11 Best AI Agents for Finance Teams in 2026

Quick Summary

Finance operations have a reputation for being tedious and, oftentimes, complex. The best AI agents for finance make it easier. Instead of hiring more analysts or AR specialists, teams are using AI to handle repetitive tasks, including invoice follow-ups, anomaly detection, forecasting, and expense reviews.

If you’re looking for AI agents to ease your work and are in a time crunch, here are the top 3:

Why AI Agents Matter for Finance Teams

Most finance teams don’t have a software problem. They have a time problem.

For example, many accounts receivable (AR) teams spend significant time manually chasing invoices. Financial planning & analysis (FP&A) teams rebuild spreadsheets every month. Controllers spend days reconciling data that should already match. 

All that is time that could be better invested in other aspects of moving the organization forward.

This is where AI agents save the day. They help finance teams by:

• Continuously monitoring systems
• Automating repetitive processes
• Adapting based on context (not static rules)
• Escalating exceptions instead of flooding dashboards

In short, they remove the busywork so humans can focus on decisions.

Why Trust Us

At Lunos, we spent years watching finance teams struggle with the same frustrating bottleneck: accounts receivable isn't really a payment problem. It's a communication problem.

We’ve worked with finance teams handling anywhere from 500 to 50,000 invoices per month and understand what real automation looks like. Too many AR automation tools automate reminders but still rely on constant manual follow-up. 

So when we compare AI agents for finance, we’re not guessing. 

11 Best AI Agents for Finance Teams Ranked and Compared

1. Lunos

Best AI Agent for Accounts Receivable Teams

Lunos AI is an AI coworker built specifically for B2B accounts receivable teams. Instead of just sending reminders, it manages the entire receivables workflow.

Lunos frees up your team’s time by following up on invoices, reading and understanding customer replies, tracking payment promises, and escalating disputes when human input is required.  For example, if a customer says, “We’ll pay next Tuesday,” Lunos records the commitment, adjusts future follow-ups automatically, and reflects that expected payment in cash forecasts.

Unlike traditional AR or dunning tools, Lunos adapts to context. Communication is personalized based on relationship history and real-time responses, so follow-ups feel human rather than automated.

Finance teams stay in control through three autonomy modes: Monitor, Suggest, and Act. Plus, everything runs inside Slack, so there’s no new system to learn.

Teams using Lunos typically see about a 75% reduction in AR workload, freeing up their time to focus on more strategic work that moves the business forward.

Key features

• Two-way conversational AI for AR
• Automatic tracking of payment promises and disputes
• Slack-native workflows and approvals
• ERP, CRM, and accounting integrations
• Full audit trails for compliance

Pros

• Handles real AR conversations, not just reminders
• Reduces manual AR work by up to 75%
• Improves cash visibility and forecasting

Cons

• Pricing not publicly listed
• Requires integrations for full value

Best for: B2B finance teams that want end-to-end AR automation

Pricing: Free plan available, custom pricing based on volume

2. Vic.ai

Best AI Agent for Accounts Payable Automation

Vic.ai uses machine learning to automatically code invoices, detect anomalies, and flag transactions that don’t look right. Instead of reviewing everything, your team reviews only what matters. And the more invoices Vic.ai processes, the better it gets.

Vic.ai is best suited for mid-market and enterprise environments with high invoice volume, complex vendor relationships, and strict controls. It’s less about speed for startups and more about accuracy and confidence at scale.

Vic.ai doesn’t try to do AR or forecasting. It stays firmly in AP and does that job very well.

Key features

• Automated invoice coding
• Anomaly and fraud detection
• Vendor behavior analysis
• Deep ERP integrations

Pros

• Significantly reduces manual AP review
• Strong anomaly detection that improves over time
• Well-suited to complex environments

Cons

• No AR or collections support
• Enterprise-style pricing and setup

Best for: Accounting teams that want AI-driven AP automation without sacrificing control

Pricing: Custom

3. Datarails

Best AI Agent for FP&A Teams That Live in Excel

Datarails

Datarails is a platform that combines Excel workflows with AI-powered insights. It doesn’t replace your spreadsheets but wraps AI-powered automation around them. Its superpower is handling data consolidation, version control, forecasting, and reporting while allowing FP&A teams to keep their existing models and workflows intact.

This approach works especially well for teams with years of institutional knowledge baked into spreadsheets. Because of the Excel-native environment, Datarails reduces the risk of broken formulas, copy-paste errors, and inconsistent assumptions.

