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America's Small Business Payroll Service

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Thousands of very happy clients across the entire United States
Growing fast, rapidly accelerating acquisition rate
US small business market is 30+ million
Only about 1 million use a payroll service
Most clients paying for at least one premium service
Rated by clients 4.8/5 in service and support

Our Team

We noted that virtually all payroll services charge fees, including a base fee, plus fees per employee or check.  As a result, the smallest companies are charged the largest amount per employee or check. By focusing on the very small business, addresses a great need for a very under-served market.

America's Small Business Payroll Service

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If you would like to personally discuss this investment with the President of, please click here to schedule a call! is a payroll service, much like ADP or Paychex, except that we focus on very small businesses and offer our basic payroll service free of charge.

There are 25 million small businesses in the United States with fewer than 5 employees! Fewer than 1 million use a payroll service. Virtually all other payroll services charge a base fee per payroll run or month, and additional fees per paycheck or per employee, so their smaller clients are charged much more per paycheck than their larger clients. 

Each year, the IRS assesses more than $4 billion in payroll tax penalties to more than 3 million small businesses. Small businesses have an urgent need for an affordable payroll service. With clients in all 50 states, is best positioned to serve the needs of this vast, underserved market.

Our free service is rich with features, including accommodating different paid leave time accrual policies, multiple wage rates and departments, an online portal for employees, and much more. We also offer some optional services for which we do charge small fees.

Our small business owner clients typically manage the payroll function directly (unlike larger companies where payroll is handled by a controller or HR department). They provide a very valuable target market for advertisers who offer products and services for business use.

Our primary revenue will come from partnerships with companies that offer services that can be integrated into the application. These include a unique Healthcare Plan with no deductible, costing less than half of other small business plans; independent insurance agencies providing workers comp, employee background checking services; community banks offering ACH services; job posting services; and others. Revenue will also be generated from advertising that is displayed on the payroll software application from other companies, both local and national, offering goods and services to our clients.

We are poised for explosive growth. We have software compatible with regulations in all 50 states, a growing client base of 4,000+ with a rapidly increasing rate of new client acquisition, and we are not spending anything yet on marketing! 

Funds from this sale of equity in our company will allow us to complete the technology to greater automate operations and to begin a marketing program that will help us reach our potential. I hope you will join us as a shareholder, and that you too will benefit from that growth. If you would like to discuss this opportunity with me personally, please schedule a phone call with me by clicking here."

- Mike Rosenberg, President


We began in 2013, our first full year, with 2 clients in one state. Since then, we have completed additional programming to automate many back-office functions and accommodate regulations for all 50 states. We added training videos to ease new client intake. Our client base now exceeds 4,000 clients in all 50 states. Currently, we spend absolutely nothing on marketing - new clients find us searching on the web, or are referred by other clients and accounting firms.

There is a tremendous demand for our services. is the welcome solution to the very small businesses we serve, because virtually all other payroll services charge fees structured so that the smallest clients pay the most per employee. There are more than 25 million businesses in the United States that have fewer than 5 employees. In addition to those of our clients who have switched to us from other payroll services, many of our clients had previously used no outside payroll service at all.

On-boarding new clients has largely been a manual process, which up to now has limited the rate at which we could add new clients. Thanks to your initial investment, we have already implemented new, automated on-boarding technology in 33 states, and we have seen our acquisition rate more than triple in those states. Use of funds from this campaign will include implementing automated on-boarding in the remaining states.

After fully implementing the on-boarding technology, we will begin an aggressive marketing program that includes national radio advertising and reaching out to trade associations and franchisors of small businesses. We look forward to earning a significant market share of the small payroll service business from this gigantic, underserved market.


An important issue for all investors is the value of their investment. For start-up companies that have not yet established revenue and profitability, the valuation can seem somewhat arbitrary.

