Mastering the print-on-demand business model in 2025

Mastering the print-on-demand business model in 2025

Mastering the print-on-demand business model in 2025

April 14, 2025

Mastering the print-on-demand business model<br />

With a market size predicted to reach $65.37 billion by the end of 2032, the print-on-demand business model stands out as a smart choice if you’re one of those creative entrepreneurs. Instead of guessing what inventory might sell, print-on-demand businesses create products only after customers place orders.

Whether you’re an artist who looks to earn from their work, a content creator expanding a brand, or a small business testing new waters, print-on-demand offers a low barrier to entry with impressive scaling potential. It’s the perfect option for small business growth, allowing you to bring your creative ideas to life without the stress of upfront costs or inventory, and it can help reduce operating costs by eliminating the need for warehousing and inventory management.

How print-on-demand works

When shoppers purchase from your online store, this triggers the production process, and by that, we mean your designs are printed on blank products only after someone has already paid. This just-in-time manufacturing eliminates guesswork, warehousing costs, and waste from unsold inventory. The charm lies in its accessibility, with minimal startup costs and technical knowledge, you can launch a global merchandise business from anywhere. This model helps reduce operating costs by eliminating the need for warehousing, inventory management, and excess manufacturing overhead.

Core principles of a print-on-demand business model

Instead of investing heavily upfront, you create products only after customers buy them, removing inventory risk and slashing startup costs. Your printing partners handle the technical heavy lifting, from production to shipping, while you maintain creative control and brand identity throughout the process. 

This arrangement gives you remarkable flexibility to test ideas, respond to trends, and scale globally without the usual growing pains of expanding a physical business. The focus shifts from managing inventory to optimizing designs and marketing, carefully balancing price points with supplier costs to maintain healthy profits as you grow your creative enterprise. Pricing strategies play a crucial role here, helping you set competitive prices that cover costs while generating profit.

Building the right print-on-demand business

Creating a successful print-on-demand business combines flexibility with focused direction. Rather than creating generic designs for everyone, identify a specific niche with distinct tastes. Your business will thrive when you understand a particular community deeply, whether pet lovers, outdoor enthusiasts, or professionals in a specific field. With your audience defined, develop a cohesive brand identity, including visual style, tone, and consistent design themes. You’re not just selling products but creating an experience customers connect with emotionally.

  • Choose the right print provider that balances quality, price, and reliability
  • Research product types that best showcase your designs and meet your audience’s needs
  • Establish quality control processes to ensure customer satisfaction
  • Create a marketing strategy focused on reaching your specific audience
  • Build an attractive, user-friendly online store optimized for conversions
  • Develop a content calendar for consistent design releases and promotions
  • Set up analytics to track which designs and products perform best

Finding this balance requires experimentation and patience. Be prepared to test different designs, products, and marketing approaches, paying close attention to what resonates with your audience and adjusting your strategy accordingly.

Print-on-demand business model vs. Traditional business model

Print-on-demand and traditional retail represent fundamentally different approaches to selling physical products.

  • Traditional retail requires upfront inventory investment before any sales occur
  • POD creates products only after customers have already paid for them
  • Traditional businesses need warehouse space and inventory management systems
  • POD entrepreneurs outsource production, storage, and shipping entirely
  • Traditional models allow complete control over product quality and production timing
  • POD businesses trade some quality control for significantly reduced financial risk
  • Traditional retail typically yields higher profit margins on individual products
  • POD offers the ability to test unlimited designs with zero inventory waste
  • Traditional businesses face challenges when pivoting to new product lines
  • POD can instantly update offerings to follow trends or customer feedback

The difference lies in the sequence, while traditional retail buys or makes products hoping they’ll sell, print-on-demand sells products before they even exist.

Conclusion

If you’ve got ideas and an eye for what people might love, the print-on-demand business model gives you a chance to test your vision without betting the farm. Start small, learn what resonates with your audience, and grow at your own pace. With such a promising industry future, you’re definitely not alone in seeing the potential here. So, why not give your creativity a chance to become something tangible?

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28 Powerful accountability quotes for work that build trust

28 Powerful accountability quotes for work that build trust

28 Powerful accountability quotes for work that build trust

April 11, 2025

Powerful accountability quotes for work that build trust

Taking responsibility for our actions at work isn’t always easy, but it’s what separates great teams from average ones. Accountability means owning both successes and failures, showing up when it matters, and following through on promises you’ve made. Sometimes, we all need a reminder about why taking ownership matters so much, especially when it plays such a key role in expanding your business horizons. With that in mind, we’ve gathered these powerful accountability quotes from business role models and leaders who’ve built successful teams by putting responsibility at the heart of their work culture.

