Money clarity for independent restaurants

Know your true cost. Master your cash flow.

Folio turns the numbers you already have into clear decisions—what you spend, what each item earns, and what your business can afford next.

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Three questions every owner knows.

A week at a bagel shop in three 10‑second clips, and what Folio shows instead.

Use case 1Transactions

When are you going to do the books?

Connect your bank and cards, and Folio sorts every transaction into restaurant categories like ingredients, supplies, utilities, and bank fees. Check its suggestions in one pass until nothing is left to review.

  • Suggested categories you confirm in one pass
  • Rules that learn your vendors
  • Transfers and duplicates caught
  • PDF and CSV reports for your accountant

Use case 2Cash flow

$3,882 leaves your account soon.

Folio lines up rent, payroll, supplies, and insurance against the money coming in, so you see a tight week before it arrives instead of after.

  • Money in and money out by month
  • Upcoming bills at a glance
  • A warning when spending outpaces income
  • This month compared with last

Use case 3Item cost

Are you charging enough for this?

Build an item from its ingredients, add packaging, labor, and overhead, and Folio shows the true cost and margin per serving. When an ingredient’s price changes, the cost updates with it.

  • Recipe and per-serving costing
  • Labor and overhead included
  • Costs that follow ingredient prices
  • Import a recipe from a photo or PDF
Try the cost demo

What is this item really making you?

Choose a product, adjust its selling price, and watch the margin respond. The demo uses example data.

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Cost model

Almond croissant

Live example
$4.20
$1.71$12.00

Ingredients

$0.86

Labor

$0.36

Overhead

$0.24

True item cost

$1.46

Profit per item

$2.74

Gross margin

65.2%Healthy margin

Small details that protect your margin.

Delivery reconciliation

Match settlement uploads from DoorDash, Uber Eats, and Fantuan to the bank deposit.

Vendor price creep

See recurring supplier costs change over time so a slow increase does not stay invisible.

Cash runway

Understand how long current cash can support your present level of spending.

Prime cost trend

Track food plus labor as a percentage of revenue in one clear dashboard.

AI recipe import

Turn a photo or typed description into structured recipe ingredients with less manual entry.

PDF and CSV reports

Export transaction reports with your logo and date range for your accountant, a lender, or tax prep.

Why item-level accuracy matters

If one popular drink is underpriced by $0.60, small misses can compound into thousands over a year.

Illustrative scenario—not a customer result.

Know the number
behind every decision.

Start with 14 days free. See your spend, product costs, and cash picture in one place.