Tower Money
Financial management for companies
Tower Money is the Silva Tower product for a company's money: what comes in, what goes out, where it sits, what is owed, what is planned and what the result was. One organization holds one or more companies (CNPJs), each with its own books, read one by one or as a group.
The problem it solves
In many companies the money lives in spreadsheets, the bank's website and the accountant's inbox: bills are paid late or twice, nobody knows next month's cash position, and the month's result arrives weeks after it closed. Tower Money keeps every amount owed, paid and received in one ledger. Every settlement is an entry that is never edited — a correction is a reversal plus a new entry — reports are computed from those entries, and a closed month accepts no change.
What it does
Payables and receivables
Titles with installments, repetition and attachments; full or partial settlements with interest, fine and discount; a recurring monthly billing schedule; NF-e and NFS-e XML imported into draft payables; expense reports with a receipt per expense, and purchase requests.
Banks and reconciliation
Bank accounts, cash boxes and investments; OFX and CSV statements imported without duplicates; reconciliation with suggested matches a person confirms; transfers; cash flow realized and projected, with named scenarios over what is still open.
Results and planning
The management income statement on the accrual and the cash basis, per company or consolidated across the group; budget by account and cost center against actual; what each company has and owes on a date; results by cost center and project.
Taxes, assets and loans
A tax calendar with each obligation's due day; taxes withheld from suppliers (IRRF, PIS, COFINS, CSLL, INSS, ISS) turned into payables to the authority; fixed assets depreciated month by month; loans (Price or SAC) and investments.
Control and audit
Approval levels by amount before anything is paid, an append-only audit trail with before and after values, month closing per company, read-only access for the external accountant to closed months — with a pack per month — and time-limited access for an auditor.
API, webhooks and Tower Skopos
A product API with keys per organization and signed webhooks. Tower Skopos, the Silva Tower CRM, hands its active monthly contracts over as billing schedules and shows what was billed, received and is overdue.
Who it's for
- Small and mid-sized companies that run their finances in spreadsheets and want one place for them
- Finance teams that register, approve, pay, receive, reconcile and close the month
- Groups and holdings with several companies (CNPJs) to read one by one or together
- Companies on Tower Skopos that want their contracts billed without typing them twice
Frequently asked questions
What is Tower Money?
Financial management for companies: a multi-tenant system in which an organization controls the payables, receivables, banks, cash flow, results, budget, taxes and assets of one or more companies. It runs at money.silvatower.com, in Portuguese and English.
Is it an accounting or tax system?
No. Tower Money keeps management records: it does not do tax bookkeeping (SPED, ECD, ECF) and does not replace the accountant. It hands the accountant closed months instead — read-only access and a pack per closed month with the income statement, the entries and the balances.
Does Tower Money move money or connect to my bank?
No. It records and controls money: payments and receipts happen at the bank, and Tower Money records them. Statements come in as the OFX or CSV files you download from the bank, and reconciliation matches them with what was recorded.
Can a posted entry be changed?
Not edited or deleted: a correction is a reversal plus a new entry, and the audit trail keeps who did what, when, with the values before and after. A closed month accepts no change at all.
Does it work with Tower Skopos?
Yes. An administrator creates an API key in Tower Money and pastes it in Tower Skopos. From then on each monthly contract that becomes active in Skopos arrives as a billing schedule, ending it ends the schedule, and Skopos shows what was billed, received and is overdue. Billing each month remains a person's action in Tower Money.
How do I get started?
Create your organization at money.silvatower.com — you become its administrator — register your companies and invite your team. Plans are not on sale yet; to talk about using Tower Money in your company, get in touch with us.