28 accountability quotes for work to motivate you

Accountability quotes remind us that success comes from owning both our triumphs and failures. These powerful insights from leaders who’ve built cultures of responsibility can transform how your team approaches challenges exactly when excuses seem easier than solutions.

  1. “Exhibiting accountability over time is a gateway to trust. When we see someone acting with accountability, we gain the evidence we need to trust them.” – Mike Erwin and Willys Devoll
  2. “When we fail to set boundaries and hold people accountable, we feel used and mistreated. This is why we sometimes attack who they are, which is far more hurtful than addressing a behavior or a choice.” – Brené Brown
  3. “Being held accountable is an act of generosity and compassion. It is a gift that someone gives us to correct our wrongs, unlearn, and do better for the sake of our own growth. It might be uncomfortable, but it is worth the discomfort.” – Minaa B.
  4. “Leaders inspire accountability through their ability to accept responsibility before they place blame.” – Courtney Lynch
  5. “Accountability feels like an attack when you’re not ready to acknowledge how your behaviors harm others.” – Tamara Renaye
  6. “You’re going to mess up. So instead of trying to be perfect, learn how to be accountable.” – Whitney Goodman
  7. “Once people have a clear idea of what decisions they should and should not be making, holding them accountable for decisions feels fair.” – Gary L. Neilson
  8. “When it comes to privacy and accountability, people always demand the former for themselves and the latter for everyone else.” — David Brin
  9. “Accountability is the glue that ties commitment to results.” – Bob Proctor
  10. “Responsibility equals accountability equals ownership. And a sense of ownership is the most powerful weapon a team or organization can have.” – Pat Summitt
  11. “Accountability separates the wishers in life from the action-takers that care enough about their future to account for their daily actions.” – John Di Lemme
  12. “You can delegate authority, but you can never delegate responsibility.” – Byron Dorgan
  13. “Without accountability, exceptional performance is just a hope, not an expectation.” – Henry Evans
  14. “A culture of accountability makes a good organization great and a great organization unstoppable.” – Henry Evans
  15. “Accountability isn’t about punishment, it’s about ownership.” – Unknown
  16. “Holding yourself accountable is the most empowering thing you can do.” – Erica Williams Simon
  17. “Accountability breeds response-ability.” – Stephen R. Covey
  18. “If you want to change the culture of your workplace, start with accountability.” – Unknown
  19. “You are not only responsible for what you say, but also for what you do not say.” – Martin Luther
  20. “To take responsibility is to take the power back.” – Will Craig
  21. “The benefit of accountability is not control, it’s clarity.” – Brené Brown
  22. “In the absence of accountability, mediocrity becomes the standard.” – Unknown
  23. “Accountability starts with you. Don’t expect from others what you’re not willing to do yourself.” – Unknown
  24. We are all accountable for our actions. We are also accountable for inaction.” – Unknown
  25. “True leadership stems from accountability, not authority.” – Unknown
  26. “People crave feedback because it shows they matter. Accountability is part of that feedback.” – Simon Sinek
  27. “Excuses are the nails used to build a house of failure.” – Don Wilder
  28. “To be trusted is a greater compliment than to be loved—and accountability builds that trust.” – George MacDonald

Conclusion

At the end of the day, besides just taking the blame when things go wrong, accountability is about creating a workplace where people trust each other enough to take risks, speak honestly, and deliver on their promises. When accountability becomes part of your workplace DNA rather than just a buzzword, you’ll see not only better results but stronger relationships and deeper satisfaction in the work itself. You can start with yourself, lead by example, and watch how quickly a culture of ownership spreads throughout your company.

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The strange rituals of entrepreneurs before big pitches

The strange rituals of entrepreneurs before big pitches

The strange rituals of entrepreneurs before big pitches

April 10, 2025

The strange rituals of entrepreneurs before big pitches<br />

Founders might seem cool and collected when they walk into investor meetings, but behind that professional appearance often lies a world of quirky pre-pitch routines. Much like athletes before big games, entrepreneurs develop their own strange rituals and superstitions to calm their nerves and boost confidence when millions in funding hang in the balance. Some won’t wear certain colors, others insist on specific foods the morning of a pitch or do a morning meditation, and some have lucky items tucked into pockets or briefcases. 

These personal traditions might sound silly from the outside, but in the high-pressure startup environment where rejection is common and perfectionism runs deep, these rituals provide a small sense of control amid the chaos.

