Separate your business finances automatically without an LLC or new bank account.
Solopreneurs without a formal business entity are rejected by traditional banks for business accounts, forcing them to mix personal and business finances.
SplitSolo links to your personal bank via Plaid, uses AI to categorize transactions as personal or business, and generates virtual business statements. Solopreneurs get clean financial separation, tax-ready reports, and bank-compliant docs to prove business activity—all in one dashboard. No entity required, just upload or sync and go.
Solopreneurs and freelancers without a formal business entity like an LLC
AI-powered auto-categorization from personal bank sync, tailored for non-LLC solopreneurs with instant virtual statements banks accept.
friendly/supportive
Secure Plaid integration to import transactions from personal banks.
Automatically tags transactions as business/personal with 95% accuracy, editable rules.
Generate PDF bank-like statements for business activity proof.
Real-time profit/loss, expense tracking, and tax summaries.
Custom rules for recurring categorization.
CSV/PDF exports to QuickBooks or accountants.
iOS/Android companion for on-the-go approvals.
Email/SMS notifications for high business spend.
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| text | No | |
| stripe_customer_id | text | Yes |
| created_at | timestamp | No |
Relationships:
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| user_id | uuid | No |
| bank_name | text | No |
| plaid_token | text | Yes |
Relationships:
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| account_id | uuid | No |
| amount | int | No |
| description | text | No |
| category | text | No |
| is_business | bool | No |
| date | timestamp | No |
Relationships:
/api/plaid/linkInitiate Plaid bank link token
/api/transactions/syncSync new transactions from Plaid
/api/transactions/categorizeAI categorize batch of transactions
/api/reports/statementGenerate virtual statement PDF
/api/users/subscriptionCheck user plan status
No AI, no exports
| Month | Users | Conversion | MRR | ARR |
|---|---|---|---|---|
| Month 1 | 200 | 3% | $270 | $3,240 |
| Month 6 | 1,500 | 8% | $4,800 | $57,600 |
Auto-split your personal bank transactions into clean business finances. Get statements banks love—in minutes.
Post in r/solopreneur and r/freelance with a free beta invite link, offering first 50 users lifetime Pro access for feedback. DM 10 indie hackers on Twitter who complain about finance mixing. Run $50 Reddit ads targeting 'business account no LLC'.
Free invoicing
No auto-separation from personal banks
Plaid + AI for instant personal/business split
Real business accounts
Requires LLC/entity
Virtual solution for non-entities
Data moat from categorized transaction datasets for better AI, network effects via shared categorization templates community.
Rise of 50M+ US solopreneurs post-COVID, banks tightening rules on mixed accounts, Plaid APIs maturing for easy integrations.
Plaid approval delays
Fallback to CSV upload MVP
Finance regulation scrutiny
Disclaimer: not a bank, consult professionals
Low adoption of bank linking
Free tier + tutorials
Success: 50+ yes votes
Success: 80% retention week 2
Success: 5% conversion
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