SmartBill + Saga: The Local Combo Holding You Back
If you're an entrepreneur in Romania, you probably use this: SmartBill for invoices, Saga for accounting, a CRM (or Excel) for clients, Gmail for email, WhatsApp on your phone. 5 applications. 5 logins. Zero integration. And a lot of wasted time moving data from one to another.
How your day looks right now
Morning: you open SmartBill, issue 3 invoices. Then you open Saga, enter the same 3 invoices into accounting. Then you open the Excel with clients, note that you sent the invoices. Then you open Gmail, send the invoice by email. Then you open WhatsApp, message the client "I sent you the invoice by email".
The exact same information — an invoice — entered 5 times in 5 different places. When something changes (client changes address, invoice reversal), you modify it in 5 places. Or you forget. And then you have discrepancies.
How much the local combo really costs you
The real cost: SmartBill + Saga + CRM + Email + Chat
- SmartBill Management: 24€/month
- Saga Web (5 TINs): 20€/month
- HubSpot CRM Starter (5 users): 100€/month
- Google Workspace (5 users x 7€): 35€/month
- Slack Pro (5 users x 8€): 40€/month
- Total: ~219€/month — WITHOUT integration between them
Plus: 2-3 hours wasted DAILY on manual data re-entry.
IMFS One Starter Cost (5 users)
- Starter Plan: 99€/month (quarterly)
- Total: 99€/month — EVERYTHING integrated, zero re-entry
CRM + Billing + e-Invoice + Accounting + Saga Import + Chat + AI. A single login.
The real problem: data doesn't communicate
SmartBill doesn't know what you have in Saga. Saga doesn't know what you have in the CRM. The CRM doesn't know what invoices you issued. The Email doesn't know a client exists. WhatsApp knows nothing.
The result: when a client calls you and asks "what unpaid invoices do I have?", you open SmartBill, search, check in Saga, compare with the bank statement. 10 minutes for a question that should have an instant answer.
In IMFS, the answer is on the screen: the client's file in the CRM shows invoices, payments, balance, conversations, emails, calls — everything. One click.
But Saga is the "standard"...
Yes, Saga is the most used accounting software in Romania. It has worked for 20+ years. Your accountant knows it by heart. We don't contest that.
That's why we built a native bridge based on the Saga Firebird database. Your accountant imports the chart of accounts, trial balance, and accounting notes from Saga into IMFS in under 30 minutes. They continue with the same accounts, the same balances — but now with automatic e-Invoice, AI bank reconciliation, and instant reports.
We don't force them to forget Saga. We assist them to move forward.
What you gain when you switch to a single ecosystem
Zero re-entry
Issue the invoice from the CRM → the accounting note is generated automatically → e-Invoice goes to ANAF → the client receives an email. One click.
2-3 hours gained daily
Stop moving data between applications. Stop checking discrepancies. Stop searching for information in 5 places.
AI that works on ALL data
The AI sees the CRM, ERP, accounting, emails, calls — and gives you insights that 5 separate apps cannot.
A single support channel
Have a problem? You call IMFS. Not SmartBill + Saga + HubSpot + Google + Slack.
Comparative table
| Criteria | RO Combo | IMFS One |
|---|---|---|
| Logins | 5 separate | 1 |
| Billing + e-Invoice | SmartBill | Natively integrated |
| Accounting | Saga (separate) | Native + Saga import |
| CRM | HubSpot / Excel | Native with AI scoring |
| Business email | Google Workspace | Included (from Professional) |
| Team chat | Slack | Connect (included for all) |
| Module integration | Zero | 100% native |
| AI | No | 12 agents, local |
| Time wasted/day | 2-3 hours | ~0 |
| 5 users cost | ~219€/month | 99€/month |
Conclusion
SmartBill + Saga + CRM + Email + Chat = 5 apps that don't talk, for 219€/month + 2-3 hours wasted daily. IMFS One = everything in a single ecosystem, for 99€/month, with Saga import included. The math is simple.