The unexpected business rituals that calm entrepreneurs’ nerves before a pitch

The comfort of these business rituals and personal traditions creates a sense of familiarity and control when facing investors who hold the keys to their company’s future. After talking with dozens of founders about their pre-pitch habits, we’ve uncovered some truly unusual practices that successful entrepreneurs swear by.

The 10-minute walking ritual before important meetings

Over the years, I’ve established a ritual to help me focus and remain calm before big pitches or client meetings, and it’s become an important part of my routine. Before any important pitch, I go for a 10-minute walk with no technology or distractions. I’m usually outside, away from everything. This simple act allows me to clear my mind, get my blood flowing, and reset my thoughts. It’s a mental reset, like pressing the “reboot” button for my brain. I’ve discovered that physical movement combined with quiet time boosts my confidence and clarity. This works for me because it is more than just an escape; it is also about gaining perspective. My focus is not on the pitch itself, but on my ability to communicate effectively. 

I’ve walked through the streets before pitching important deals and even speaking with the media. It gives me a feeling of control. My nerves calm down, and by the time I walk into the meeting, I’m focused, grounded, and prepared to deliver. This practice may seem insignificant, yet it is one of the main reasons I can remain calm under pressure. The physical and mental reset is effective every time, especially during the inevitable business ups and downs that every entrepreneur faces.

David Haskins, CEO of WrongfulDeathLawyer

The humble power of pre-pitch instant noodles

Right before a high-stakes pitch, I eat instant noodles. No fancy breakfast, no brain-boosting smoothies,just plain noodles with a boiled egg. It started back when I was broke, building my first product out of a shared flat. I couldn’t afford anything else. Now, it’s a weird comfort food that brings me back to basics. It reminds me that I’ve pitched through worse and survived.
I still eat them in silence, with no screens and no distractions.

Just me, my chopsticks, and that weirdly soothing smell. It’s not about the food, it’s the mood. I slow down, stop trying to impress anyone and reset before I step into pitch mode. This ritual, simple as it might seem, centers me. It’s a physical and mental signal that it’s time to focus. Slowing down to enjoy something as mundane as noodles pulls me away from the hustle of preparation and into a state of calm readiness.

Burak Ozdemir, Founder of Morse Code Translator

The power of 30-minute digital disconnection before pitches

Before any high-stakes pitch or investor call, I follow a simple but essential ritual: I disconnect from all screens for 30 minutes. No emails, no notifications, just a notebook and pen. During this quiet time, I write down why Poper matters, what pain we solve, who we serve, and what drives us to build it every day.

This habit helps cut through the noise and reminds me of the mission, not just the metrics. I also play “Time” by Hans Zimmer on a loop, it puts me in a focused, almost cinematic headspace where everything else fades away. I’ve learned that clarity beats over-preparation. When you’re deeply aligned with your purpose, the pitch flows naturally. This approach has helped me overcome many of the myths of entrepreneurship that suggest success only comes from constant connectivity and hustle.

Karan Bhakuni, CEO of Poper.ai

Creating powerful pre-pitch momentum through visual memory

Having scaled multiple businesses past seven figures, I have been on both ends, giving and receiving a funding pitch. Back in the day, I was always nervous and emotionally attached to my startup, my company, and my pitches. I’m sure every founder can relate to this, but being very emotionally attached would derail my pitch and I might go into negative momentum during cross-questions with investors. To calm my nerves and be grateful for the business I’ve built, I go through our personal albums or content collection back when we started the company. I’ve made this habit of documenting our entire journey and turning back some pages fuels my confidence and humbles me for how far I’ve come.

This pre-pitch ritual also emotionally detaches me from the end result. Since I’m reminding myself of the struggle and the things successful people sacrifice to build something meaningful, I walk into the room focused on the mission, not the outcome.

Mike Falahee, President of Marygrove.com

Workspace tidying

One of the things I do is to take a moment before every pitch to tidy up my workspace. I make sure everything is in order, even if it’s just a few minutes spent clearing my desk or organizing papers. There’s something about this physical act of creating order that mentally prepares me to present clearly and without distractions. It’s like a reset, ensuring I don’t carry any unnecessary clutter into the pitch.

I also have a very specific pre-pitch drink ritual. It’s not coffee or water. I brew myself a strong cup of mint tea. The act of drinking it forces me to slow down for a moment and gives me a mental break, allowing me to focus on the upcoming conversation instead of getting lost in the details. It’s calming and sharpens my focus. These rituals keep my mind clear and help me feel more composed when I walk into a room to present.

