Pre-Seed Round — 2025

The control room
above your bank.

Clarity gives founders, operators, and bookkeepers live consolidated cash, AI-tagged transactions, and forward-looking cashflow — without becoming accounting software.

Company
Clarity (finnclarity.com)
Stage
Pre-seed · Pre-revenue
Raising
$250K – $500K
HQ
Portland, OR
01 / 11
The problem

Business owners are flying blind
between their banks and their spreadsheets.

🏦
Banks show balances, not meaning
Every "what did we spend on SaaS this month?" becomes a manual scavenger hunt across 3 portals and a CSV export.
"I check my bank every morning and still don't know if we can afford the next hire." — Founder
📊
Spreadsheets drift from reality
The moment a new card, vendor, or entity appears, the spreadsheet breaks. Categories drift. The truth lives nowhere consistently.
"Our Tiller sheet was perfect in January. By March it was a mess." — CFO
📚
Accounting tools are built for month-end
QuickBooks and Xero optimize for the close — not for the founder who needs today's cash story and next month's runway right now.
"Our bookkeeper closes the books 3 weeks late. I'm making decisions with stale data." — Operator
02 / 11
The solution

Bank truth → tagged meaning →
cashflow you can steer.

Clarity is the layer between your bank logins and your decisions. Not accounting. Not a spreadsheet. A live operating view of your cash.

01 · CONNECT
Live bank cash
Plaid links every account. Balances and transactions stay current — no CSV loop, no manual entry, no stale exports.
→
02 · TAG
Clarity tags & rules
Rules + AI suggestions keep categories yours. Reports pivot on your vocabulary — not a default chart of accounts.
→
03 · PLAN
Planning & cashflow
Layer known hits on the calendar. See runway, upcoming pinch points, and what happens next — before the bank surprises you.
→
04 · INSIGHT
AI commentary
Clarity surfaces spend anomalies and cashflow shifts automatically — so you see the thing you didn't know to look for.
03 / 11
Market opportunity

A massive, underserved market moving
toward real-time financial intelligence.

$726M
Global cashflow forecasting software market (2025)
7.4%
CAGR through 2033 — structural tailwind
33M+
SMBs in the US lacking real-time cash visibility
87%
of SMBs considering integrated financial software (SMB Group)
Why now
Open banking (Plaid), AI classification, and API-first infrastructure have made it possible to serve SMBs at the sophistication level previously reserved for enterprises — at a fraction of the cost. The window to own this category is open.
Serviceable market
TAM
$2.8B+
All SMB financial management software globally
SAM
$726M
Cashflow & real-time treasury tools for SMBs
SOM
$50M+
US-based operators, founders & bookkeepers — Year 3 target
The bookkeeper channel multiplier
One bookkeeper managing 10 clients = 10× the revenue per seat. The Bookkeeper plan turns individual users into distribution channels — a built-in reseller network.
04 / 11
Product

Built and live. Not a mockup.

Clarity is a working product with Plaid integration, real-time transaction sync, AI tag suggestions, and a planning + cashflow view — fully functional today.

🏦 Live consolidated cash Shipped
Multi-entity, multi-account dashboard. Plaid-linked, always current. One number you can trust right now.
🏷️ Clarity tags + rules Shipped
Rule-based + AI-assisted categorization. Your vocabulary on every transaction — not QuickBooks' default chart of accounts.
📈 Planning & cashflow Shipped
Layer known obligations, see runway, identify pinch points 30–90 days out. Built for operators, not month-end closes.
✦ AI Insights In progress
Automatic spend anomaly detection, tag-level trend analysis, and cashflow narrative — surfaces what you didn't know to look for.
C
Clarity
● Live · synced 2m ago
Financial Overview
All companies · 5 accounts · 416 transactions
Operating Cash
$45,396
5 visible accounts
Net Cashflow 30d
+$790
142 transactions
Income 30d
$13,357
Credits in Plaid
Runway
62 days
At current burn
✦ AI Insight
SaaS subscriptions up 34% vs last month — AWS & Figma driving increase.
Live dashboard — finnclarity.com
05 / 11
Traction

Early signals on a product
that's built and working.

✅
Working product — shipped
Full Plaid integration, transaction tagging, AI insights, planning + cashflow view. Live at finnclarity.com. Not a prototype.
🔒
Compliance-grade infrastructure
GDPR · CCPA · COPPA compliant. Plaid-secured (read-only). Stripe billing. AI transparency disclosures. Governed by Oregon law.
🗒️
Waitlist open — early access
Collecting signups by role (Founder / Bookkeeper / CFO / Finance). Segmented from day one for targeted onboarding and pricing validation.
⚡
Solo founder — built in full
Product, design, compliance, and go-to-market built by one person. Exceptionally capital-efficient. Funding goes to growth, not team overhead.
Next 90 days — with funding
First 10 paying customers — targeted outreach to waitlist, focus on bookkeepers (10× revenue per seat).
Pricing validation — confirm $29/mo Pro and $79/mo Bookkeeper against real willingness-to-pay data.
AI Insights v1 launch — anomaly detection and cashflow narrative live for all paid users.
$5K MRR target — the milestone that unlocks seed-stage multiple pricing for the next raise.
Key insight: The product is built. This raise is not for product development — it's for customer acquisition and distribution. Every dollar goes toward proving the revenue model, not building the thing.
06 / 11
Business model

Simple SaaS. Three tiers.
Bookkeeper channel as the multiplier.

