The operator stack

Every tool, sorted by job.

The full stack we recommend to funded operators. Some pay us a referral fee when you sign up — it doesn't cost you anything and helps fund free strategy calls.

01

Banking & treasury

3 tools

Modern business banking. Free, no monthly fees, treasury yield on idle cash.

Multi-account banking — clean envelopes for taxes, payroll, ops.

Cash management + corporate cards for venture-style cashflow.

02

Card processing

3 tools

POS + payments for restaurants, retail, services. Easiest to set up.

Restaurant-grade POS — inventory, labor, online ordering all in one.

Best-in-class for online + subscriptions + product businesses.

03

Payroll & HR

3 tools

Simple payroll + benefits for under 50 employees. Owners love it.

Payroll + HRIS + IT — bigger feature set for 25–200 employee shops.

PEO model — they're the employer of record. Better benefits, less compliance.

04

Accounting

3 tools

QuickBooks Online

Industry standard. Required by most lenders + accountants.

Done-for-you bookkeeping for owners who don't want to learn QBO.

Premium bookkeeping + CFO services for $1M+ revenue businesses.

05

Marketing

4 tools

Review generation + reputation management. Essential for local businesses.

Text-based reviews + customer messaging for service businesses.

Email + SMS for e-commerce. Best-in-class for repeat-purchase businesses.

Email marketing for service-based businesses.

06

CRM & sales

3 tools

Full CRM + marketing automation + sales pipeline.

All-in-one CRM + marketing for agencies + service businesses.

Lean sales pipeline tool — perfect for B2B with longer sales cycles.

07

Vertical software

5 tools

Gold standard for HVAC/plumbing/electrical. Full ops + dispatch + payments.

Lighter ServiceTitan alternative — great for smaller trades shops.

Booking + payments for salons, spas, fitness studios.

Auto repair shop management. Quotes, invoices, parts, labor in one place.

Class scheduling + payments for gyms + wellness.

08

Communication

3 tools

VOIP business phones + call routing + texting from your business number.

AI-powered calling w/ transcripts + call coaching.

Modern business phone for small teams. Texting + voicemail transcripts.

09

AI tools

4 tools

AI voice receptionist. Answers calls 24/7 + books appointments.

AI phone calls for outbound + inbound. Custom voice agents.

Build custom voice AI for your business workflows.

OpenAI for the whole team. Best general-purpose AI for ops.

10

Insurance

3 tools

Small business GL + professional liability. Fast online quotes.

Trades + service businesses. GL, workers comp, commercial auto.

GL + BOP policies in minutes for small businesses.

11

Automation

3 tools

Connect any two apps without code. Indispensable for ops.

More powerful Zapier alternative for complex workflows.

Open-source workflow automation. Self-host for free.

12

E-commerce

2 tools

The default for any product business. Best ecosystem + tooling.

Enterprise-grade ecommerce for larger product catalogs.

13

Scheduling

3 tools

Booking links for sales + customer calls.

Employee shift scheduling + time clock.

Free scheduling + time tracking for shift teams.

Not sure which to use?

On your strategy call we'll help you pick the stack that fits your business — and set it all up if you want.

Book a stack review