Sean Clancy, Managing Director of SEO Gold Coast

Building performance calm through brief but meaningful team exchanges

Before a big pitch, I always make sure to connect with my team in a small but meaningful way. It’s a little ritual we’ve developed over the years. We’ll gather for a quick moment, sometimes it’s a fist bump, other times it’s just a brief chat to remind everyone we’ve got each other’s back. If it’s a really big pitch, I’ll even send a quick text to my partner. It’s nothing extravagant, but it’s a way to ground myself and boost my confidence. 

Those little gestures serve as reminders that we’re a team and that we’ve already done the hard work. In these moments, I also think about how our team’s different hobbies and entrepreneurship journey have shaped our culture. That connection brings energy into the room.

Erwin Gutenkunst, President and Founder of Neolithic Materials

Creating the perfect pitch atmosphere through sensory anchors

Before any high-stakes pitch, I swear by my “Mochi Mindset Method.” Thirty minutes before the call, I whip up a Matcha-Mango Smoothie (matcha for focus, mango for optimism) and take my golden doodle, Mochi, on a 10-minute “walk-and-talk.”  I narrate my pitch aloud to her as we stroll, her head tilts and tail wags are my first focus group. If she yawns, I simplify the jargon; if she barks, I know I’ve struck a nerve. Back at my desk, I cue up “Doodle Zen” on Spotify (a playlist mixing lo-fi beats with faint dog park ambiance) and place Mochi’s favorite toy, Mr. Squeaks, on my desk as a “confidence totem.”

Post-pitch, win or lose, I reward myself (and Mochi) with a “Doodle Debrief”, a peanut butter Kong for her, dark chocolate for me. It’s not superstition; it’s science. The ritual triggers dopamine loops that dissociate pitches from panic. As my grandfather taught me: “Luck favors those who prep like a pro and play like a pup.” 

John Talasi, CEO and Founder of Financer.com

The power of lucky socks

When I’m getting ready for those all-important pitches, I rely on two trusty sidekicks: my lucky socks and some good ol’ rock ‘n’ roll. My socks, which are as red as a tomato and have more patches than a pirate ship, have been my companions for nearly ten years. They’ve witnessed a parade of pitches and always seem to sprinkle a bit of luck. Sure, they don’t match anything, but who cares about fashion when luck’s on the line?

And then there’s AC/DC. I crank up “Highway to Hell” to get the blood pumping. It might not be the most soothing choice, but it sure gets me revved up and ready to tackle anything. These quirky habits might sound a bit offbeat, but they’ve become my secret weapons for turning jitters into excitement and strolling into that room like I own the place.

Ihor Shulezhko, founder of Rankup and the IhorShoo project

The dark roast ritual

One thing I do to prepare myself for high-stakes pitches is brew a very specific coffee. I’ve settled on a strong, dark roast, something with a bit of intensity to match the occasion. It’s become a ritual for me to make this coffee first thing in the morning before a big pitch. There’s something calming about the process, grinding the beans, letting the aroma fill the room, and watching the coffee drip into the cup. It’s my moment of focus. While the coffee is brewing, I take a few minutes to breathe deeply, clear my mind, and remind myself of the points I want to cover during the meeting.

I remember one pitch a few months back where we were negotiating a large-scale lighting contract with a major builder. It was a crucial deal for Festoon House, and the pressure was definitely on. I woke up a couple of hours early, prepared my coffee, and spent those first few minutes alone with my thoughts. I reviewed my notes, imagined the flow of the conversation, and mentally ran through potential questions the client might ask.

That small ritual helped me enter the pitch feeling calm and ready. When I walked into the room, I wasn’t as nervous as I might have been if I hadn’t taken those few quiet minutes. I was focused, clear-headed, and able to present our proposal confidently.  For me, the coffee goes beyond a caffeine boost, it’s a mental reset that clears my mind and helps me make the most of the moment.

Matt Little, Founder and Managing Director at Festoon House

Wearing your history

I have this one navy blue blazer that I always wear when I’m meeting big clients or walking into something that could shift the direction of the business. It’s nothing flashy. It’s simple, clean, and comfortable. I’ve worn it during some of the most important milestones in my life, the first time I pitched Topnatch to a major multinational, the day we signed our first cross-border logistics deal, even the day we officially moved into our first real office.

