Windows desktop software for independent agencies
Sweep Reconcile matches carrier ACH sweeps to the premiums your employees recorded, flags anything uncertain, and shows your real equity — not your bank balance, your real equity.
The problem
Some sweep next-day. Some take four days. Some batch every payment into one ACH pull. Some draft individually. Some do something different every week.
The ACH descriptions identify the carrier, but not which specific payments have been cleared. You see money leave, but not what it represents.
Most agencies just carry a buffer and hope for the best. That buffer is your money sitting idle because you can't trust the answer you'd need to move it.
Your agency management system won't tell you. A spreadsheet might — only if you maintain it perfectly and never make a data-entry error.
Sweep Reconcile was built for this one problem. It learns your carriers' ACH patterns, matches sweeps to payments with exact logic, and shows you the real answer: how much of the money in that account is yours, and how much is still owed to carriers waiting to sweep.
See how it worksHow it works
Everything runs on one Windows PC in your office. No logins, no subscriptions, no third-party data access.
Staff record each payment on a simple screen accessible from any device on your office network. Seconds per entry, nothing to install on their machines.
Download activity from your bank and drop it in. The column mapper handles most common formats. This is the only manual step the owner takes on a regular basis.
ACH descriptions identify the carrier. Only exact matches are committed. Anything uncertain is flagged for your review — the app never guesses.
One screen shows your bank balance, what's still carrier money waiting to be swept, and your actual equity. If anything is off, you'll see it.
What's in the app
No guesses. No fuzzy matching. A missed match is fixable. A wrong match corrupts everything downstream.
For every carrier, you can see exactly how much premium you've collected that they haven't swept out yet. That's your outstanding obligation — money in your account that isn't yours.
Only items the app couldn't resolve automatically reach you. Once you identify an unknown ACH description, the app remembers it for every future import.
Who it's for
This is not accounting software. It answers one specific question that no other tool in most agencies answers cleanly.
Specifically for agencies that collect customer premium payments into a single sweep account that carriers pull from via ACH. If your bank account sees a dozen different carriers moving money through it, this was built for you.
Sweep Reconcile does not do invoicing, payroll, or general ledger. It reconciles your carrier sweep account. That's all. If you already have good tools for everything else, this fills the one gap they leave.
Installs on one Windows PC. Employees access the payment entry screen from any browser on the office network — nothing to install on their machines. Runs entirely offline after setup.
Every decision in this app comes from the reality of running an office that collects premium from customers and watches a dozen carriers pull it back out on their own schedule. Not a theoretical problem.
Employee experience
They get one small window on their screen. Carrier, amount, done. The owner sees everything; employees see only what they need.
Staff open a browser on any PC, tablet, or phone on the office network. No install, no login, no training required. Select the carrier, enter the amount, hit Record Payment.
The full view shows today's entries alongside the form so staff can catch their own mistakes before they leave the desk.
Everything recorded here flows directly into the owner's reconciliation. No manual transfer, no spreadsheet hand-off.
Pricing
No monthly fee. No SaaS account. The software runs on your hardware and does not depend on our servers to keep working after you buy it.
Windows installer delivered by email right after checkout. No waiting.
Licensed to your agency name. Works without an internet connection once activated.
Questions go to support@sweepreconcile.com. If your bank CSV won't work, we'll fix it or refund you.
FAQ
Independent insurance agencies that collect customer premium payments into a sweep account that carriers pull from via ACH. If your bank account regularly sees ACH debits from multiple carriers pulling out premiums, this is built for your situation.
No. You download a CSV from your bank and import it. Employees enter payments manually. No bank logins, no API connections, no third-party data sharing of any kind.
The app includes a column mapper that handles most common bank export formats. If yours still won't map, email us at support@sweepreconcile.com — we'll either fix it or refund your purchase. That's the refund promise.
No. The app runs on one Windows PC. Employees open a browser on any other PC, tablet, or phone that's on your office network. Nothing to install on their machines.
No. It's a one-time $99 purchase. The license is perpetual and offline. The app will keep working whether or not we're running a server somewhere.
It stays in a local SQLite file on your PC. Nothing is sent to us. No cloud backups, no analytics, no phone-home checks. Your financial data never leaves your office network.
The app only commits an exact match. It won't guess or use fuzzy logic. If it can't confidently match a bank row to a carrier sweep, it flags it for your review instead. A missed match is fixable. A wrong match silently corrupts your balance — so the app never makes one.
Buy Sweep Reconcile and get a real answer from your sweep account.