Key features

• Excel-native planning and forecasting
• Automated data consolidation
• Scenario modeling and variance analysis
• Board-level reporting

Pros

• Minimal workflow disruption
• Strong FP&A focus
• Faster forecasting cycles

Cons

• Not designed for AR or AP
• Requires disciplined modeling practices

Best for: FP&A teams focused on forecasting, budgeting, and reporting

Pricing: Custom

4. HighRadius

Best AI Agent for Enterprise AR and Credit Operations

Source

HighRadius is an AI agent designed to support large, global, and complex AR operations. The platform offers a suite of 180+ agents covering collections, credit management, and cash application. The Agent suite will identify high-risk accounts & those that are likely to pay. This will allow larger AR Teams to focus on the accounts that are most important.

However, this power comes at a cost. Implementation is heavy, and the platform can feel like overkill for smaller teams. But for large organizations with serious scale, HighRadius is a proven option.

Key features

• AI-driven collections prioritization
• Credit risk scoring and automation
• Cash application at scale
• Enterprise ERP integrations

Pros

• Extremely powerful for large AR teams
• Deep credit and collections functionality
• Well-established in enterprise finance

Cons

• Long implementation timelines
• Not a fit for small or mid-sized teams

Best for: Enterprise finance teams managing large AR and credit operations

Pricing: Enterprise/custom

5. Planful

Best AI Agent for Finance Leaders and Planning Cycles

Source

Planful provides AI-powered financial planning and reporting solutions that help automate planning and reporting processes. It also improves transparency among all of the different departmental groups within a company.

The tool brings budgeting, forecasting, consolidation, and reporting into a single platform. As a result, the reliance on disconnected spreadsheets and manual rollups is reduced. For finance leaders, Planful makes it easier to coordinate planning cycles across teams such as sales, operations, and HR. 

Key features

• Financial planning and forecasting
• Close and consolidation management
• Workforce planning
• Scenario modeling

Pros

• Strong cross-functional visibility
• Scales well with company growth
• Built for leadership-level planning

Cons

• Less agent-like than newer tools
• Setup can be complex

Best for: Finance leaders managing planning, close, and consolidation

Pricing: Custom

6. Stampli

Best AI Tool for AP Approvals and Visibility

Stampli

Stampli is an AI agent that fixes one very specific but very real problem: invoice approvals getting stuck. Instead of invoices bouncing between email threads and chat messages, Stampli centralizes all AP communication in one place. 

The AI captures invoice data and intelligently routes approvals. It also flags issues such as missing information or mismatches, and more, thereby reducing bottlenecks and improving visibility. AP teams know exactly where invoices stand, and approvers don’t have to hunt for context before clicking approve.

Key features

• AI-assisted invoice capture
• Centralized approval workflows
• ERP integrations

Pros

• Easy to adopt
• Improves transparency fast
• Reduces approval delays

Cons

• Limited beyond AP
• Not a full finance automation platform

Best for: AP teams that want faster approvals and fewer bottlenecks

Pricing: Custom

7. Ramp

Best AI Agent for Spend Control

Source

Ramp is an AI agent that’s all about stopping bad spending before it happens. It combines corporate cards, expense management, and real-time reporting into one platform. Transactions are automatically categorized, policies are enforced at the point of spend, and out-of-policy purchases get flagged immediately.

Ramp also surfaces insights that matter to finance teams, such as unused subscriptions or vendors with rising costs. Instead of reacting after the fact, finance teams can proactively reduce spend.

Key features

• Smart corporate cards
• Automated expense categorization
• Real-time spend insights

Pros

• Free to use
• Excellent UX
• Immediate cost-saving insights

Cons

• Spend-focused only
• No AR or forecasting tools

Best for: Startups and SMBs managing company spend

Pricing: Paid plans start at $15/user/month

8. Brex

Best AI Spend Platform for Scaling Companies

Source

Brex combines corporate cards, expense management, and policy enforcement into a single system that integrates seamlessly with your accounting tools. It’s an AI agent that helps you control your spending without slowing down your team. Spend limits and approvals are set automatically, reducing manual oversight without slowing teams.

Brex also offers a powerful analytics engine that helps finance leaders understand spending patterns and manage vendors more effectively. It’s particularly popular with fast-growing, VC-backed companies.

