Build business credit while managing invoices and expenses – bank-integrated for freelancers.
Freelancers struggle with traditional banking options lacking integrated tools for easy invoicing, expense tracking, and business credit building.
SoloCredit connects to banks, tracks business spends, and auto-generates credit bureau reports with verified invoices/expenses. It includes simple invoicing and spend analytics to qualify for better cards/loans. Turn freelance transactions into credit-building assets.
Solo freelancers and independent contractors billing $5K-50K/month without dedicated accounting teams
One-click credit bureau reporting with freelancer-specific transaction verification, absent in accounting apps.
professional/edgy
Categorize and visualize business vs personal spend.
Compile transaction history into bureau-submittable formats.
Link paid invoices to credit profile.
Plaid for multi-account business spend tracking.
Predict credit impact of spends/payments.
Recommend freelancer-friendly loans based on data.
Allocate mixed personal/business expenses.
Direct submit to select credit bureaus.
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| text | No | |
| business_name | text | No |
| ein | text | Yes |
| created_at | timestamp | No |
Relationships:
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| user_id | uuid | No |
| amount | int | No |
| is_business | bool | No |
| date | timestamp | No |
Relationships:
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| user_id | uuid | No |
| period_start | timestamp | No |
| total_spend | int | No |
| export_url | text | Yes |
Relationships:
/api/transactionsSync and categorize transactions
/api/reportsGenerate credit report
/api/simulatorRun credit score simulation
No reports
Manual exports
None
| Month | Users | Conversion | MRR | ARR |
|---|---|---|---|---|
| Month 1 | 180 | 3.5% | $158 | $1,896 |
| Month 6 | 1,100 | 9% | $2,475 | $29,700 |
Bank sync + verified spends = real credit scores. No EIN needed to start.
Target LinkedIn groups for freelancers seeking credit, offer free reports. Partner with 1-2 credit blogs for shoutouts. Cold email solopreneurs from Hunter.io.
Corporate cards
EIN required, not for solos
Software-only for true independents
Spend management
Team-focused, complex setup
Simple solo credit focus
Aggregated freelance credit data partnerships with bureaus.
Lenders expanding to gig workers; open banking APIs enable verification.
Credit reporting compliance
Partner with bureau APIs, legal review
Freelancers ignore credit building
Educate via content
Success: 60% interested in credit tools
Success: 20% user growth/mo
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