Startup Financial Operations Reference Architecture

v20260423

fondo-reference-architecture

This reference architecture outlines a comprehensive financial stack for startups. It centralizes core financial functions—including banking (Mercury), payroll (Gusto), revenue/expense tracking (Stripe/Brex), and advanced bookkeeping/tax services (Fondo)—into a unified data flow. It helps founders and finance teams manage everything from daily transactions to monthly closing, tax filings (like R&D credits), and generating board reports efficiently.

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Overview

Fondo Reference Architecture

Overview

Reference architecture for a startup's financial operations with Fondo at the center, connecting payroll, banking, payments, and internal reporting.

Architecture

┌─────────────────────────────────────────────────────────┐
│                     Data Sources                         │
├──────────┬──────────┬──────────┬──────────┬─────────────┤
│  Mercury │  Gusto   │  Stripe  │  Brex    │  AWS/GCP    │
│  Banking │  Payroll │  Revenue │  Expense │  Cloud      │
├──────────┴──────────┴──────────┴──────────┴─────────────┤
│              Plaid / OAuth Connections                    │
├─────────────────────────────────────────────────────────┤
│                                                          │
│                   FONDO PLATFORM                         │
│  ┌──────────┐  ┌──────────┐  ┌────────────────┐        │
│  │ Monthly  │  │ Tax      │  │ R&D Tax Credit │        │
│  │ Close    │  │ Filing   │  │ Study (6765)   │        │
│  └──────────┘  └──────────┘  └────────────────┘        │
│                                                          │
├─────────────────────────────────────────────────────────┤
│                     Outputs                              │
├──────────┬──────────┬──────────┬────────────────────────┤
│  P&L     │  Balance │  Cash    │  R&D Credit            │
│  Report  │  Sheet   │  Flow    │  Certificate           │
├──────────┴──────────┴──────────┴────────────────────────┤
│              Internal Dashboard (optional)                │
│  Revenue metrics │ Burn rate │ Runway │ Board deck       │
└─────────────────────────────────────────────────────────┘

Recommended Stack

Category	Tool	Why
Banking	Mercury or SVB	Startup-friendly, API access, Plaid compatible
Payroll	Gusto	Best startup payroll, Fondo integration
Revenue	Stripe	Standard payments, clean webhooks
Expenses	Brex or Ramp	Auto-receipt capture, categorization
Bookkeeping	Fondo	Automated, CPA-managed
Tax Filing	Fondo (TaxPass)	Bundled with bookkeeping
R&D Credits	Fondo	Integrated with bookkeeping data
Cap Table	Carta or Pulley	Equity management
Board Reporting	Fondo exports + internal dashboard	Custom metrics

Data Flow

Transactions flow from banks/cards/payroll into Fondo via Plaid/OAuth
Fondo CPA team categorizes and reconciles monthly
Financial statements generated and delivered to Dashboard
R&D credit study prepared annually from same data
Tax returns filed using reconciled data

Resources

Next Steps

Start with fondo-install-auth to set up your Fondo account.

Info

Category Product & Business

Name fondo-reference-architecture

Version v20260423

Size 4.4KB

Source jeremylongshore/claude-code-plugins-plus-skills

Updated At 2026-04-28