It’s hard to explain, but wearing that blazer feels like bringing all those past wins into the room with me. It reminds me where I started, how far we’ve come, and that I’ve already faced tougher days than whatever’s in front of me. It’s not really about superstition, it’s more of a mental thing. It helps me walk in grounded and settled, instead of second-guessing myself or overthinking how I’m coming across. In this business, especially when you’re dealing with customs issues, freight commitments, and big clients who expect you to have all the answers, being calm and collected counts for a lot. That blazer just puts me in that headspace faster. I don’t wear it for anything else, it stays in the back of my closet unless it’s one of those days that matter.

Emil Calangi CEO of Topnatch Freight International Inc. 

The confidence mindset

When I have a high-stakes pitch coming up and I get nervous, I give myself a pep talk. I remind myself that I don’t need to get the clients to like our business. They already do and that is why they are giving me time and a chance to present my pitch. Otherwise, they wouldn’t be taking a chance on us. I remind myself that they looked at our products and liked what they saw.

The pitch is a chance to help them understand how we can solve a need for them. They are hoping we are an answer to their problem and that we are a perfect fit for them. Therefore, they are not looking for reasons to reject my pitch. In fact, they are looking for a reason to work with us and the pitch is just a formality, a mutual thing that I don’t need to be nervous or scared about. It grounds me and keeps me calm enough to handle the pitch.

Lev Tretyakov, CEO and Head of Sales, Fortador

Sound frequencies as pitch preparation tools

As the founder of AI Humanize, I have a few quirky rituals that help me prepare for high-stakes pitches. One of my go-to habits is listening to a specific calming playlist that’s curated with tracks in the 432 Hz frequency, which I believe helps enhance focus and reduce stress.

Before any pitch, I like to start my day with a traditional Chinese breakfast of congee. It’s not just about nourishment; the simplicity and warm comfort keep me grounded and centered.

Additionally, I practice a mantra I’ve developed over the years: “I create connections, not transactions.” This mindset shift reminds me to focus on relationships and shared visions rather than just the business aspects.

Ethan Moss, Founder of AI Humanize

Conclusion

So, next time you see a founder clutching a strange trinket, wearing mismatched socks, or muttering what sounds like a personal mantra before their big moment, don’t judge. These quirky pre-pitch rituals might seem irrational, but they’re part of the beautiful, messy human side of entrepreneurship that spreadsheets and business plans don’t capture. In a world where founders are expected to be confident, prepared, and always “crushing it,” these private rituals reveal the vulnerability that connects us all. Honestly, if wearing the same unwashed “lucky” shirt for four successful funding rounds works for you, who are we to argue with results?

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Creating a successful fintech startup: What to consider

Creating a successful fintech startup: What to consider

Creating a successful fintech startup: What to consider

April 09, 2025

Creating a successful fintech startup

Building a fintech startup isn’t just about technology. It’s about solving real problems, building trust, and making something people actually want to use. Sure, there’s code, funding, and scaling to think about, but at its core, a fintech company should make financial lives easier, not more complicated.

In the middle of all the buzzwords and investor decks, there’s one thing you shouldn’t overlook: your users’ experience. From onboarding to customer support, every touchpoint matters. And while you’re fine-tuning that seamless flow, don’t forget the backend matters just as much. For example, risk management software plays a huge role in making sure users feel safe and protected while using your app—especially when it comes to sensitive financial data. So, where do you begin? Let’s break it down.

Understand your market

The most successful fintech startups walked a path that started off with a well-defined problem, and not shiny features. Just think about people who are unbanked, freelancers who need instant invoicing, or small businesses struggling with cash flow. Identify the chasm, and speak directly to it.  

Take time validating it. Interview prospective users. Delve online into communities. What do people complain about? What is still cumbersome about online banking or budgeting apps? Very often, these frustrations represent your greatest opportunity. 

Prioritize UX from day one

Many founders tend to get lost in feature-land. The truth is, what matters is how your product feels. This is especially relevant for fintech because trust and clarity are everything. 

Your app or platform should feel natural, even for those who are novices when it comes to technology. Keep the interface clean, minimize friction in signing up, and eschew drowning users with too many choices. Users do not want to “learn” how to operate your financial instruments. They really want it to just work. 

Thoughtful micro-interactions, smart default options, and onboarding can separate your app from the rest. The smoother the road is for the user, the better the chance they will stick around. 

Build trust through transparency and security

When it comes to money, trust is everything. If a user has even an ounce of skepticism about your app, they will bounce. Simple. 

Backend systems and compliance efforts become important here. Users might not specifically see your tools and software, but they will sense it. Real-time fraud detection, KYC processes, secure transaction handling- these things are not an afterthought; they are a must-have. 

