BANK RECONCILIATION SERVICE BUSINESS PLAN

I. Executive Summary

Company Description

Ledgerly Solutions was founded in 2026 in Austin, Texas to automate bank reconciliation for U.S. small and midsize businesses (SMBs). We operate in fintech and provide a subscription service that combines proprietary matching software with expert human oversight to produce audit-ready financial records. At launch we operate with a lean, tech-forward team of 5 full-time employees, scaling to 30 FTEs by Year 5. We remove the manual burden of reconciliation so finance teams and bookkeepers can rely on clean books every month.

We ingest bank feeds, auto-match transactions, route exceptions to skilled reviewers, and deliver reconciled ledgers and audit-ready reports that integrate with common accounting systems. We target U.S. SMBs with frequent transactions—retail, restaurants, e-commerce—and bookkeeping firms that need reliable reconciliation at scale. Short-term goals are to validate product-market fit and onboard initial customers; long-term goals are to scale operations to 30 FTEs by Year 5 and establish a leading position in automated reconciliation for SMBs.

Problem

Manual bank-to-ledger reconciliation for U.S. small and medium-sized businesses causes time loss, frequent human errors, tax compliance risk, and poor cash visibility that block timely decisions during growth.

Founding in 2026 and based in Austin, Texas, we address these unmet needs by combining proprietary matching software and expert human oversight to deliver audit-ready records; at launch we operate with 5 FTEs and plan to scale to 30 FTEs by Year 5.

Year 1 revenue target: $430,000. Eliminating manual reconciliation is necessary to restore reporting integrity, clear cash visibility, and reliable compliance for SMBs. One clear fact: current manual processes leave founders blind when timing matters.

Solution

U.S. small businesses lose thousands of hours to manual bank reconciliation and end up with frequent errors, poor cash visibility, and risky tax filings. Our tech-enabled service delivers continuous reconciliation—automated matching plus expert human review—that produces daily-accurate books, audit trails, and verified closes so owners stop fixing month-end surprises and get reliable cash data.

Key outcomes: eliminate manual hours, reduce reconciliation errors, and scale for high-volume merchants and subscription firms; supports a Year 5 revenue target of $7,982,000. One-liner: continuous, precise reconciliation that removes month-end stress.

Mission Statement

Our mission is to empower U.S. business owners with absolute financial clarity by delivering the most accurate and efficient automated bank reconciliation service available. We eliminate manual errors and free founders to focus on core business growth through continuous innovation, specialized expertise, and rigorous controls. We commit to exceptional customer satisfaction, transparent pricing, and responsible data practices, making financial data integrity the benchmark for our clients.

Key Success Factors

Our growth hinges on technology, security, partnerships, cost discipline, and retention.

• Proprietary reconciliation software that automates matching and exceptions, reducing manual work and error rates.
• SOC 2 compliant infrastructure that secures client data and enables enterprise sales.
• Strategic partnerships with CPA firms and leading data aggregators that deliver a steady stream of qualified leads.
• Disciplined G&A and scalable tech/service teams that keep fixed costs low while supporting growth.
• Reduced customer acquisition cost from $450 to $300 and high retention across tiers that drive long-term profitability.

Financial Summary

Financial highlights show rapid revenue scaling with initial EBITDA losses and recovery to positive operating cash by 2028.

We will fund operations while scaling marketing to $1,000,000 annually by 2030; the plan reaches breakeven in Jun-28, achieves payback in 50 months, and targets ROE 3 with an IRR of 2.3%.

Overall outlook: strong top-line growth, mid-term profitability, modest investor returns.

Funding Requirements

We require $626,000 to launch in 2026 and reach breakeven in June 2028, targeting Year 1 revenue of $430,000, Year 5 revenue of $7,982,000, a 2030 EBITDA of $2,718,000, a 50-month payback, a 2.3% IRR, 3x return on equity, and a marketing plan that scales to $1,000,000 annually.