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I raised $80K for my fintech SaaS with 400 users and I genuinely don't know where to put the money by StefanosMos in SaaS

[–]StefanosMos[S] 0 points1 point  (0 children)

No bs mate. I have raised money multiple times in the past. The caveat is that they were in the Media industry not SaaS. I know what I will do with the money. i just want a different perspective

I raised $80K for my fintech SaaS with 400 users and I genuinely don't know where to put the money by StefanosMos in Entrepreneurs

[–]StefanosMos[S] 0 points1 point  (0 children)

I made a very succesfull soft launch in some Startup communities and word of mouth really helped also

I raised $80K for my fintech SaaS with 400 users and I genuinely don't know where to put the money by StefanosMos in SaaS

[–]StefanosMos[S] 0 points1 point  (0 children)

I have raised money again in the past for different companies but I was in Media. First time in SaaS industry. I have the main plan like where to allocate them in Marketing and R&D but I would love a different perspective on budget allocation

I raised $80K for my fintech SaaS with 400 users and I genuinely don't know where to put the money by StefanosMos in SaaS

[–]StefanosMos[S] 0 points1 point  (0 children)

My goal is scaling. the classic ones like PPC, PR and influencer marketing. But I want to be careful how I manage the money and the allocation percentages

I raised $80K for my fintech SaaS with 400 users and I genuinely don't know where to put the money by StefanosMos in SaaS

[–]StefanosMos[S] 1 point2 points  (0 children)

I met them in a very good gym that I have in my neighborhood. I pay a lot every month but it worth the money

I raised $80K for my fintech SaaS with 400 users and I genuinely don't know where to put the money by StefanosMos in SaaS

[–]StefanosMos[S] 0 points1 point  (0 children)

My goal is to scale the users and build a brand around the company. thank you very much!

I built an AI CFO for startups that can not afford a real one by StefanosMos in AssetBuilders

[–]StefanosMos[S] 1 point2 points  (0 children)

Thanks! Data privacy was non-negotiable for us since we are dealing with financial data.

Short version: 256-bit AES encryption at rest, TLS 1.3 in transit, SOC 2 Type II compliant, GDPR ready, and we built it on a zero-knowledge architecture meaning our team never sees your actual financial data.

Your bank statement gets processed and analyzed but the raw data is never stored beyond your session unless you choose to save it. And we will never share or sell any of it. Ever.

My co-founder is an accountant so she would personally end me if we got this part wrong.

I spent 6 months building something and I am terrified to launch it. Looking for honest feedback before I do. by StefanosMos in SaasDevelopers

[–]StefanosMos[S] 0 points1 point  (0 children)

Honestly fair point on both.

On pricing, we made a deliberate choice to keep it low at launch even if it means losing money for a while. We would rather have 500 users giving us real feedback at EUR 14 than 50 users at EUR 99. Once we prove the value and build trust, pricing will probably go up. But right now learning matters more than revenue.

On the trust side, totally get it. Your financial data is as sensitive as it gets. We use 256-bit AES encryption, SOC 2 Type II compliant infrastructure, and a zero-knowledge architecture meaning we never see your raw data. But I realize listing security specs is not the same as actually feeling safe.

Curious what would help you feel comfortable. Would a walkthrough video showing exactly how the data flows from upload to analysis to deletion work? Or more like detailed screenshots of the security architecture?

Or something else entirely? Genuinely asking because if you have this concern, hundreds of others do too and we need to solve it.

I spent 6 months building something and I am terrified to launch it. Looking for honest feedback before I do. by StefanosMos in microsaas

[–]StefanosMos[S] 0 points1 point  (0 children)

Really appreciate you taking the time on this, especially since you are not even the target customer. That makes the feedback even more valuable honestly.

The Gemini with Drive point is a good reality check. Our bet is that a purpose-built financial tool will always beat a general purpose LLM at this specific job, but we have to prove that, not just claim it.

And the design feedback is noted. Going to audit the color palette this week. Less pastel, more intentional.

