Lumen

Seed round · 2026

# The operating system
for solo founders.

One workspace for billing, CRM, contracts and taxes — built for the 70M people running a business of one.

01

PROBLEM

## Solo founders duct-tape
7+ tools to stay alive.

#### Fragmentation

Stripe, QuickBooks, HubSpot, DocuSign, Notion, Gusto, a spreadsheet. Nothing talks.

#### $480/mo wasted

Average solo founder pays for 9 SaaS seats they only half-use.

#### 14 hrs / week lost

Copy-pasting between tools instead of selling.

02

SOLUTION

## Lumen is one spine
for the business of one.

Invoice a client → the payment lands → the tax is reserved → the contract is filed → your dashboard updates. In one app. Without plumbing.

Billing CRM Contracts Taxes Banking
03

PRODUCT

## Built around "jobs to be done".

#### Get paid

Invoices, subscriptions and Stripe/Wise payouts with a single click. ACH, card, wire, crypto.

#### Stay legal

E-sign contracts from templates. Auto-file 1099s and quarterly estimates.

#### Sell smarter

Lead inbox, pipeline, email sequences. No separate CRM.

#### See the business

Live P&L, runway, top customers, churn. One dashboard, zero spreadsheets.

04

MARKET

## A very big small business.

73M
solo businesses in the US + EU
$186B
TAM · horizontal SaaS spend
9.4%
CAGR through 2030

Creators, consultants, indie devs, coaches, freelancers — the fastest-growing segment of the workforce, and the most under-served by tooling.

05

BUSINESS MODEL

## Flat SaaS + payment rake.

#### Starter

$29
/ month · core billing + CRM

#### Pro

$79
/ month · contracts, taxes, banking

#### + Payments

0.4%
interchange rake on processed volume

Blended LTV $1,920 · CAC payback 5 months at current funnel.

06

TRACTION

## 6 months, growing 38% MoM.

$6k Oct
$11k Nov
$17k Dec
$26k Jan
$38k Feb
$54k Mar

2,140 paying customers · NPS 72 · Net retention 118%

07

TEAM

## Shipped at scale before.

MC

#### Maya Chen

CEO · ex-Stripe billing lead. 8 yrs in payments.

RP

#### Raj Patel

CTO · ex-Linear. Built multiplayer sync at 10M users.

EK

#### Elena Kim

Head of Design · ex-Notion. Shipped the mobile relaunch.

THE ASK

## Raising $4.5M seed.

18 months of runway to reach $3M ARR. 40% engineering, 35% growth, 15% compliance/banking licenses, 10% runway buffer.

$4.5M
SAFE · post-money cap $28M
18 mo
runway to Series A
$3M
ARR target by close
Thanks.

maya@lumen.app · lumen.app/investors

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