Starter
$0 / mo
Founders getting oriented. Free forever — acquisition funnel.
✓2 bank accounts via Plaid
✓Clarity tags & rules
✓30-day history
✓Basic cashflow view
Core revenue
Pro
$29 / mo
Operators who need the full picture — multi-entity, AI, planning.
✓Unlimited bank accounts
✓Multi-entity support
✓AI Insights & anomaly alerts
✓Planning + runway view
✓Full transaction history
Bookkeeper
$79 / mo
1 bookkeeper × 10 clients = $790 equivalent value per seat.
✓Everything in Pro
✓Up to 10 client workspaces
✓Client-level reporting
✓White-label exports
Unit economics target
Plaid costs ~$0.30–$0.50/user/month. AI inference ~$1–2/user/month at current OpenAI pricing. Pro gross margin target: ~85%. Standard SaaS infrastructure.
Expansion revenue model
Starter → Pro upgrade path as users add accounts. Bookkeeper tier creates organic referral loops — each new bookkeeper client is a new workspace without incremental CAC.
07 / 11
Competition

Competitors pick a lane.
Clarity connects all three.

Tool Live bank cash Custom tags Cashflow / runway AI insights Not accounting Bookkeeper channel
Clarity ✓ ✓ ✓ ✓ ✓ ✓
QuickBooks / Xero ✓ ~ ~ ✗ ✗ ✓
Tiller / Sheets ✓ ✓ ~ ✗ ✓ ✗
Fathom HQ ✗ ~ ✓ ✗ ~ ✓
Puzzle.io ✓ ~ ✓ ✓ ✗ ✓
Mercury / Relay ✓ ✗ ~ ✗ ✓ ✗
The wedge: Clarity sits in a white space — live bank truth + operator-friendly tagging + forward cashflow — that no single competitor occupies. Accounting tools go deep on the ledger. Clarity goes wide on the operating view. These are fundamentally different jobs-to-be-done.
08 / 11
Financial projections

A clear path from $0 to $200K ARR
in 12 months with this raise.

MRR milestones
Month 1–2
$500
first 10–20 users
Month 3
$2K
bookkeeper push
Month 6
$5K
seed-raise threshold
Month 9
$10K
~$120K ARR
Month 12
$17K
~$200K ARR
Assumes ~10% MoM growth. Conservative relative to comparable B2B SMB fintech tools at launch.
Key assumptions
CAC: $50–$150 — content + community + bookkeeper referral. No paid ads year one.
Gross margin: ~85% — Plaid + AI inference costs well-understood and bounded.
Churn target: <5%/mo — financial data tools have high stickiness once tags + rules are set up.
Bookkeeper channel: 5 bookkeepers × avg 6 clients = 30 paying workspaces from one segment.
Valuation at $200K ARR
At 14–17× SMB fintech seed multiples, $200K ARR puts Clarity at a $2.8M–$3.4M valuation — a strong position for a seed round with a compelling growth story.
09 / 11
The ask

Raising $250K–$500K to go from
waitlist to revenue.

$350K
Target raise · Pre-seed
Instrument SAFE · Post-money cap
Valuation cap $1.5M – $2M
Discount 20% at next priced round
Min check $10K
Runway 18 months
Use of funds
40%
Customer acquisition
Content marketing, bookkeeper outreach, community, and first paid experiments after organic validation.
30%
Product & engineering
AI Insights v1, mobile responsiveness, onboarding polish, and the fixes identified in the product audit.
20%
Infrastructure & compliance
Plaid production costs, Supabase scaling, security audit, and SOC 2 Type I groundwork.
10%
Legal & operations
SAFE documentation, privacy counsel, and 3 months operating reserve.
10 / 11
Team

One founder. Full product.
Exceptional capital efficiency.

F
Founder
Builder · Designer · Operator
✦Designed, built, and shipped Clarity end-to-end — product, design, compliance, and GTM
✦Plaid integration, Supabase backend, OpenAI AI layer — full stack ownership
✦GDPR · CCPA · AI transparency compliance implemented from day one
✦Deep conviction in the problem — built because the tool didn't exist
Solo founder risk is real — and we address it directly: the first use of funds includes hiring a part-time growth/GTM contractor, and the seed round will fund a co-founder or first hire search.
Why Clarity wins
The product is real. Not a deck, not a mockup — a working, Plaid-integrated product live today.
The positioning is ownable. "Not accounting software" is a clear, defensible wedge that resonates immediately with the ICP.
The bookkeeper channel is a distribution moat. Each bookkeeper is a repeatable revenue multiplier — a built-in reseller with existing client relationships.
The market timing is right. Open banking, AI classification, and API-first infra have made this category viable at SMB scale. The window is open.
The bet: The first $350K gets Clarity to $200K ARR. At that point the valuation is $2.8M–$3.4M, the seed round closes on fundamentals — not faith — and the bookkeeper channel is proven distribution.
11 / 11

Let's build this together.

Clarity is raising $350K to get from waitlist to $200K ARR. If you back operators building for operators — we'd love to talk.

🌐 finnclarity.com
✉ support@finnclarity.com
Pre-Seed · Confidential · 2025