AI Meets Finance
Stop the Month-End Panic.
Stop the Month-End Panic.
Not another accounting tool. It’s your "Closure" engine—specifically designed for the unique needs of UK contractors.
£
Matched
£
Unpaid : £100
Focus On your Work, Nebula Takes Care Of The Rest
Focus On your Work, Nebula Takes Care Of The Rest
Time Drain
Small business owners lose over 120 hours annually on manual bookkeeping. That's time you could spend on growth
Error Prone
Up to 88% of spreadsheets contain errors, risking costly inaccuracies in your finances.
Compliance Stress
Streamline workflows with automated tools that simplify the sales process from start to finish.
Time Drain
Small business owners lose over 120 hours annually on manual bookkeeping. That's time you could spend on growth
The Reality For UK Businesses
The Reality For UK Businesses
Completed
11
Invoiced
12
Paid
07
On Hold
15
Completed
11
Invoiced
12
Paid
07
On Hold
15
120H+
120+ hours a year lost to bookkeeping
Over 120 hours a year are lost to bookkeeping — time that could be spent growing your business, serving your clients, or finally taking that long-overdue break. Automate your finances and get your hours back.
£200+
MTD Penalties Are Coming
Making Tax Digital (MTD) becomes mandatory in 2026, with £200+ penalties for non- compliance.
3 Million+
UK SMEs Still Offline
Over 3 million small and medium-sized businesses in the UK still don’t use finance software—leaving them behind in the digital transformation and exposed to compliance risks.
Move away from that nagging feeling
Move away from that nagging feeling: "Is it handled?" Did I miss a VAT deadline? Are my Dividends recorded correctly?
£200+
MTD VAT, Simplified
MTD VAT, Simplified. Be ready for the 2026 mandate without the surprises or penalties.
3 Million+
UK SMEs Still Offline
Over 3 million small and medium-sized businesses in the UK still don’t use finance software—leaving them behind in the digital transformation and exposed to compliance risks.
3 Million+
Over 3 million UK SMEs still handle finances manually
We created Nebula for the people behind those numbers, the self-employed, small business owners, and creators juggling growth and compliance. With AI-powered automation, Nebula makes finances effortless.
Benefits
Your Entire Business Finance, Simplified. All in One Place.
Ready to meet your new CFO? Claire is waiting to transform how you handle your finances. Start your conversation today.
Benefits
Your Entire Business Finance, Simplified. All in One Place.
Ready to meet your new CFO? Claire is waiting to transform how you handle your finances. Start your conversation today.
AI-Powered Automation
Reclaim 20+ Hours Monthly - Our AI handles 95% of your finance tasks automatically.
AI-Powered Automation
Reclaim 20+ Hours Monthly - Our AI handles 95% of your finance tasks automatically.
Human-Centred Design
Experience finance that's intuitive and effortless. Our platform is designed for immediate usability.
Human-Centred Design
Experience finance that's intuitive and effortless. Our platform is designed for immediate usability.
Dividend Management
Automated recording and document generation for your profit distributions.
Dividend Management
Automated recording and document generation for your profit distributions.
Fixed Asset Registers
Keep your hardware and equipment accounted for with built-in tracking.
Fixed Asset Registers
Keep your hardware and equipment accounted for with built-in tracking.
Seamless Scalability
Whether you're a freelancer starting out or an SME ready to expand, Nebula will grow with you!
Seamless Scalability
Whether you're a freelancer starting out or an SME ready to expand, Nebula will grow with you!
Comprehensive Ecosystem
Manage all your finances in one place banking, payroll, expenses, and more for complete control.
Comprehensive Ecosystem
Manage all your finances in one place banking, payroll, expenses, and more for complete control.
Director's Loan Tracking
Stay on top of company borrowing and withdrawals effortlessly.
Director's Loan Tracking
Stay on top of company borrowing and withdrawals effortlessly.
Plain English AI
No accounting jargon—just clear, step-by-step guidance through your finances.
Plain English AI
No accounting jargon—just clear, step-by-step guidance through your finances.
AI-Powered Automation
Reclaim 20+ Hours Monthly - Our AI handles 95% of your finance tasks automatically.
Human-Centred Design
Experience finance that's intuitive and effortless. Our platform is designed for immediate usability.
Dividend Management
Automated recording and document generation for your profit distributions.
Fixed Asset Registers
Keep your hardware and equipment accounted for with built-in tracking.
Seamless Scalability
Whether you're a freelancer starting out or an SME ready to expand, Nebula will grow with you!
Comprehensive Ecosystem
Manage all your finances in one place banking, payroll, expenses, and more for complete control.
