Finance AI Index
Index › Accounting and close › Financial consolidation › Small business › September 2026 Edition

Financial consolidation for small business buyers

Asked as “financial consolidation software”, and as “multi-entity consolidation tool”, on behalf of a small B2B company. 51 first choices recorded across the direct, paraphrase, budget and scale prompts, twelve models each.
Standing
Joiin
Contested
25% of first choices, contested.
ShowinginAll 41 categories →

By buyer segment

The same question asked on behalf of a different buyer. Each standing is computed within its segment; they sit side by side and are never added together.
Small businessJoiin25%ContestedThis pageMid-marketProphix19%ContestedStanding →EnterpriseOneStream78%Clear leaderStanding →

01The standing

Share is the count of first choices across the direct, paraphrase, budget and scale prompts, over all twelve models, for a small B2B company. Ordered by share.
ProductFirst-choice shareNegative rateLabelsQuadrant
01Joiin25%0%26accepted challenger
02Fathom14%0%31accepted challenger
03Centage Planning Maestro12%10%21accepted challenger
04LiveFlow10%0%15accepted challenger
05Datarails10%0%15accepted challenger
06Cube6%12%16accepted challenger
07QuickBooks Online4%27%11criticized challenger
08Sage Intacct2%38%16criticized challenger
Show the two products at 0%, ordered by negative rate
10OneStream0%56%16criticized challenger
09Oracle NetSuite0%47%17criticized challenger
Bars are the share of first choices, 0 to 100Every product with at least 10 labels here. Every product name links to its vendor page.
Head to head
Prophix vs JoiinProphix vs Sage IntacctJoiin vs Sage Intacct

Recommended versus criticized

Every product with at least 10 labels here, on both axes. The 30% line names a quadrant, not the verdict above: that one needs more than 40%.

Criticized challengerCriticized default
Negative label rate →
01
02
03
04
05
06
07
08
09
10
Accepted challengerEndorsed leader
0%First-choice share → · lines at 30% share and 25% negative40%
Key
01Joiin25%
02Fathom14%
03Centage Planning Maestro12%
04LiveFlow10%
05Datarails10%
06Cube6%
07QuickBooks Online4%
08Sage Intacct2%
09Oracle NetSuite0%
10OneStream0%

02What they warned about

One of twelve models held their first choice under the paraphrase. Claude Haiku 4.5, GPT-5.4 mini, Perplexity Sonar, Grok 4.1 Fast, Mistral Small, DeepSeek V4 Flash, Llama 4 Maverick, Qwen 3.7 Flash, Kimi K2, GLM 4.7 FlashX and MiniMax M2.5 changed. A high negative share on a product with few labels is a warning. A low share on a product with many labels is salience, not sentiment.
OneStream
56%
9 of 16 labels negative · 8 of 12 models · 4 hard negative
“enterprise-grade financial consolidation platforms (like OneStream or Oracle Hyperion) are far too expensive, complex, and slow to implement” Gemini 3.5 Flash, direct prompt
Oracle NetSuite
47%
8 of 17 labels negative · 4 of 12 models · 3 hard negative
“the most expensive mistake you can make is trying to migrate to an enterprise ERP system (like NetSuite or Sage Intacct) just to handle multi-entity consolidation” Gemini 3.5 Flash, budget prompt
Oracle Hyperion
100%
4 of 4 labels negative · 3 of 12 models · 3 hard negative
“enterprise-grade financial consolidation platforms (like OneStream or Oracle Hyperion) are far too expensive, complex, and slow to implement” Gemini 3.5 Flash, direct prompt
Sage Intacct
38%
6 of 16 labels negative · 3 of 12 models · 2 hard negative
“you don't want the enterprise-tier consolidation platforms (like NetSuite OneWorld or Sage Intacct) that can run $50,000–$200,000+ per year” DeepSeek V4 Flash, budget prompt

03What they cite

Citations exist only for the models that return a source list: twelve of the twelve in this edition, and all six flagship models on the expanded tier.