To determine a valuation for, we calculated the value per client for several other payroll service companies (valuation divided by number of clients). For ADP, the largest payroll company, that value is $93,000 per client. For Paychex, the value per client is $60,000. For Gusto, which is not yet publicly traded, the value (set by venture capital investments) is $50,000 per client.'s value for this campaign is less than $4,000 per client. This means that not only should's value increase with the growth of its client base (based on initial per client value), but as its client base reaches critical mass, it will also allow for significant revenue growth from advertising partners, which will increase the per client value exponentially. Prospective investors should be very encouraged by this great growth potential.

WHAT PART OF FREE DON'T YOU UNDERSTAND? is distinguished from all other services by:

(1) Price

(2) Service

(3) Revenue Model

The client can be characterized as the owner of a very small business who is not necessarily an expert in payroll or accounting. Our entrepreneur clients run payroll themselves, logging in to enter hours worked, print checks and reports, and maintain employees (unlike larger companies where the payroll function is handled by a controller or HR department).


Our average-size client has 3.8 employees. Our free services are very attractive to clients when compared to the cost of other services. Based on the choice of clients to use some optional fee-based services, our clients actually pay an average of $10.15 per month. ADP and Paychex are far more expensive for companies with 4 employees ($129.20 and $103.55 per month, respectively for semi-monthly payrolls, based on rates reported by clients who switched from those services). And lower cost services, like Gusto and Quickbooks Online, charge $63.00 and $61.00 per month, respectively (based on rates shown on their websites as of 2/1/2022). is clearly the best value for the small business owner.

Service is accredited by and enjoys an A+ rating with the Better Business Bureau. We provide the highest level of personal service, and were rated 4.8 out of 5.0 by our clients in service and support. Our clients often need an extra level of assistance during the early stages of using a payroll service, but this investment in service often pays good dividends, because after a short period of time, most become more confident and independent in the use of our service. Our type and size client is often an "annoyance" to larger payroll services, who tend to focus on their larger, more profitable clients. We often hear stories from clients about their bad experiences with well-known payroll service companies that they have used previously.

Revenue Model

Our clients represent a great target market for companies who offer goods and services of interest to small business owners. Our technology provides for advertising in the business application: "skyscraper” ads on the right side of the screen and "leaderboard” ads at the top of the screen rotate to allow multiple ads to appear in succession. Advertisers are assured a monthly per client minimum of 12 impressions with a minimum duration of 10 seconds, with a potential of 180 advertisers (based on average time spent per month by a client). The ads do not interfere with the clients’ payroll work, and when a client chooses to click on a particular ad, they will be directed to the advertisers designated landing page.

In addition, also has technology to print ads, such as coupons, on employee paystubs and to show them to employees when they access their pay information on the employee portal.

The concept of providing free service supported by advertising is not new. Radio and television has long provided free programming, supported by advertising. More recently we have seen the likes of Google, YouTube, Facebook, LinkedIn, and others, all providing free service supported by advertising. is unique in applying this revenue concept to business software applications. We believe we are in the best position to take advantage of this revenue model because (1) our marketplace of very small businesses (25 million+) is large enough that even a relatively small market share can produce a very large client base, (2) our client base represents a narrowly-defined key target for many advertisers, and (3) because our clients regularly and reliably log on to to take care of necessary business functions, advertisers can justifiably rely on receiving the exposure for which they pay.

HOW WE MAKE MONEY has two major sources of revenue: (1) client fees for optional services and (2) advertising.

(1) CLIENT FEES: Clients pay fees for optional services including Payroll Tax Service, Direct Deposit Service, and when paying more than 25 employees. Currently, fees from clients average $10.15 per month per client.

(2) ADVERTISING REVENUE: With sufficient success in our fundraise efforts, we are projected to reach 20,000 clients within two years, at which point we expect to begin to attract many advertisers. offers easily auditable longer-duration advertising impressions that provide assurance that advertising dollars are not wasted on fraud. An article in Adweek (February 21, 2016) indicated just how scary is the problem of fraud in advertising:

Long a dirty little secret of the digital media business, the topic of ad fraud has been thrust front and center in discussions among agency executives, advertisers and publishers over the last three years. Bot traffic, or nonhuman digital traffic, is at its highest ever, and recent projections from the Association of National Advertisers have more than $7 billion in advertising investment wasted.