Director's Loan Tracking
Stay on top of company borrowing and withdrawals effortlessly.
Plain English AI
No accounting jargon—just clear, step-by-step guidance through your finances.
Unlock Your Business's Full Potential With AI
Nebula puts AI advantages in your hands, transforming how you work and boosting your bottom line.
%
Less Manual Tasks
Nebula's AI automates up to 95% of your financial tasks, freeing up over 20 hours every month so you can focus on building your business.
%
More Confidence
Say goodbye to financial stress. Our AI provides the accuracy needed for total peace of mind, so you can make decisions with confidence.
%
Additional Growth Potential
Stop guessing and start growing. Our platform turns financial data into clear, actionable insights, helping you unlock your business's true potential.
Unlock Your Business's Full Potential with AI
Nebula puts AI advantages in your hands, transforming how you work and boosting your bottom line.
%
Less Manual Tasks
Nebula's AI automates up to 95% of your financial tasks, freeing up over 20 hours every month so you can focus on building your business.
%
More Confidence
Say goodbye to financial stress. Our AI provides the accuracy needed for total peace of mind, so you can make decisions with confidence.
%
Additional Growth Potential
Stop guessing and start growing. Our platform turns financial data into clear, actionable insights, helping you unlock your business's true potential.
Start Strong With Initium Lite
Start Strong With Initium Lite
Your financial journey begins here. Initium Lite from Nebula Finance gives you the smart tools and insights you need to manage your money with clarity and confidence right from day one.
This is just the beginning. In 2026, we’ll be launching a range of advanced plans designed to power deeper analytics, automation, and business growth.
Get started with Initium Lite today and grow with Nebula Finance as we shape the future of smarter money management.
Your financial journey begins here. Initium Lite from Nebula Finance gives you the smart tools and insights you need to manage your money with clarity and confidence right from day one.
This is just the beginning. In 2026, we’ll be launching a range of advanced plans designed to power deeper analytics, automation, and business growth.
Get started with Initium Lite today and grow with Nebula Finance as we shape the future of smarter money management.
Simple. Smart. Secure.
Initium Lite Features (April 2026)
Nebula Initium Lite is launching exclusively in the UK. Our first Founding Users get:
Features :
HMRC Self-Assessment and VAT support
AI-driven expense and income categorisation
Open Banking for automated reconciliation
Smart invoicing via chatbot
Secure receipt storage in the cloud
From Lite to Limitless
The Future: Where Nebula is Headed
Initium Lite is just the beginning. As a Founding User, you’ll get early access to Nebula’s evolving platform:
Features :
Payroll and pensions
Multi-currency and overseas expansion tools
CRM and project management
POS and investment integrations
Low-code customisation
Simple. Smart. Secure.
Initium Lite Features (April 2026)
Nebula Initium Lite is launching exclusively in the UK. Our first Founding Users get:
Features :
HMRC Self-Assessment and VAT support
AI-driven expense and income categorisation
Open Banking for automated reconciliation
Smart invoicing via chatbot
Secure receipt storage in the cloud
From Lite to Limitless
The Future: Where Nebula is Headed
Initium Lite is just the beginning. As a Founding User, you’ll get early access to Nebula’s evolving platform:
Features :
Payroll and pensions
Multi-currency and overseas expansion tools
CRM and project management
POS and investment integrations
Low-code customisation
Simple. Smart. Secure.
Initium Lite Features (April 2026)
Nebula Initium Lite is launching exclusively in the UK. Our first Founding Users get:
Features :
HMRC Self-Assessment and VAT support
AI-driven expense and income categorisation
Open Banking for automated reconciliation
Smart invoicing via chatbot
Secure receipt storage in the cloud
From Lite to Limitless
The Future: Where Nebula is Headed
Initium Lite is just the beginning. As a Founding User, you’ll get early access to Nebula’s evolving platform:
Features :
Payroll and pensions
Multi-currency and overseas expansion tools
CRM and project management
POS and investment integrations
Low-code customisation
See How Nebula Transforms Businesses Like Yours.
See How Nebula Transforms Businesses Like Yours.
We believe every business deserves financial clarity and freedom. Here are just a few examples of how Nebula helps our customers simplify their finances and achieve their goals.
For Freelance Designers: Automate Taxes, Focus on Your Craft.
Sarah, a freelance graphic designer, used to dread tax season. Hours spent sifting through receipts, manually categorising expenses, and worrying about HMRC deadlines.
Nebula's Impact
With Nebula, Claire automates her expense
tracking and VAT submissions. Sarah now spends minutes on her finances each week, freeing up time to focus on her creative projects and clients.