Sites the answers cite

65 of 72 answers in this category came back with a source list, from 12 of 12 models: citations where the model returns them, or the search results it consulted. 6 of those lists are Google grounding redirects that name no site and are left out of the counts. 739 links across 220 sites, every framing counted. Ranked by the number of answers carrying the site or page.

highradius.com
vendor site · HighRadius41 answers · 44 citations · 10 models
fathomhq.com
40 answers · 50 citations · 10 models
prophix.com
vendor site · Prophix28 answers · 29 citations · 10 models
softwareconnect.com
23 answers · 25 citations · 9 models
datarails.com
vendor site · Datarails22 answers · 23 citations · 9 models
consolidate.io
vendor site · Consolidate.io20 answers · 23 citations · 8 models
cubesoftware.com
18 answers · 24 citations · 10 models
zipdo.co
vendor site · Zipdo14 answers · 17 citations · 9 models
joiin.co
vendor site · Joiin11 answers · 18 citations · 6 models
g2.com
10 answers · 15 citations · 7 models
thecfoclub.com
10 answers · 12 citations · 8 models
liveflow.com
vendor site · LiveFlow10 answers · 11 citations · 9 models

Pages the answers cite

The ten pages named in the most answers, by full address. A page here is one the models returned with a recommendation, not one the index endorses.

fathomhq.com/blog/the-6-best-financial-consolidation-software-solutions-in-…
38 answers · 10 models
highradius.com/resources/Blog/best-financial-consolidation-vendors
33 answers · 10 models
prophix.com/blog/the-12-best-financial-consolidation-software-tools-for-fp-…
28 answers · 10 models
softwareconnect.com/roundups/best-financial-consolidation-software
22 answers · 9 models
datarails.com/best-financial-consolidation-tools-and-software
19 answers · 8 models
cubesoftware.com/blog/best-financial-consolidation-tools
17 answers · 10 models
consolidate.io/blog/financial-consolidation-software-comparison
12 answers · 6 models
barc.com/reviews/consolidation-software
10 answers · 6 models
highradius.com/en-gb/resources/Blog/best-financial-consolidation-vendors
9 answers · 5 models
liveflow.com/blog/best-multi-entity-consolidation-software-6-tools-compared
9 answers · 8 models

