor · Pinnacle MechanicalJCT D&B 2024
Original contract sum
£142,000
Variations (3 signed)
£8,400
Retention agreed
3%
CIS status
20% deduct
Cumulative certified£93,643 of £150,400 · 62%
Recent valuations
Val 01MarGross £32,200£24,420Paid
Val 02AprGross £32,300£24,080Paid
Val 03MayGross £38,200£29,143Certified
Sales invoicing · UK VAT + DRC + CIS.

Branded invoices. Stripe pay-link. Late chasers.

Send a UK-VAT-compliant invoice in 30 seconds. Domestic Reverse Charge auto-detected on B2B construction services. CIS deduction applied automatically to subbie lines. Stripe pay-link on every PDF. Recurring invoices, late-payment reminders, branded statements.

  • UK VAT + DRC auto-detect + CIS deduction on subbie lines.
  • Stripe pay-link, GoCardless DD, Crezco B2B Open Banking.
  • Recurring invoices, late-payment reminders, branded statements.
Invoice · INV-2026-0184
JP Fabrications Ltd · Crouch End Yard
£11,400
Due 21 days
Mezzanine steel · supply & erect£9,500
Galvanising 85µm DFT£1,240
Site mobilisation£660
Subtotal (ex VAT)£11,400
VAT — Domestic Reverse Charge applies£0.00
DRC auto-detected · “Customer to account for VAT under the reverse charge”
Stripe pay-link
Live
GoCardless DD
Available
Crezco Open Banking
B2B · £0 fee
Bank feeds · AI reconciliation.

Reconcile a month in fifteen minutes.

Live bank feed via Open Banking (TrueLayer / Plaid). AI matches transactions to invoices and bills with confidence scoring. Rules engine learns your habits — ‘every TRAVIS-PERKINS line → Materials, nearest active job’. Above 95% confidence, it auto-clears.

  • Live Open Banking feed — TrueLayer / Plaid / direct.
  • AI rule engine — pattern → category → project, learnt over time.
  • Three-way match (PO → GRN → Invoice) with tolerance rules.
Bank reconciliation · TrueLayer feedLive
23 May
TRAVIS-PERKINS LTD
Materials · Crouch End · 96%
£842
23 May
STRIPE PAYOUT
INV-2026-0184 · 100%
+£11,400
22 May
JEWSON LIMITED
Materials · Hampstead · 94%
£318
22 May
PINNACLE MECH (CIS subbie)
Val 03 · 100%CIS auto
£7,411
21 May
GOCARDLESS COLLECTION
INV-2026-0178 · 100%
+£4,200
5 of 5 matched · 0 needs review AI matched
Reports · P&L, balance sheet, cashflow.

The numbers your accountant wants. Live.

Full double-entry produces a live P&L, balance sheet, cashflow statement, trial balance, debtors / creditors aging. Filter by period, project, department. Export to PDF / CSV / Excel. Lock periods after sign-off.

  • Live P&L, balance sheet, cashflow, debtors/creditors aging.
  • Filter by project / department / cost code.
  • Multi-entity consolidation — Ltd + LLP + sole-trade on one login.
Profit & loss · May 2026 · YTDFilter: All projects
Turnover£287,400
Cost of sales−£184,200
Materials−£112,400
Labour (incl CIS)−£56,800
Plant hire−£15,000
Gross profit£103,200
Overheads−£42,800
Net profit£60,400
Net margin21.0%
HMRC submissions · MTD VAT + CIS300 + MTD ITSA.

File directly. HMRC-recognised software.

Quarterly VAT returns to HMRC. Monthly CIS300 with subbie verification (gross / 20% / 30%). MTD ITSA for sole traders >£50K turnover — mandatory since April 2026. Digital-links rule respected end-to-end.

  • MTD VAT — quarterly returns submitted via HMRC API.
  • CIS300 — monthly returns + subbie verification via Gateway.
  • MTD ITSA — quarterly self-assessment for sole traders, standard in Plus.
HMRC Gateway · SubmissionsRecognised
CIS300May 2026Due 19 JunFiled 04 JunFiled
VAT MTDQ1 2026 (Apr–Jun)Due 07 Aug—Draft
CIS300Apr 2026Due 19 MayFiled 12 MayFiled
MTD ITSAQ4 2025 (sole)Due 07 MayFiled 03 MayFiled
CIS300Mar 2026Due 19 AprFiled 11 AprFiled
Audit trail · digital links preserved end-to-end File next CIS300
Claude OCR + AP automation.