Automate taxes. Focus on your craft. Nebula truly gets it. My stress levels have plummeted!" - Sarah, Freelance Designer.
Freelance graphic designer
Sarah
For Freelance Designers: Automate Taxes, Focus on Your Craft.
Sarah, a freelance graphic designer, used to dread tax season. Hours spent sifting through receipts, manually categorising expenses, and worrying about HMRC deadlines.
Nebula's Impact
With Nebula, Claire automates her expense
tracking and VAT submissions. Sarah now spends minutes on her finances each week, freeing up time to focus on her creative projects and clients.
Automate taxes. Focus on your craft. Nebula truly gets it. My stress levels have plummeted!" - Sarah, Freelance Designer.
Freelance graphic designer
Sarah
Finance that grows with you. Nebula scaled perfectly with our start-up, giving us enterprise-grade control without the complexity.
Startup Ceo
Alex
Finance that grows with you. Nebula scaled perfectly with our start-up, giving us enterprise-grade control without the complexity.
Startup Ceo
Alex
For Tech Startups: Finance That Grows With You.
Tech start-up 'Innovate Co' was scaling rapidly, but their basic accounting software couldn't keep up. They needed real-time insights hiring a full finance team.
Nebula's Impact
Nebula's Initium and Expansion tiers provided Innovate Co with multi-currency support, integrated CRM, and AI-powered reconciliation, allowing them to manage rapid growth effortlessly and maximise their runway.
For Tech Startups: Finance That Grows With You.
Tech start-up 'Innovate Co' was scaling rapidly, but their basic accounting software couldn't keep up. They needed real-time insights hiring a full finance team.
Nebula's Impact
Nebula's Initium and Expansion tiers provided Innovate Co with multi-currency support, integrated CRM, and AI-powered reconciliation, allowing them to manage rapid growth effortlessly and maximise their runway.
For Local Businesses: Enterprise-Grade Finance, Zero Complexity.
A growing local bakery, 'The Daily Loaf,' struggled with managing multiple payment systems, complex payroll, and generating accurate year-end reports.
Nebula's Impact
Nebula's comprehensive platform unified their POS data, automated payroll, and provided clear accounting reports. The AI Concierge ensures compliance, giving the owners peace of mind.
For Local Businesses: Enterprise-Grade Finance, Zero Complexity.
A growing local bakery, 'The Daily Loaf,' struggled with managing multiple payment systems, complex payroll, and generating accurate year-end reports.
Nebula's Impact
Nebula's comprehensive platform unified their POS data, automated payroll, and provided clear accounting reports. The AI Concierge ensures compliance, giving the owners peace of mind.
Enterprise-grade finance, zero complexity. Nebula brought clarity to our chaotic finances. We finally feel in control!
Company owner
Maria
Enterprise-grade finance, zero complexity. Nebula brought clarity to our chaotic finances. We finally feel in control!
Company owner
Maria
Our partners
Growing Together With Partners Who Get It
Building the future of finance isn't a solo mission. We partner with forward-thinking organisations that share our commitment to simplifying business finance for UK entrepreneurs.
Broadbench
FCA-regulated mortgage and insurance specialists for freelancers, contractors, and business owners. Together, we're making financial services work for the people traditional providers overlook.
IBM
Global leader in enterprise AI and cloud infrastructure. Nebula is built on technology you can trust powered by IBM's world-class innovation to keep your finances secure and intelligent.
Frequently Asked Questions
Frequently Asked Questions
Your success is our mission. As business advisors, we offer expert guidance, unlocking your potential for growth and profitability.
1. What is Nebula Finance?
2. How do I get started with Nebula?
3. Can I link all my accounts to Nebula?
4. Is my data secure?
5. What makes Nebula different?
6. Is there a mobile app for Nebula?
1. What is Nebula Finance?
2. How do I get started with Nebula?
3. Can I link all my accounts to Nebula?
4. Is my data secure?
5. What makes Nebula different?
6. Is there a mobile app for Nebula?
Join As A Founding User - Shape The Future Of Finance
Your business deserves more time, more clarity, and less stress. Become a Nebula Founding User and help shape the future of AI-driven finance for small businesses.
Our Partners
Contact
London, United Kingdom
Join As A Founding User - Shape The Future Of Finance
Your business deserves more time, more clarity, and less stress. Become a Nebula Founding User and help shape the future of AI-driven finance for small businesses.
Our Partners
Contact
London, United Kingdom
Join As A Founding User - Shape The Future Of Finance
Your business deserves more time, more clarity, and less stress. Become a Nebula Founding User and help shape the future of AI-driven finance for small businesses.
Our Partners
Contact
London, United Kingdom