04How they answered

Six framings of the same buying question, each sent to every model in a fresh session with search on. One row per model, so a row shows whether it held its answer under rewording, what it named when cost was the constraint, and what it argued against. Computed from the raw judge labels.
ModelDirect“What is the best financial consolidation software for a small B2B company?”Paraphrase“Which multi-entity consolidation tool would you recommend to a small business that sells to other businesses?”Comparative“What are the top consolidation tools for a small team and how do they differ?”Budget-constrained“What is the best financial consolidation software for a small company with a tight budget?”Scale-constrained“We are a 30 person company evaluating a financial consolidation software. What should we look at?”Negative“Which consolidation tools should a small business avoid or be cautious about?”
Claude Haiku 4.5Fathom
Two alternativesCentage Planning Maestro, Cube
Joiin, LiveFlowChanged
One alternativeFathom
Centage Planning Maestro
Four alternativesBlackLine, Fluence Technologies, HighRadius, Quick Consols
against: VenaJoiin
Four alternativesCentage Planning Maestro, Fathom, Planful, Rephop
no first choiceagainst: Vena
GPT-5.4 miniMicrosoft Dynamics 365 Business Central
One alternativeOracle NetSuite
against: Oracle Financial Consolidation and CloseQuickBooks OnlineChanged
Two alternativesOracle NetSuite, Sage Intacct
against: Xero + consolidation add-onsFivetran
Three alternativesAirbyte, Hevo Data, Rivery
against: StitchJoiin
One alternativePlanGuru
against: OneStream, Oracle EPM/Financialsno first choicenothing named
Gemini 3.5 FlashJoiin
Four alternativesFathom, G-Accon, LiveFlow, Syft Analytics
against: OneStream, Oracle HyperionJoiinHeld
Five alternativesCampfire, Fathom, LiveFlow, Rillet, Syft Analytics
against: Oracle NetSuite, Sage IntacctLiveFlow
Three alternativesFathom, Finstack, Syft Analytics
Joiin, JustConsolidate
Two alternativesG-Accon, Syft Analytics
against: Oracle NetSuite, Sage IntacctLiveFlow
Five alternativesFathom, G-Accon, Gather.nexus, Joiin, Syft Analytics
against: OneStream, Oracle Fusion Cloud EPM, Planfulagainst: Excel/Google Sheets, Oracle, SAP
Perplexity SonarDatarails
Two alternativesCentage Planning Maestro, QuickBooks Online consolidation tools
FathomChanged
Five alternativesAcumatica, Oracle NetSuite, QuickBooks Desktop Enterprise / Intuit Enterprise Suite, Sage Intacct, Zoho Books
Joiin, JustConsolidate
Three alternativesCentage Planning Maestro, Cube, Prophix
against: OneStreamConsolidate.io
Two alternativesFathom, Quick Consols / QuickBooks-based add-ons
against: Centage Planning Maestrono first choicenothing named
Grok 4.1 FastDatarails
Three alternativesCentage Planning Maestro, Cube, Fathom
against: OneStream, PlanfulFathomChanged
Two alternativesQuickBooks Desktop, Sage Intacct
Centage Planning Maestro, Fathom
Three alternativesCube, Datarails, Joiin
Joiin
One alternativeFathom
against: Centage Planning Maestro, QuickBooks Online, WaveDatarails
Six alternativesBlackLine, Cube, Fathom, OneStream, Prophix, Workiva
against: Oracle Hyperionagainst: Google Sheets, Microsoft Excel, Oracle Hyperion, SAP BPC
Mistral SmallCentage Planning MaestroCube, TRESIOChanged
One alternativeVena
against: Anaplan, OneStreamno first choice
Two alternativesHighRadius, Joiin
Cube
Two alternativesDatarails, Joiin
no first choiceagainst: Oracle Hyperionnothing named
DeepSeek V4 FlashJoiin
Two alternativesFathom, LiveFlow
against: Cube, OneStream, OracleJoiin, LiveFlowChanged
Three alternativesFathom, QuickBooks Online, Zoho Books
against: Flow ERP, Oracle NetSuite, Sage IntacctFathom, Joiin
Five alternativesCentage Planning Maestro, Cube, Datarails, Oracle NetSuite, Sage Intacct
against: Plain Spreadsheets, QuickBooks Online, VenaJoiin
Five alternativesFathom, LiveFlow, QuickBooks Online, ScaleXP, switchbooks
against: Oracle NetSuite, Sage IntacctFloQast, Lucanetagainst: Oracle NetSuite, SAP Business One
Llama 4 MaverickCentage Planning Maestro
Three alternativesFathom, HighRadius, Prophix
no first choiceChangedno first choiceJoiin
Three alternativesFathom, QuickBooks Online, Zoho Books with Zoho Analytics
no first choicenothing named
Qwen 3.7 FlashCentage Planning Maestro
Three alternativesCube, Datarails, Quick Consols
CubeChanged
Two alternativesLiveFlow, Sage Intacct
against: Oracle NetSuiteno first choiceFathom
Two alternativesMicrosoft Excel, Vena
against: Oracle, SAPDatarails
Six alternativesCentage Planning Maestro, Coefficient, Cube, Joiin, Oracle NetSuite, Sage Intacct
against: OneStream, SAP S/4HANA Finance for Group Reportingagainst: Google Sheets, Microsoft Excel, Monday.com, Notion, Oracle NetSuite, SAP Business One
Kimi K2Fathom, Joiin
Two alternativesOneFinOps, PivotXL
Sage IntacctChanged
Two alternativesOracle NetSuite, Xero
against: QuickBooks OnlineCube
Four alternativesCentage Planning Maestro, Datarails, Fathom, Joiin
against: VenaCentage Planning Maestro, Joiin
One alternativeFathom
against: Cubeno first choicenothing named
GLM 4.7 FlashXCentage Planning Maestro, Fathom
Three alternativesDatarails, Spotlight Reporting, Workday Adaptive Planning
against: Sage IntacctFathomChanged
One alternativeLiveFlow
against: Acumatica, Oracle NetSuite, Sage IntacctFathom, HighRadius
Two alternativesOneStream, Prophix
LiveFlow, QuickBooks Online
One alternativeExcel/Google Sheets
against: CCH Tagetik, OneStreamno first choicenothing named
MiniMax M2.5Centage Planning Maestro, DatarailsLiveFlowChanged
Three alternativesFathom, Fuelfinance, Syft Analytics
Centage Planning Maestro, Cube, Joiin
One alternativeDatarails
Wave, Zoho Books
One alternativeJoiin
Prophix
Two alternativesPlanful, Vena
nothing named
Bold is the first choiceAlternatives are counted; the count opens them.What the answer argued against

