It’s like having a digital https://www.citybiz.co/article/785736/the-real-value-of-accounting-services-for-startups/ assistant that logs every moment you spend on tasks, ensuring nothing slips through the cracks. Whether you’re working on a project or managing clients, this feature keeps everything organized and accessible. However, if you choose to do your startup accounting manually, you will need to record all transactions in the general ledger. This includes income, expenses, deductions, and any other transactions or financial records. Manual accounting requires inputting all financial transactions into a spreadsheet or tracking method.

Banking-as-a-Service & Embedded Banking APIs

It is often adopted by teams that want stronger FP&A discipline without forcing a complete tooling overhaul. Teampay is a distributed spend management platform focused on pre-approval and purchasing workflows. It enables employees to request spend, receive approval, and complete purchases within a single flow. Finance teams gain visibility before money is spent, which reduces policy breaches and surprises at month-end.

Top FinTech Startups and Companies to Watch in 2026

It supports recurring billing, invoicing, proration, upgrades, downgrades, and complex pricing structures such as tiered and volume-based plans. Chargebee integrates closely with major payment providers and accounting systems, which simplifies reconciliation and month-end close. Its built-in revenue recognition supports compliance with standards such as ASC 606 and IFRS 15, helping finance teams manage deferred revenue accurately. The platform also includes dunning workflows, analytics, and subscription lifecycle reporting to reduce churn and improve cash collection. Chargebee is widely adopted by scaling SaaS companies that need flexibility without building custom billing infrastructure. While bookkeepers handle essential tasks such as recording transactions, managing payroll, and reconciling accounts, Till provides strategic financial leadership.

• Finding the right accountant for your fintech startup is more than just outsourcing your bookkeeping.
• Some of the app’s features include bill tracking, budget assistance and finding side jobs.
• Basic bookkeeping plans begin at $599 monthly for businesses spending under $30,000 each month.
• It reduces the operational burden of dealing with different banking portals and formats.
• “I help founders build with intention, from first funding and turnarounds to exits. My job is to be your partner in the trenches who knows the numbers and brings the right playbook for the moment.”
• Along with your direct Graphite team, every client is also staffed with an onboarding manager who will be the one to manage the transition so you don’t have to.

Vena Solutions

Affirm partners with thousands of retailers to offer installment loans at checkout. Salient stands out from other financial service providers with its AI-powered loan servicing solutions built for consumer finance. Some sources mention their simple startup package starts at about $300 per month. Companies with complex needs might pay more based on transaction volume and required services.

The platform analyses user behaviour, video signals, and document authenticity to detect high-risk attempts in real time. Veriff supports a wide range of identity documents and languages, making it suitable for international platforms. Its verification flows are designed to minimise friction while maintaining strong detection rates. Real-time decisions and manual review options allow companies to balance speed and control.

With its transparent pricing structure and robust multi-currency capabilities, Wise positions itself as a strong contender in the startup banking space. Furthermore, Wise allows cash deposits of up to $150,000 per year, providing flexibility for startups dealing with physical currency. The company’s rewards program, pre-approved credit, and virtual card offerings further enhance its appeal to startup founders.

• While a general accountant can handle basic bookkeeping, a specialist who understands the tech landscape brings a whole different level of value.
• Furthermore, it is not recommended for businesses with staff or plans for expansion.
• The team at Rooled has worked with many leading fintech companies and developed key skills and knowledge around the challenges for finance teams in fintech ventures.
• Concurrent with the expansion in consumer adoption venture capital investment in fintech has experienced significant growth over the last few years in a variety of market sectors.
• While many startup founders choose to hire an accountant, it is possible to do accounting yourself or by using accounting services.
• Kruze Consulting specializes in startup accounting, relying on experienced accounting, tax, and finance professionals, using best-in-breed financial tools and systems.
• We have standard tools that we prefer and will recommend, but we can also mold to softwares you are using and prefer as well.

Each state has its own set of rules for sales tax, income tax, and franchise tax, and determining where you have a “nexus” (a significant business presence) is a complicated task. Failing to properly register, collect, and remit taxes in every required state can lead to hefty penalties and a messy compliance situation that can take months to unravel. If you are a fintech company, platform, or service provider and would like to be considered for inclusion in this list, or if you would like to suggest updates, please get in touch. We are always on the lookout for standout solutions driving the future of finance. These finance APIs make it possible to launch financial services quickly without building a bank from scratch. By providing accurate and transparent financial information, accountants help build investor confidence, making it easier for the startup to secure the funding it needs to grow.

For example, accountants might collaborate on the development of a new digital payment system or a blockchain-based lending platform. Their financial expertise warrants that these accounting services for startups products are both viable and compliant with regulations. As the leading CPA and advisory firm for venture-backed startups, we specialize in guiding businesses from seed funding to growth stages.

Pre-revenue companies can benefit from services like Pilot with their pre-revenue discount. VC-backed startups find value in specialized firms like Kruze Consulting or Graphite that understand investor relations and reporting needs. The company has detailed financial solutions to help early-stage companies enhance their tax strategy and make their financial operations more efficient. Pilot delivers detailed financial support through their unique “50/50” approach. The company’s core services include detailed bookkeeping, tax preparation, and CFO advisory that works well for growing businesses. The company was founded by entrepreneurs who faced startup financial challenges themselves.