Snap a bill. Walk away. It's filed.

Photograph a supplier bill. Claude reads it, auto-codes the GL, applies VAT and DRC treatment, applies CIS on subbie labour lines, routes for approval. Above 95% confidence, it skips human review. Construction-aware: knows the difference between a builder's merchant statement, a labour invoice, and a plant hire docket.

  • Builder's merchant monthly statements auto-reconciled to receipts.
  • CIS-aware on labour vs materials splits — no manual workaround.
  • GPS-tagged receipts auto-assigned to the nearest CostLynx project.
  • AP automation = no Dext bill, no ApprovalMax bill, no Bill.com bill.
Claude OCR · Travis Perkins statementRead in 0.9s · 97% confidence
Bill (photo)
TRAVIS PERKINS LTD
Statement 27/05/2026
Account: 14883
Total due: £4,824.60
— 14 line items —
Auto-coded · 14 lines
COGS · Materials · Crouch End£2,840
COGS · Materials · Hampstead£1,240
COGS · Materials · Tottenham£568
Consumables · Workshop£176
97% confidence · auto-cleared
Do the maths.

Replace the whole stack for £15.

The bill a typical UK construction firm pays for stitching together what InvoLynx does in one product.

The expensive way.
Xero Standard£30/mo
Dext (OCR)£25/mo
ApprovalMax (approvals)£29/mo
Sicon / CIS bureau£25/mo
B2B payment fees£12/mo
Typical monthly~£121
VS
SAVE £106/MO
The InvoLynx way.
INVO-LYNX PLUS
£15
/ month · everything in
Every feature on every tier above Standard.
CIS, MTD, PLN, AfP, OCR, B2B pay — included.
Cancel any time.
And everything else.

Everything Xero ships — plus the bits it never did.

Multi-currency, multi-entity, recurring invoices, quotes, expenses, 3-way match, audit trail, mobile. All included.

Multi-currency.
Invoice in any currency. Live FX, automatic gain/loss accounting. Hold GBP + USD + EUR balances.
Multi-entity.
Run the Ltd, the LLP, and the personal sole-trade on one login. Consolidated group accounts.
Recurring invoices.
Retainers, subscriptions, monthly fees. Bills, sends, reminds, reconciles — every month.
Quotes & estimates.
Branded quotes, open-tracking, one-click convert to invoice. Optional e-signature.
Expense claims.
Photo receipts, GPS auto-tagging to projects, mileage at HMRC rates, manager approval.
3-way match.
PO → GRN → Invoice with tolerance rules. Block payment if mismatch.
Free supplier portal.
Every supplier gets a free login. Sees invoice status, payment timeline, remittance.
Retention ledger.
Held vs due, PC + DLP dates, auto-invoice on release. Shared object with the sub.
Audit trail.
Every change logged with user, timestamp, before/after. Lock periods after sign-off.
Mobile app.
Invoice on site, capture receipts, approve bills, see cashflow. Full parity with desktop.
Free B2B payments.
Crezco Open Banking transfers ≤£25K cost £0. Bulk pay-runs supported.
Group ecosystem.
Certified CostLynx valuation auto-raises a sales invoice. WorkLynx timesheets feed payroll journal.
Part of the Lynx Group.

The other side of the ledger: CostLynx prices it, InvoLynx collects it.

CostLynx priced BoQ → InvoLynx sales invoice with DRC + CIS treatment. SiteLynx compliance gates supplier payment. WorkLynx timesheets feed the payroll journal. One ecosystem.

See CostLynx.
FAQ.

The things every contractor asks.

Straight answers. No sales pitch.

Stop paying £100/mo for an accounting stack that still doesn't track the PLN clock.

£3 sole trader · £9 standard · £15 Plus with HMRC submissions and the Construction Act suite. One login. Every feature.

Join the waitlist
Cancel any time · 30-day money back · UK-hosted