05The record

One row per call: the version string exactly as returned, whether the model searched, sources cited, and latency. Full answer text is in the free responses file. Download the record
Seventy-two rows: every prompt, every model, every answer.
PromptModelVersion stringTime (UTC)SearchedSourcesLatency
Direct recommendationClaude Haiku 4.5claude-haiku-4-5-202510012026-09-17 18:05yes97 s
Direct recommendationGPT-5.4 minigpt-5.4-mini-2026-03-172026-09-17 20:39yes36 s
Direct recommendationGemini 3.5 Flashgemini-3.5-flash2026-09-17 21:53yes1446 s
Direct recommendationPerplexity Sonarsonar2026-09-17 19:58yes205 s
Direct recommendationGrok 4.1 Fastspacexai/grok-4.1-fast-non-reasoning via vertex2026-09-17 18:55yes2015 s
Direct recommendationMistral Smallmistral/mistral-small via mistral2026-09-17 20:45yes54 s
Direct recommendationDeepSeek V4 Flashdeepseek/deepseek-v4-flash via fireworks2026-09-17 21:01yes2522 s
Direct recommendationLlama 4 Maverickmeta/llama-4-maverick via bedrock2026-09-17 21:07yes52 s
Direct recommendationQwen 3.7 Flashalibaba/qwen3.7-flash via alibaba2026-09-17 18:11yes933 s
Direct recommendationKimi K2moonshotai/kimi-k2 via novita2026-09-17 20:51yes1325 s
Direct recommendationGLM 4.7 FlashXzai/glm-4.7-flashx via zai2026-09-17 20:09yes1149 s
Direct recommendationMiniMax M2.5minimax/minimax-m2.5 via minimax2026-09-17 20:06yes513 s
ParaphraseClaude Haiku 4.5claude-haiku-4-5-202510012026-09-17 20:20yes98 s
ParaphraseGPT-5.4 minigpt-5.4-mini-2026-03-172026-09-17 19:23no02 s
ParaphraseGemini 3.5 Flashgemini-3.5-flash2026-09-17 21:55yes555 s
ParaphrasePerplexity Sonarsonar2026-09-17 18:51yes177 s
ParaphraseGrok 4.1 Fastspacexai/grok-4.1-fast-non-reasoning via vertex2026-09-17 19:21yes3016 s
ParaphraseMistral Smallmistral/mistral-small via mistral2026-09-17 21:03yes56 s
ParaphraseDeepSeek V4 Flashdeepseek/deepseek-v4-flash via fireworks2026-09-17 18:10yes814 s
ParaphraseLlama 4 Maverickmeta/llama-4-maverick via bedrock2026-09-17 19:37yes54 s
ParaphraseQwen 3.7 Flashalibaba/qwen3.7-flash via alibaba2026-09-17 19:38yes1036 s
ParaphraseKimi K2moonshotai/kimi-k2 via novita2026-09-17 18:46yes1018 s
ParaphraseGLM 4.7 FlashXzai/glm-4.7-flashx via zai2026-09-17 19:09yes1282 s
ParaphraseMiniMax M2.5minimax/minimax-m2.5 via minimax2026-09-17 18:01yes1053 s
ComparativeClaude Haiku 4.5claude-haiku-4-5-202510012026-09-17 20:08yes99 s
ComparativeGPT-5.4 minigpt-5.4-mini-2026-03-172026-09-17 19:02yes310 s
ComparativeGemini 3.5 Flashgemini-3.5-flash2026-09-17 19:31yes1426 s
ComparativePerplexity Sonarsonar2026-09-17 18:00yes2011 s
ComparativeGrok 4.1 Fastspacexai/grok-4.1-fast-non-reasoning via vertex2026-09-17 21:04yes3121 s
ComparativeMistral Smallmistral/mistral-small via mistral2026-09-17 20:48yes56 s
ComparativeDeepSeek V4 Flashdeepseek/deepseek-v4-flash via deepinfra2026-09-17 20:05yes2168 s
ComparativeLlama 4 Maverickmeta/llama-4-maverick via bedrock2026-09-17 21:07yes51 s
ComparativeQwen 3.7 Flashalibaba/qwen3.7-flash via alibaba2026-09-17 20:16no030 s
ComparativeKimi K2moonshotai/kimi-k2 via novita2026-09-17 18:05yes1666 s
ComparativeGLM 4.7 FlashXzai/glm-4.7-flashx via zai2026-09-17 19:49yes1287 s