Make security part of your brand story. Have a down-to-earth explanation of what data you collect, how you use it, and what safeguard measures you have in place. The more transparent you get, the more reassurance users will have in trusting your product.

Choose the right tech stack

It’s so tempting to think of building complex infrastructure from day one. However, this is actually a very good way to slow down your go-to-market process. Pick tools that are scalable and secure and match your product goals.

Start with an MVP or minimum viable product that really looks at the core of what you’re delivering to market. Launch, get feedback, and iterate. This space is highly competitive, and one of your biggest advantages will be your ability to adapt quickly.

You can always upscale and upscale whenever you wish; that is even easier if you have secured the product-market fit and user flow.

Know the regulations

The challenges that arise are primarily around legal and compliance issues during the first phase of creating a fintech product. Depending on your market, you would have to comply with all sorts of banking regulations, laws against money laundering, and regulations regarding the protection of private information. 

Conversely, this doesn’t mean that one has to study law; ensure you have one by your side early on. Product compliance should be built from the start and not be dealt with later, during the final stages as an afterthought. 

And yes, let your tools and software do the work for you. A good solution will flag red flags, help with reporting, and keep your platform clean. 

Make customer support a priority

No matter how intuitive the product is, customers will always have questions, especially regarding finances. Setting up available and responsive customer support may separate you from the competition. 

You need live chat, deep FAQs, and even some in-app tutorials. And, better yet, do a post-mortem on every support ticket. What frustrates users? Are there fixable, common issues? 

Great customer support goes beyond solving problems; it creates customer loyalty.

Plan your monetization strategy wisely

While you might be tempted to give away everything for free to entice users, keep in mind that a business must earn money. Whether it is subscriptions, transaction fees, or freemium models, pick a monetization route that seems fair and in line with the value you are giving. 

However, always make fees and charges transparent. Hidden charges will ruin trust and lead to user attrition very quickly.

Grow with the right partners

It’s all too easy to try to do it all by yourself. However, if you partner with payment processors, banks, or providers of infrastructure, your opportunities for speed and scale improve. Therefore do select partners wisely, ones who complement and align with your mission and values.

Look for easy integration options, sophisticated security offerings, and those with references from fintech startup use. Partnerships affect everything from UI to long-term scalability.

Iterate based on real feedback

Your product will never attain perfection at release, and that’s just fine! The best route to improvement is listening to your users. Observe usage patterns, garner feedback, and be prepared to pivot. 

Every time you take steps to improve, emulate an act of service to a real need that warrants the change instead of just checking it off your list. In the contest of choosing a product, users are your greatest advisors.

Conclusion

There are several components when launching a digital fintech startup, all from regulatory hurdles to tech stack decisions. Above all, it really comes down to this-are you building something that people actually need?

If your focus is in line with user behavior centered with simplified experience and trustworthy tools and software, you are already ahead of your publishers. 

FinTech is not only about breaking the legacy; it is about making finance accessible, inclusive, and human.

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15 SMB accounting startups that make bookkeeping bearable

15 SMB accounting startups that make bookkeeping bearable

15 SMB accounting startups that make bookkeeping bearable

April 09, 2025

SMB accounting startups that solve the daily chaos of financial management

Small business accounting has been a headache for a long time when it comes to entrepreneurs who are focused on growing their companies. Most business owners didn’t start their businesses to spend hours wrestling with spreadsheets, chasing receipts, or trying to make sense of tax codes. This issue created an opportunity for accounting business ideas targeting small and medium businesses.

Unlike the clunky, complicated software of the past, present SMB accounting startups are building simpler, smarter tools that actually match how small businesses operate. With a market size predicted to reach USD 12.3 billion by 2030, we expect nothing but a bright future and a lot of resolved headaches.

What are SMB accounting startups?

SMB accounting startups are technology companies that develop and provide financial management software specifically designed for small and medium-sized businesses (SMBs). These startups create digital tools that help small business owners handle accounting tasks like expense tracking, invoicing, payroll, tax preparation, financial reporting, and bookkeeping.

Unlike traditional enterprise accounting software that’s often complex and expensive, SMB accounting startups focus on creating more affordable, user-friendly solutions that match the limited resources and simpler needs of smaller companies. They typically offer cloud-based services that can be accessed anywhere, mobile apps for on-the-go management, and automated features that reduce manual data entry.

Top SMB accounting startups

Complete list of the most SMB accounting startups that are worth knowing:

Pluto Card

Founded in 2021, Pluto Card brings modern financial technology to Middle Eastern and North African companies that previously relied on outdated expense management methods. Their platform combines physical and virtual corporate cards with software that automates expense tracking, approvals, and reporting in one unified system.

