The Startup Finance Stack I Use as a Founder (2026)
Startup Finance Software Stack:
↳ Mercury (Banking): https://efficient.link/r/mercury?utm_source=youtube&utm_medium=description&utm_campaign=startup+finance+stack&utm_term=2026 (🎟️ deal below)
↳ Ramp (Expense Management): https://efficient.link/r/ramp?utm_source=youtube&utm_medium=description&utm_campaign=startup+finance+stack&utm_term=2026 (🎟️ deal below)
↳ Kick (AI Accounting): https://efficient.link/r/kick?utm_source=youtube&utm_medium=description&utm_campaign=startup+finance+stack&utm_term=2026 (🎟️ deal below)
↳ Polar (Payments): https://efficient.link/r/polar?utm_source=youtube&utm_medium=description&utm_campaign=startup+finance+stack&utm_term=2026
↳ Stripe (Payments): https://efficient.link/r/stripe?utm_source=youtube&utm_medium=description&utm_campaign=startup+finance+stack&utm_term=2026
↳ Numeral (Tax Compliance): https://efficient.link/r/numeral?utm_source=youtube&utm_medium=description&utm_campaign=startup+finance+stack&utm_term=2026 (🎟️ deal below)
↳ Gusto (Payroll): https://efficient.link/r/gusto?utm_source=youtube&utm_medium=description&utm_campaign=startup+finance+stack&utm_term=2026 (🎟️ deal below)
↳ Deel (Global Hiring): https://efficient.link/r/deel?utm_source=youtube&utm_medium=description&utm_campaign=startup+finance+stack&utm_term=2026
🎁 *LIMITED TIME DEALS* (Efficient Exclusives)
↳ Mercury: https://efficient.deals/mercury?utm_source=youtube&utm_medium=description&utm_campaign=startup+finance+stack&utm_term=2026 *(Free $250 cash when you deposit $5K within 90 days)* 🎟️
↳ Ramp: https://efficient.deals/ramp?utm_source=youtube&utm_medium=description&utm_campaign=startup+finance+stack&utm_term=2026 *(Free $250)* 🎟️
↳ Kick: https://efficient.deals/kick?utm_source=youtube&utm_medium=description&utm_campaign=startup+finance+stack&utm_term=2026 *(25% off 1 year)* 🎟️
↳ Numeral: https://efficient.deals/numeral?utm_source=youtube&utm_medium=description&utm_campaign=startup+finance+stack&utm_term=2026 *(50% off 3 months)* 🎟️
↳ Gusto: https://efficient.deals/gusto?utm_source=youtube&utm_medium=description&utm_campaign=startup+finance+stack&utm_term=2026 *(Free $100 gift card)* 🎟️
💬 *Description*
Most startups do not fail because of the team.
They fail because founders lose visibility into the money.
In this video, I break down the startup finance stack we actually use to manage cash, spending, payments, and accounting as we scale.
After speaking with hundreds of founders, this is the stack we keep seeing work.
🤔 *Take The Quiz*
↳ https://efficient.link/quiz
🎥 *What We Covered:*
0:00 – The Finance Mistake That Kills Startups
0:26 – Where Cash Actually Should Live
3:11 – How Founders Should Spend Money
4:53 – Money In vs Money Out (What Breaks First)
8:11 – How Startups Actually Get Paid
10:16 – Paying Vendors, Contractors, and Teams
👀 *Watch This Next:*
🎥 *Recording Equipment Used* (Affiliate)
– Camera: https://efficient.link/a/sony-fx3
– Lens: https://efficient.link/a/sony-gm2
– Microphone: https://efficient.link/a/shure-sm7db
– Audio Mixer: https://efficient.link/a/roadcaster-duo
🎶 Theme music by The Mysterious Breakmaster Cylinder
_*After being customers of Stripe, Mercury, Kick, and Numeral, we asked if we could angel invest in them._
_*Affiliate/Investment Disclosure: This video is not sponsored and reflects our personal opinions and experiences. Some links above and across our channel are affiliate links, which means we may earn a small commission if you use them — at no extra cost to you. In many cases, we’ve negotiated discounts, extended trials, or bonus training when you use our links. See efficient.deals for full details. Purchasing through our links supports our free content. We occasionally get the opportunity to invest in some of our favorite tools; this does not impact the outcome of our opinions. Learn more here: efficient.link/about_
_*Mercury Disclaimer: Mercury is a fintech company, not an FDIC-insured bank. Banking services provided by Choice Financial Group, Column N.A., and Evolve Bank & Trust, Members FDIC. Deposit insurance covers the failure of an insured bank._
