One Financial Stack
Your bookkeeper, CPA, and CFO — finally on the same page.
Most founders stitch together 4–5 finance vendors that don't talk to each other. The seams show in diligence — and the bill adds up to $2K–$5K/mo. We replace the whole stack with one team and one platform, from $179/mo.
Starting price. Final pricing depends on volume and complexity.
Fundraising Support
Strategic Finance
Accounting & Tax Compliance
Bookkeeping
One stack. Four layers. One team. One platform.
The hidden cost of a stitched-together stack
When your finance team is split across 4 vendors, you pay three times.
Once in dollars. Once in founder hours. And once — the worst one — in decisions made from incomplete data.
Context loss tax
Every onboarding call, every “can you re-send last quarter's P&L?”, every conversation the CFO didn't see — that's context evaporating across vendor boundaries. Your bookkeeper doesn't know what your model assumes; your CPA doesn't know what the board asked for; your CFO is filling in gaps from memory.
Coordination tax
Quarter-end across multiple vendors burns 30–40 founder hours of email tag, version control, and re-explaining your business model. Multiply that by every board meeting, every fundraise, every audit.
Dollar tax
Separate bookkeeper ($500–$1,500/mo), CPA firm ($2K–$5K/mo for advisory), fractional CFO ($200–$400/hr), 409A provider ($1K–$3K), banker (% of round). Stitched together, that's $3K–$10K/mofor a finance function that still doesn't share context.
The stack, top to bottom
Four layers. One team running all of them.
Each layer feeds the one above it. Clean books power accurate taxes. Accurate taxes power a real model. A real model powers a credible fundraise.
Fundraising Support
- Diligence-ready data room
- Investor updates auto-drafted from real data
- Cap table + 409A + term sheet review
- Lead modeling for the next round
Strategic Finance
- Board packs on demand
- 24-month operating model + 13-week cash forecast
- Scenario planning + unit economics
- Spend Guardrails on every contract
Accounting & Tax Compliance
- Federal + 1 state tax preparation
- R&D credits, DE franchise, multi-state
- 1099/W-2 issuance, 51-jurisdiction coverage
- 409A coordination, audit support
Bookkeeping
- AI categorization, expert review
- Daily reconciliation
- Monthly close in 7–10 days
- GAAP-compliant P&L, BS, cash flow
Data flows up. Context flows everywhere. Powered by ClariFi.
One team
Finally on the same page.
Your bookkeeper, CPA, and fractional CFO are three people — but they share one context, one source of truth, and one view about your business. When the CPA spots a tax-credit opportunity, the CFO sees it in the model the same day.
- One shared context across everything finance.
- Real-time visibility — no vendor handoffs, no 'let me get back to you.'
- The same humans who close your books also build your fundraise model.
- AI handles the routine work. Humans handle the judgment calls.
ClariFi
One source of truth
Bookkeeper
Reconciles + closes
CPA
Files + advises
CFO
Models + raises
The stitched stack vs. the one stack
What changes when four layers share a team and a platform.
Stitched together
The 4-vendor stack
The StartupCFO stack
One integrated team
The money math
You save $20K–$100K/yr. And get more in return.
Stitched stack
$3K–$10K
per month
Bookkeeper + CPA firm + fractional CFO + 409A provider + banker — all billing separately.
StartupCFO stack
$179–$799
per month
Full stack. Flat fee. No contracts. 45-day free trial.
Full-time CFO hire
$18K+
per month all-in
$225K salary + benefits + equity. 3–6 months to recruit. No platform, no team.
And founder hours saved on coordination? 30–40 hours per quarter back in your week.
Common Questions
Frequently Asked Questions
- What is an integrated finance stack for startups?
- An integrated finance stack combines bookkeeping, tax compliance, and fractional CFO work under a single team and a single source of truth. Instead of stitching a bookkeeper, a CPA, and an outsourced CFO together — each with their own tools and assumptions — one team runs everything on shared books, so board packs, tax returns, and runway forecasts always tie to the same numbers.
- Why is one team better than separate bookkeeper, CPA, and CFO providers?
- Coordination cost. When the bookkeeper closes Month 6 differently than the CPA expects, you spend founder hours reconciling. When the CFO models from numbers the bookkeeper hasn't finalized, the board pack is wrong. One team eliminates the handoffs, the reconciliations, and the 'whose number is right' debates — and you get diligence-ready financials on demand.
- How much does StartupCFO cost vs hiring each function separately?
- StartupCFO starts at $179/mo. Hiring a contract bookkeeper ($800–2,000/mo) + outsourced CPA ($1,500–4,000/mo) + fractional CFO ($3,000–10,000/mo) typically totals $5,000–16,000/mo for the same scope — and you still own the coordination burden. Final pricing depends on transaction volume and complexity.
- How fast can I be live with an integrated finance stack?
- 48 hours from sign-up to operational books and dashboards. Connect QuickBooks/Xero/Zoho, share access to your bank + payroll + cap table, and your team takes over from there. The first board pack lands within the first calendar month.
- Will switching from my current bookkeeper or CPA be disruptive?
- No — we run the migration. Your existing books are imported (or rebuilt if necessary), prior-year tax filings stay with your existing CPA if you prefer, and there's no gap in monthly close. Most founders are surprised how clean the handoff is when the receiving team specializes in startup transitions.
Built for the diligence room
When the lead investor asks for everything in one Zoom call —
you screen-share ClariFi and move on.
Founders with stitched stacks scramble for 48 hours. Founders with one stack already have it ready. That's the difference between “we'll get back to you” and “here you go.”
From $179/mo · 45-day free trial · No contracts.