Pluto’s spend management tools give finance teams real-time visibility into company expenditures. Managers can set customized spending limits for different employees and departments, require pre-approvals for certain purchases, and instantly freeze cards if needed. The system automatically categorizes transactions and captures digital receipts, eliminating manual expense reports and reconciliation headaches.

Xero

Founded in 2006, Xero has grown into a global accounting platform used by millions of small businesses and their financial advisors. Their cloud-based software transforms traditional bookkeeping tasks into simple, automated processes that save time and reduce errors. Business owners can connect their bank accounts to automatically import and categorize transactions, eliminating manual data entry.

The Xero platform includes invoicing tools that let businesses create professional-looking bills and accept credit card payments directly. Its dashboard provides real-time visibility into cash flow with clear visualizations of money coming in and going out. Xero also simplifies tax time by organizing financial information and generating reports needed for filing returns accurately.

Try Quanto

Founded in 2021, Quanto was created by former accountants who understood the frustrations of tax season firsthand. Their platform uses AI to scan client documents, extract key financial information, and populate tax forms automatically. This drastically reduces the manual data entry that typically consumes hours of accountants’ time during busy periods.

Quanto’s workflow management system tracks the progress of each client’s tax return, alerting team members when action is needed. The platform includes client communication tools that automatically request missing documents and provide status updates. Smart validation checks help identify potential errors or audit triggers before filing, improving accuracy rates.

LedgerBox

Founded in 2022, LedgerBox was developed to solve the tedious problem of manual data entry that plagues small business owners and accounting teams. Their technology combines optical character recognition with machine learning to automatically identify and extract key information from financial documents. The system recognizes transaction dates, amounts, vendors, and account numbers, even from inconsistently formatted documents.

The LedgerBox platform allows users to simply drag and drop their financial PDFs into the system. Within minutes, the data is processed and converted into organized spreadsheets ready for analysis or import into accounting software. The AI engine learns from corrections, becoming more accurate over time at categorizing expenses and identifying recurring transactions.

Fractional Tax

Founded in 2018, Fractional Tax Incorporated was created when its founders noticed that many growing businesses fall into a gap – too complex for basic tax software but not large enough to justify hiring dedicated tax departments. Their service pairs businesses with experienced tax professionals who work on a flexible, as-needed basis throughout the year.

The Fractional Tax model combines technology and human expertise. Their online platform tracks tax deadlines, stores documents securely, and facilitates communication between clients and tax advisors. Clients receive proactive guidance on tax planning opportunities while ensuring compliance with federal, state, and local requirements without the overhead of full-time staff.

Bloc Solutions

Founded in 2020, Bloc Solutions was created to address the unique challenges faced by individual landlords who manage their own rental properties without the resources of large property management companies. Their all-in-one platform combines legal document automation, financial tracking, and tenant relationship management in an easy-to-navigate interface that requires no technical expertise.

The system generates province-specific lease agreements, notices, and other required legal documents that comply with current rental laws. This helps landlords avoid costly legal mistakes. Bloc’s payment tracking features monitor incoming rent, automatically flag late payments, and generate financial reports needed for tax filing. The platform also sends automated reminders when tenant insurance is expiring or renewals are approaching.

Equility

Founded in 2022, Equility was created to address the growing challenge of financial verification in an increasingly digital business world. Their platform connects directly to a company’s financial data sources through secure API connections, eliminating the need for manual uploads or data entry. This automated approach allows for continuous verification rather than traditional point-in-time audits.

The Equility system compares data across multiple sources to identify discrepancies and potential errors in financial reporting. Their algorithms flag unusual transactions and reconciliation issues that might indicate mistakes or fraud. By creating this independent verification layer, Equility helps businesses ensure their financial statements accurately reflect their true financial position.

WeOS Cloud

Founded in 2021, WeOS.Cloud was created by former small business owners who understood the struggles of managing company finances alongside daily operations. Their software combines accounting, cash flow forecasting, and financial planning into one intuitive dashboard that requires no specialized knowledge. Users can see their complete financial picture without jumping between multiple systems.

The WeOS platform automatically categorizes transactions, tracks expenses, and generates real-time reports that translate accounting jargon into plain language. Their cash flow prediction tools help owners anticipate tight periods and plan accordingly. The system also offers guided workflows for common financial tasks like invoice management and tax preparation to reduce errors.

