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Essential accounting and finance guidance for startup founders

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The EU AI Act Lands on U.S. SaaS Companies This August: A Practical Compliance Guide
·mike

The EU AI Act Lands on U.S. SaaS Companies This August: A Practical Compliance Guide

A practical guide for U.S. SaaS founders, foundation model providers, and AI agent builders navigating the EU AI Act before the August 2, 2026 enforcement deadline — covering Article 22 representatives, Article 50 transparency disclosures, GPAI Code of Practice obligations, fine tiers up to 7% of global turnover, and procurement-questionnaire readiness.

ai
compliance
saas
startup
+3
Multi-State Sales Tax Compliance for SaaS and Cloud Software Companies in 2026: A Practical Founder's Guide
·mike

Multi-State Sales Tax Compliance for SaaS and Cloud Software Companies in 2026: A Practical Founder's Guide

A state-by-state operational playbook for SaaS founders in 2026 covering economic nexus thresholds, taxability maps (NY, TX, PA, WA taxable; CA non-taxable), Stripe Tax vs Anrok vs Avalara vs TaxJar trade-offs, true object test for bundled invoices, and VDA strategy for cleaning up historical exposure.

sales-tax
saas
tax-compliance
nexus
+3
Section 1202 QSBS After the One Big Beautiful Bill Act: Tiered Holding Periods, the $15 Million Cap, and Trust Stacking
·mike

Section 1202 QSBS After the One Big Beautiful Bill Act: Tiered Holding Periods, the $15 Million Cap, and Trust Stacking

How the One Big Beautiful Bill Act rewrote Section 1202 QSBS — a tiered 50/75/100% gain exclusion at three, four, and five years; a $15 million per-issuer cap; a $75 million gross asset threshold at issuance; and non-grantor trust stacking that can lift a founder's combined exclusion well past the single-taxpayer limit.

tax
tax-planning
equity
startup
+4
Section 1202 QSBS Exclusion: A Founder's Guide to $15 Million in Tax-Free Gains
·mike

Section 1202 QSBS Exclusion: A Founder's Guide to $15 Million in Tax-Free Gains

Section 1202 lets founders, early employees, and angel investors exclude up to $15 million of capital gains from federal tax. This guide covers the OBBBA changes, the five eligibility gates, the new 3/4/5-year tiered holding period, Section 1045 rollovers, and stacking strategies that multiply the per-issuer cap across family members and non-grantor trusts.

tax-planning
capital-gains
startup
equity
+4
The R&D Tax Credit in 2026: How OBBBA Restored Section 174 Expensing, the Section 41 Four-Part Test, and the $500,000 Payroll Tax Offset for Qualified Small Businesses
·mike

The R&D Tax Credit in 2026: How OBBBA Restored Section 174 Expensing, the Section 41 Four-Part Test, and the $500,000 Payroll Tax Offset for Qualified Small Businesses

OBBBA restored immediate Section 174 domestic R&E expensing in 2026 and gives small businesses until July 6, 2026 to amend 2022–2024 returns. A practical guide to the Section 41 four-part test, the 14% Alternative Simplified Credit, the Section 280C reduced-credit election, and the $500,000 payroll tax offset for qualified small businesses.

tax-credits
tax-planning
tax-compliance
startup
+3
ISO vs. NSO Stock Options: A Startup Employee's Tax Guide to AMT, 83(b), Early Exercise, and the $100K Limit
·mike

ISO vs. NSO Stock Options: A Startup Employee's Tax Guide to AMT, 83(b), Early Exercise, and the $100K Limit

A practical tax playbook for startup employees holding ISOs or NSOs — covering AMT exposure via Form 6251 line 2i, the 30-day Section 83(b) deadline, the two-year-and-one-year qualifying disposition rule, the $100,000 first-exercisable ISO cap, and the 1099-B cost basis error that causes double taxation.

equity-instruments
tax
tax-planning
startup
+3
Accounting for SAFEs: Liability or Equity, Caps and Discounts, and What Happens at Conversion
·mike

Accounting for SAFEs: Liability or Equity, Caps and Discounts, and What Happens at Conversion

A SAFE usually lands in the liabilities column, not equity, because it promises a variable number of shares for a fixed dollar amount. This guide explains the classification debate, the conversion math, and the journal entries from closing to conversion.

startup
fundraising
equity-instruments
capital-raising
+3
Regulation Crowdfunding: How Founders Raise Up to $5 Million From the Public Without Hiring Wall Street
·mike

Regulation Crowdfunding: How Founders Raise Up to $5 Million From the Public Without Hiring Wall Street

Reg CF lets non-reporting U.S. companies sell securities to the public up to $5 million per rolling 12 months through an SEC-registered funding portal. This guide walks through the $124,000 investor limits, Form C disclosure, bad-actor checks, tombstone advertising, ongoing C-U and C-AR filings, and the bookkeeping for SAFEs, offering costs, and escrow that founders most often get wrong.

crowdfunding
fundraising
startup
capital-raising
+4
SaaS Revenue Metrics: Building the MRR Waterfall and Reading What It Says About Growth
·mike

SaaS Revenue Metrics: Building the MRR Waterfall and Reading What It Says About Growth

A 2026 reference for SaaS founders on calculating MRR and ARR, decomposing the five-bucket recurring-revenue waterfall, interpreting NRR/GRR, and reconciling subscription metrics to GAAP revenue under ASC 606.

saas
metrics
revenue-recognition
financial-ratios
+4
How the OBBBA's Tiered QSBS Exclusion Changes the Math for Founders, Employees, and Angels
·mike

How the OBBBA's Tiered QSBS Exclusion Changes the Math for Founders, Employees, and Angels

The OBBBA raised the Section 1202 QSBS cap to $15 million, lifted the gross-asset ceiling to $75 million, and replaced the five-year cliff with a tiered 50/75/100 percent exclusion at three, four, and five years — but only for stock issued after July 4, 2025.

tax
tax-planning
startup
equity-instruments
+4
The Rule of 40 for SaaS Founders: Calculation, Benchmarks, and When to Ignore It
·mike

The Rule of 40 for SaaS Founders: Calculation, Benchmarks, and When to Ignore It

The Rule of 40 says a healthy SaaS company's revenue growth rate plus profit margin should clear 40%. This guide covers how to calculate it, which margin metric to use, 2026 benchmarks (median score around 12%), the Rule of X variant, and when the rule does not apply.

saas
benchmarks
financial-ratios
startup
+3
Section 174 R&D Expensing in 2026: How Software Startups Recover From the TCJA Capitalization Trap
·mike

Section 174 R&D Expensing in 2026: How Software Startups Recover From the TCJA Capitalization Trap

OBBBA's new Section 174A restores immediate expensing for domestic R&D in tax years after December 31, 2024, and qualifying small businesses can amend 2022–2024 returns by July 6, 2026 to recover overpaid tax. A guide to the three coexisting Section 174 regimes, the Section 41 credit add-back, foreign 15-year amortization, and the statement in lieu of Form 3115.

tax
tax-planning
tax-credits
startup
+4
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