Key features

• AI-powered expense categorization
• Real-time policy enforcement
• Global spend management

Pros

• Scales well internationally
• Clean, modern interface
• Strong integrations

Cons

• Limited AR capabilities
• Best fit for venture-backed companies

Best for: Scaling companies with complex spend needs

Pricing: Paid plans start at $12/user/month

9. Cube

Best AI Agent for FP&A Teams That Want Governance in Excel

Source

Cube is an AI agent for finance teams who love working in Excel, but hate what comes with it (version chaos, broken links, etc.). Teams can use it to connect Excel to their live data sources, add automated approval processes, and provide version control. This means that the team can create a very flexible forecast model that will still be reliable, something that’s still a challenge with traditional forecasting models.

Cube also enables FP&A teams to run rolling forecasts, conduct scenario analysis, and build reports much faster than before. Additionally, it helps ensure organizations can maintain auditability and compliance requirements. 

Key features

• Excel-native planning
• Version control and approvals
• Forecast automation

Pros

• Fast adoption
• Familiar workflows
• Strong FP&A governance

Cons

• Not built for transactional workflows
• Requires spreadsheet discipline

Best for: FP&A teams that rely heavily on Excel

Pricing: Custom (starting around $32K/year)

10. BlackLine

Best AI Platform for Close and Reconciliation at Scale

Source

BlackLine’s AI agent is particularly effective at automating tedious tasks like account reconciliations, intercompany transactions, and close management. Transactions are matched automatically, discrepancies are flagged, and audit trails are maintained throughout the process.

The major advantage Blackline brings is shortening close cycles and reducing risk, especially for organizations with multiple entities and systems. However, the platform requires a serious setup and isn’t flexible for smaller teams.

Key features

• Automated account reconciliations
• Close management
• Audit-ready workflows

Pros

• Enterprise-grade reliability
• Strong compliance support

Cons

• Heavy implementation
• Not SMB-friendly

Best for: Enterprise accounting teams managing close and reconciliation

Pricing: Enterprise/custom

11. Zeni

Best AI Finance Ops Platform for Startups

Source

Zeni blends AI automation with human oversight to deliver something closer to a managed finance team than a pure software tool. 

The AI agent handles bookkeeping, reconciliation, reporting, and expense management automatically, while surfacing insights and forecasts in real time. Dedicated finance experts review complex transactions to ensure accuracy.

For early-stage companies that don’t want to build an in-house finance team, Zeni offers clarity and speed without heavy setup.

Key features

• AI-powered bookkeeping
• Real-time financial dashboards
• Expense management

Pros

• All-in-one finance operations
• Minimal setup required

Cons

• Less customizable
• Not built for complex enterprises

Best for: Startups that want AI-powered finance operations

Pricing: Starts at $494/month

Which AI Agent Is Right for Your Finance Team?

Choosing the right AI agent depends on where your finance team feels the most pain:

• If AR and collections slow cash flow, Lunos AI is designed to address this problem.
• If AP and invoice processing are eating up time, consider Vic.ai or Stampli.
• If forecasting and planning are the bottleneck, Datarails, Cube, or Mosaic are strong picks.
• If you’re managing spend and expenses, Ramp or Brex is the best option.

AI agents work best when they’re targeted. Start with one area, prove the impact, then expand.

Want to see what an AI agent can do for your accounts receivable?

Start for free with Lunos AI and see how an AI coworker can reduce AR workload while improving cash flow visibility.

FAQs on Best AI Agents for Finance Teams

1. What are AI agents for finance teams?

AI agents for finance teams are intelligent systems that monitor financial workflows, take automated actions, and adapt to context. They help automate tasks, reduce manual work, and improve accuracy.

2. What is the best AI agent for accounts receivable teams?

For B2B finance teams, Lunos AI is the best AI agent for accounts receivable. It acts as an AI coworker that:

• Manages follow-ups
• Reads customer responses
• Tracks commitments
• Integrates with ERPs and Slack 

Lunos helps reduce AR workload while scaling collections without adding headcount.

3. Are AI agents replacing finance professionals?

No. AI agents are designed to remove repetitive, low-value tasks, not replace finance teams. Most handle monitoring and execution, while humans focus on decision-making, strategy, and exception handling. The most effective teams use AI agents as force multipliers, not substitutes.

4. How should finance teams choose the right AI agent?

Start by identifying your biggest bottleneck. If slow collections impact cash flow, an AR-focused agent like Lunos AI is ideal. For AP automation, tools such as Vic.ai or Stampli are better suited. FP&A teams should look at Datarails or Cube. The best results come from solving one problem well, then expanding.

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