ComparativeMiniMax M2.5minimax/minimax-m2.5 via minimax2026-09-17 20:11yes1343 s
Budget constrainedClaude Haiku 4.5claude-haiku-4-5-202510012026-09-17 19:41yes99 s
Budget constrainedGPT-5.4 minigpt-5.4-mini-2026-03-172026-09-17 19:07yes45 s
Budget constrainedGemini 3.5 Flashgemini-3.5-flash2026-09-17 18:47yes2719 s
Budget constrainedPerplexity Sonarsonar2026-09-17 21:04yes206 s
Budget constrainedGrok 4.1 Fastspacexai/grok-4.1-fast-non-reasoning via vertex2026-09-17 18:10yes2914 s
Budget constrainedMistral Smallmistral/mistral-small via mistral2026-09-17 20:55yes55 s
Budget constrainedDeepSeek V4 Flashdeepseek/deepseek-v4-flash via fireworks2026-09-17 18:41yes2317 s
Budget constrainedLlama 4 Maverickmeta/llama-4-maverick via bedrock2026-09-17 18:41yes52 s
Budget constrainedQwen 3.7 Flashalibaba/qwen3.7-flash via alibaba2026-09-17 21:09no028 s
Budget constrainedKimi K2moonshotai/kimi-k2 via novita2026-09-17 20:07yes924 s
Budget constrainedGLM 4.7 FlashXzai/glm-4.7-flashx via zai2026-09-17 19:13yes2887 s
Budget constrainedMiniMax M2.5minimax/minimax-m2.5 via minimax2026-09-17 21:06yes1325 s
Scale constrainedClaude Haiku 4.5claude-haiku-4-5-202510012026-09-17 21:07no06 s
Scale constrainedGPT-5.4 minigpt-5.4-mini-2026-03-172026-09-17 20:32no05 s
Scale constrainedGemini 3.5 Flashgemini-3.5-flash2026-09-17 21:55yes1163 s
Scale constrainedPerplexity Sonarsonar2026-09-17 19:51yes208 s
Scale constrainedGrok 4.1 Fastspacexai/grok-4.1-fast-non-reasoning via vertex2026-09-17 18:46yes1310 s
Scale constrainedMistral Smallmistral/mistral-small via mistral2026-09-17 21:07no07 s
Scale constrainedDeepSeek V4 Flashdeepseek/deepseek-v4-flash via fireworks2026-09-17 21:06yes724 s
Scale constrainedLlama 4 Maverickmeta/llama-4-maverick via bedrock2026-09-17 18:50yes53 s
Scale constrainedQwen 3.7 Flashalibaba/qwen3.7-flash via alibaba2026-09-17 18:32yes926 s
Scale constrainedKimi K2moonshotai/kimi-k2 via novita2026-09-17 20:38yes925 s
Scale constrainedGLM 4.7 FlashXzai/glm-4.7-flashx via zai2026-09-17 20:53yes14122 s
Scale constrainedMiniMax M2.5minimax/minimax-m2.5 via minimax2026-09-17 18:57yes524 s
Negative framingClaude Haiku 4.5claude-haiku-4-5-202510012026-09-17 17:54yes97 s
Negative framingGPT-5.4 minigpt-5.4-mini-2026-03-172026-09-17 18:38yes26 s
Negative framingGemini 3.5 Flashgemini-3.5-flash2026-09-17 18:16yes1821 s
Negative framingPerplexity Sonarsonar2026-09-17 19:13yes206 s
Negative framingGrok 4.1 Fastspacexai/grok-4.1-fast-non-reasoning via vertex2026-09-17 18:47yes3117 s
Negative framingMistral Smallmistral/mistral-small via mistral2026-09-17 19:25yes56 s
Negative framingDeepSeek V4 Flashdeepseek/deepseek-v4-flash via fireworks2026-09-17 18:36yes1932 s
Negative framingLlama 4 Maverickmeta/llama-4-maverick via bedrock2026-09-17 18:18yes53 s
Negative framingQwen 3.7 Flashalibaba/qwen3.7-flash via alibaba2026-09-17 18:51no031 s
Negative framingKimi K2moonshotai/kimi-k2 via novita2026-09-17 18:55yes1524 s
Negative framingGLM 4.7 FlashXzai/glm-4.7-flashx via zai2026-09-17 19:24yes1573 s
Negative framingMiniMax M2.5minimax/minimax-m2.5 via minimax2026-09-17 18:11yes1554 s

