Financial optimization
PilotEvery invoice, next to the factory price.
Spend, invoices, budgets, cash, cards and payments on one screen. Magic checks every invoice against the factory price and the work schedule, catches unnecessary spend and shows where your company can earn more.
From bank statement to proven savings
- 1
Data collection
Data comes from your company's accounting, bank and ERP.
- 2
Validation
Every line is checked for duplicates and errors.
- 3
Analysis
AI agents break spend down by category, project and supplier.
- 4
Opportunity search
Every line item is compared with the pooled-order price and with terms at other banks.
- 5
Comparison
Every line item is compared with the pooled-order price and with terms at other banks.
- 6
Recommendation
You get a recommendation with an amount attached.
- 7
Execution
Once you approve, the system carries out the decision.
- 8
Result check
A month later, the result is checked against actual invoices.
All of your company's money on one screen
Match before payment
Order, delivery note and invoice are matched line by line. Any gap goes to approval before money reaches the supplier
Real-time budget
For every project or department: plan, actuals, commitments and balance
Cash on schedule
Inflows and outflows are forecast from the work and purchasing schedule, not from last month
Corporate cards
Virtual and physical, with limits by project, crew, employee, category and supplier. The bank issues the cards, Magic sets the limit logic
Bill pay
Invoice → check → approval → payment → posting to the books. No manual entry
Payments and FX
Domestic and international supplier payments, bank terms side by side, and numbers to negotiate with
Financing inside the deal
Deferred payment terms of 30, 60 or 90 days, early payment, inventory and import financing. The bank makes the decision and provides the funds
Loss prevention
The system checks payments for duplicates, changed bank details and off-policy spend, and sends suspicious ones to approval before payment
Savings screen
For every line item: what you paid before, what you pay now and what made the difference
Four sources of savings the module is built on
Purchase price
Every invoice is compared with the pooled-order price and the landed cost. For a developer, materials are the largest line of direct costs, so the main impact lies in the price of what gets bought.
Contractor invoices
Each progress claim is checked against work verified on site before payment.
The cost of money
Deferred payment terms and a bank instrument tied to the deal count as a separate line of impact. Cash stays in the business instead of going to the factory as a prepayment.
Your own price base
Factory quotes and actual deliveries that build up in Magic deals.
The other half of savings is your revenue
The module looks at the revenue side too. It shows:
- inquiries and deals stuck without a reply, and hands them to AI sales agents;
- services your company can offer its own customers through banks: installments, mortgages, insurance;
- fit-out and services that buyers currently look for on their own.
Spend less. Earn more.
Pay for work done
Example. Figures are illustrative.
No payment leaves without a human
The card itself restricts supplier, category and amount. A suspicious payment goes to approval before it is made, not sorted out after the fact.
Amounts, limits and savings are calculated by code with auditable rules. AI prepares the proposal, a person makes the decision.
Magic doesn't hold funds, doesn't lend and never sees card numbers. Payments move between your company, its bank and the payee. The platform sits beside that path, not in it.
Savings with a calculation you can check
Source data comes from your company's invoices and payments, not from anyone's word. Impact is measured on two separate bases, purchase price and spend discipline, and adds up across four layers:
- 1
Direct savings
Price, freight, cost of money.
- 2
Finance team workload
Hours moved from people to the system.
- 3
Prevented losses
Duplicates, errors, contractor overpayments.
- 4
Management layer
Decisions made earlier because the numbers were visible earlier.
Every amount traces back to its source document. We don't promise a savings percentage up front: the number comes from the pilot, on your data.
Construction comes first. The module is designed for any company with purchasing and invoices
Construction
Project budget, contractor progress claims, crew cards, materials at the pooled-order price.
Hotels
Furniture, linen and consumables across the whole chain, renovation financing, spend per hotel.
Manufacturing
Raw materials and components, import letters of credit (L/C), cash planned from the production plan.
Retail and services
Suppliers, rent, subscriptions and employee cards under one control.
What each role gets
Owner
Every project and all the money in one place, with savings proven by your own invoices.
CFO
Cash on schedule and solid arguments for talks with the bank and suppliers.
Accounting
Invoices post themselves, and the month closes faster.
Project manager
Real-time project budget and crew cards with limits.
Procurement
Every invoice next to the pooled-order price.
Service and integration
| Solution category | What it does | What Magic adds alongside it |
|---|---|---|
| Corporate cards and spend control | Cards, limits, expense tracking | A project-level limit and the pooled-order price next to every expense |
| Bill pay systems | Receiving, approving and paying invoices | Invoices checked against the factory price, progress claims against verified work |
| Banking and payment services | Payments, cards, financing | Financing matched to a specific purchase deal |
Magic works on the largest line of spend: what the company buys.
Designed for your accounting and your bank
Magic connects to your company's ERP, accounting and banks. Systems with a confirmed connection are listed on the integrations page.
FAQ
Do we need to switch banks?
No. Magic is designed to work with the banks where your company already has accounts and credit lines, and shows terms at other banks alongside.
Can Magic see my money?
Magic sees invoices, limits and budgets. The money stays in your company's accounts at your bank.
How much will we save?
The number comes from the pilot, on your invoices. We don't promise a percentage up front.
Does the module fit a company outside construction?
Yes. It is designed for any company with purchasing and supplier invoices.
Can we start without cards?
Yes. The pilot starts with invoice matching and the savings screen. Cards come later.
Let's run the finance module on your invoices
Leave your details and a Magic manager will contact you to discuss a pilot of the module.
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