Roni AI

Founded in 2021, Roni AI reimagines enterprise resource planning by deploying multiple specialized AI agents that work together across different business functions. Rather than having disconnected systems for accounting, inventory, HR, and sales, Roni’s agents communicate with each other to create a truly integrated experience. This approach eliminates data silos that plague traditional ERP implementations.

Each AI agent in the Roni system specializes in specific business areas, from processing invoices to forecasting inventory needs or analyzing sales patterns. The platform learns from a company’s existing data and adapts to its unique workflows. As business requirements change, Roni AI can be configured without the expensive customization projects typically associated with ERP systems.

Olao Books

Founded in 2022, Olao Books was created by former accountants who understood the tedious nature of manual bookkeeping tasks. Their platform uses optical character recognition and machine learning to automatically extract information from receipts, bills, and invoices when they’re uploaded or forwarded by email. This eliminates hours of data entry that small businesses typically spend each month.

The Olao system intelligently categorizes transactions based on vendor patterns and transaction details, learning from corrections to improve accuracy over time. For business owners managing employee expenses, the platform simplifies the reimbursement workflow with mobile receipt capture and approval notifications. The software also performs automated checks against tax regulations to flag potential compliance issues before they become problems.

EzBizPortal

Founded in 2019, EzBizPortal was developed by industry veterans who recognized the inefficiencies in traditional equipment service management. Their software uses GPS and availability tracking to automatically match repair requests with the closest qualified technicians, reducing downtime and travel expenses. When equipment breaks down, the system can immediately locate and dispatch the right specialist with the necessary skills and parts.

The platform manages the entire service workflow from initial request through completion and payment. Work orders are generated digitally with equipment history and service requirements. Technicians use the mobile app to document repairs, capture customer signatures, and process payments on-site. For equipment rental companies, the system tracks availability, schedules preventive maintenance, and manages the logistics of deliveries and pickups.

Cogentax Services Kft

Founded in 2020, Cogentax Services Kft. provides brand new, digital accounting services for small and medium businesses with their innovative 1st Taxpayer Profile. Their cloud-based solution is integrated with government authentication services and data sources to streamline tax compliance.

The Cogentax system stands out by maintaining real-time connections to tax authority databases, allowing it to validate submissions before they’re filed officially. Their dashboard gives business owners clear visibility into their tax position, upcoming obligations, and potential deductions or credits. Monthly reports highlight areas where businesses might optimize their tax strategy based on actual transaction patterns.

Intuit

Founded in 1983, Intuit has grown from a small startup to one of the most influential financial software companies in the world. Their flagship products have become household names – TurboTax guides millions through tax filing each year, QuickBooks helps small businesses manage finances, and Mint helps individuals track personal spending and budgets. Each platform uses artificial intelligence to automate repetitive tasks and provide personalized insights.

Intuit’s professional tax preparation tools like Lacerte and ProSeries, have become industry standards for accounting firms. These specialized solutions handle complex tax situations while integrating with QuickBooks data to streamline the year-end process. Their cloud-based platforms automatically update when tax laws change, ensuring that accountants always work with current regulations.

Clear

Founded in 2011, Clear provides technology-enabled accounting and finance solutions for small and medium businesses. It offers behavior-based loans for working capital and invoices. It also provides software for e-Invoicing, invoice ingestion, and invoice validation. It also provides tools for syncing accounts payable and indirect tax workflows.

What makes Clear unique is how they combine financial software with lending capabilities. By analyzing a company’s transaction patterns, payment history, and cash flow, Clear offers tailored working capital loans with faster approval than traditional banks. Their e-invoicing system complies with government regulations while streamlining the accounts receivable process through automated follow-ups and payment tracking.

Wave

Founded in 2010, Wave provides web-based accounting software for businesses. It features solutions for accounting to track income and expenses, invoicing to create and send invoices to customers with multiple templates, receipt scanning, mobile invoicing, recurring billing, and more. The mobile application is available on both iOS platform and the APK version.

The Wave system simplifies bookkeeping with bank connections that automatically import and categorize transactions. Their invoicing tool allows businesses to create professional-looking invoices with customizable templates and set up automatic payment reminders to improve cash flow. The receipt-scanning feature turns paper receipts into digital records using optical character recognition, eliminating the need to manually enter expenses.

Conclusion

While the accounting software industry might seem crowded, remember that small businesses come in countless shapes and sizes, each with unique needs. There’s still room for solutions that speak to specific industries, growth stages, or pain points that current options miss. Starting your own accounting business isn’t easy, but after all, the best business solutions often come from those who’ve felt the pain themselves and are determined to create something better.

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