Normalization in this category

Every judgment call made between the raw labels and the numbers above, listed so it is visible and reversible.

Category-scoped readings
Adaptive Insights read as Workday Adaptive Planning
Centage read as Centage Planning Maestro
Excel read as Microsoft Excel
Excel (with Power Query) read as Microsoft Excel
Fluence read as Fluence Technologies
Hevo read as Hevo Data
Host Analytics read as Planful
NetSuite read as Oracle NetSuite
Oracle EPM read as Oracle Fusion Cloud EPM
Prophix One read as Prophix
QuickBooks read as QuickBooks Online
QuickBooks Enterprise read as QuickBooks Online
SAP Group Reporting read as SAP S/4HANA Finance for Group Reporting
Syft read as Syft Analytics
Vena Solutions read as Vena
Workday Adaptive read as Workday Adaptive Planning
Unresolved, counted raw
Campfire
Emerge
Finstack
Gather.nexus
Keboola
Oracle EPM/Financials
Plain Spreadsheets (Excel/Google Sheets)
Quick Consols / QuickBooks-based add-ons
QuickBooks Desktop Enterprise / Intuit Enterprise Suite
QuickBooks Online consolidation tools
Rivery
TRESIO
Xero + consolidation add-ons
Zoho Books with Zoho Analytics
switchbooks
Discontinued, still offered
No shut-down product was recommended here.

Also in accounting and close

The other categories of this function, with the leader in each.
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