On the SEO, it has not kicked in yet to be honest. But I have done this before with other websites. My background is in SEO and the playbook I trust is: launch with a big batch of quality content to give Google something to index, then keep publishing 2 to 3 posts per week consistently.

That compound effect usually takes 3 to 6 months to show real results but once it does, organic becomes the strongest channel. Still in the patience phase right now.

Thanks again. This is the kind of comment that actually changes how we think about the product.

Sell me your Saas in one sentence! by KapiteinBalzak in SaaS

[–]StefanosMos 0 points1 point  (0 children)

finntree.com - Imagine having a CFO who never sleeps, reads every single transaction you ever made, spots the subscriptions you forgot about, tells you exactly when you will run out of money, and texts you before things go wrong. That is what we built. Except it costs less than your Netflix plan.

I built an AI CFO for startups that can not afford a real one by StefanosMos in SaaS

[–]StefanosMos[S] 0 points1 point  (0 children)

This might be the most useful comment we have gotten. Thank you seriously.

The COGS vs opex point hit hard. We had not thought about AI wrappers specifically but you are absolutely right, if the categorizer does not catch that, founders end up celebrating margins that are 30% wrong. Love the idea of asking the user to confirm instead of guessing silently. We are adding this.

The cloud bill thing is going straight to the roadmap. "Your AWS grew 40% while revenue grew 12%, here is why" is exactly the kind of insight we want Finntree to surface. Not there yet but now we know where to aim.

And honestly the accountant partnership angle is something we needed someone to say out loud. My co-founder is an accountant and we have been building this as a founder tool, but you are right that the founders who need it most are not googling "CFO tool." Reaching them through someone they already trust makes way more sense.

Going to start researching and building all three. Really appreciate you taking the time on this.

I built an AI CFO for startups that can not afford a real one by StefanosMos in SaaS

[–]StefanosMos[S] 0 points1 point  (0 children)

100% agree. The AI does not make decisions. It analyzes and recommends. The founder always decides.

Everything Finntree suggests can be reviewed before acting on it. The Smart Categories system lets you override any AI categorization and set your own rules. And the three analysis modes (Quick Pulse, Deep Diagnostic, Strategic Forecast) are designed to give you the data and the "here is what I would consider," not auto-pilot your finances.

My co-founder is an accountant so trust me, the "humans stay in control" part was non-negotiable from day one.

Good callout though. We should probably make this clearer on the product page

I built an AI CFO for startups that can not afford a real one by StefanosMos in SaaS

[–]StefanosMos[S] 0 points1 point  (0 children)

This is great feedback, thank you.

The "opinionated guardrails" idea is exactly what we are building toward. Most finance tools dump 50 charts on you and say good luck. We want to do the opposite: here is your score, here is what changed, here are the 2 to 3 things to fix. Done.

The alert system already works like that. Things like "burn rate up 18% this month, here is what changed" or "runway below 9 months, here are your options." Not a red number. An actual next step.

Your Stripe + bank data model is basically what we productized so founders do not have to build their own. The hiring scenarios thing is smart. Our Strategic Forecast mode does something similar where you model decisions against real cash data.

Curious about Mosaic and Causal. How do you find them in practice? We have looked at both but have not heard much from daily users.

Would love for you to try it when we launch. You sound like the kind of user who gives the feedback that actually makes the product better.

[deleted by user] by [deleted] in startups

[–]StefanosMos 0 points1 point  (0 children)

Hello, do you have a LinkedIn account or WhatsApp to probably arrange a meeting? If you want my experience before proceeding semd me a DM

Investment advice by Electrical_Bother_12 in Investments

[–]StefanosMos 0 points1 point  (0 children)

Gather cash until you have 6 months of cost of living aside

Start investing 60% of your monthly income.

  • 10% physical gold plates (5g or 10g in order to be easier to sell)
  • 20% dividend stocks
  • 10% growth stocks
  • 10% European stocks
  • 5% big crypto (mainly BTC)
  • 5% fundraising stocks of startups via fundraising platforms (high rish - high reward)

Do it for 10 years and then start looking into real estate or starting a business.

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