Found is a fintech banking platform (banking services provided by Lead Bank, Member FDIC) aimed squarely at solopreneurs, 1099 contractors, and very small HVAC shops where the owner is also the technician, bookkeeper, and dispatcher. The core thesis is that self-employed trades professionals spend hours every quarter wrestling with bookkeeping and tax prep because their bank and accounting tools are separate, and Found solves this by combining both into a single mobile-first app.
Transactions made with the Found debit card are automatically categorized using IRS Schedule C tax categories (cost of goods sold, vehicle expenses, supplies, tools, home office, etc.), flagged deductions are aggregated, and Found produces quarterly estimated tax calculations along with a tax savings bucket to set aside money as income comes in. Invoicing is unlimited and free, with customizable branded templates, scheduled recurring invoices, automatic payment reminders, and multiple payment methods (card, ACH, Cash App). Found's core tier is free. Found Plus ($35/month or $315/year) adds enhanced expense reports, priority tax prep, and 1.50% APY up to $20K. Found Pro ($80/month or $720/year) adds 2.50% APY on all balances with no cap plus additional bookkeeping customization.
Where Found excels is eliminating the need for a separate bookkeeper or QuickBooks subscription at the sole-proprietor stage. Where it falls short: single-account structure (no sub-accounts for Profit First), no sub-user permissions for spouses or virtual assistants, no lending, and weaker fit for growing shops with employees. Most HVAC solopreneurs use Found while scaling and migrate to Relay or a traditional bank once they hire their first employee and take on QuickBooks.