Four different categories define our advertising opportunities:

(a) Display Advertising

Ads appear on the right side of the screen (skyscraper ads), and at the top of the screen (leaderboard ads) within the payroll application, where clients enter hours worked, print checks and reports, and maintain employee data. Advertisers can be local, regional, or national, and can include a wide range of product and service categories, including those directed to the business (office supplies and equipment, credit card processing, business loans, telecom, IT, etc.) and those directed to the business owner personally (electronics, jewelry, automobiles, etc.). will also offer premium ads, where we genuinely vet the advertiser and the offerings, and provide our endorsement.

(b) Payroll-Related Partnerships

Almost all businesses are required by law to purchase workers compensation insurance. Insurance carriers (and their affiliated agencies) who partner with payroll companies offer their clients the major advantage of a "pay-as-you-go" option, rather than requiring six months’ advance payments. ADP and Paychex own in-house agencies and are among the largest agencies in the U.S. They actually compete with the independent insurance agencies. will refer new clients to agencies who partner with us, for which they will pay advertising fees. This relationship benefits the client, the agency, and

There are some 6,000 community banks, with 60,000 total branches in the U.S. These banks, which make a major share of loans to small businesses, face competition for depositors from the largest national banks.

An article in the Wall Street Journal (March 23, 2018) stated:

Last year, about 45% of new checking accounts were opened at the three (largest) national banks even though those lenders had 24% of U.S. branches, according to research by consulting firm Novantas. Regional and community banks, by contrast, had 76% of branches but only got 48% of new accounts..."The biggest banks are winning," wrote Tom Brown, CEO of hedge fund Curve Capital LLC, last month. "Small banks should be very concerned."

Community banks that partner with will be referred new business accounts, which will enjoy reduced fees for optional services. The banks will also benefit from fees which will pay to those banks for ACH transactions on behalf of their mutual clients. The banks, in turn, will pay advertising fees as they benefit from new business accounts referred by

(c) Employee Stub Coupons

Have you noticed the ads and coupons on the back of the register receipt from the grocery store? I don't know how many people look at them, but advertisers do pay for this exposure. Coupons ranging from free promotional giveaways from local retailers to discounts for pizza from national chains can be offered on the printed paystubs of employee checks or on the electronic employee pay advice accessed via the employee web portal. And employees do look at their pay checks and stubs!

(d) Client Premium Ads can allow for clients to list the goods and services they wish to offer to other clients in a listing available in the payroll software. These listings can appear to other clients locally, regionally or nationally, can be searched by category or by any number of key words, and will contain a link to a designated web page. The basic listing will be free to all clients. Clients will have the opportunity to pay a small fee for a larger, more attention-getting listing if they so choose.

We are projected to reach break-even with a total revenue of only $25 per client per month, as we reach the 30,000 client level. With more than 40% of that coming from client fees alone, we expect to see ad revenue grow and reach impressive profitability within three years.

FULL-FEATURED PAYROLL SERVICE has the ability to handle the most sophisticated payroll needs, even for the largest companies. But even the smallest businesses will often need some of our flexible capabilities, and appreciate our ability to handle all kinds of special payroll situations, some of which are not handled even by the largest payroll services.

Employers can pay both W-2 employees and 1099 contractors. Salaried and hourly employees can be paid at different rates for different job categories, shift differentials, bonuses, commissions, and literally any and every kind of earnings. We provide automatic warnings and automatically calculate makeup wages for restaurants and other employers with tipped employees.

Earnings can be allocated to different job categories for appropriate allocation for accounting and workers comp rates. clients can connect to most electronic time clocks for automated entry.

In addition to automatic calculations for all payroll taxes, accommodates custom deductions (including pre-tax) and benefits, including those with complex calculations (such as garnishments that vary based on amount of pay or even other withholdings). also handles businesses with employees who are taxed in multiple states and cities. accommodates calculations of accrued earned benefit time (vacation, sick, PTO, etc.), according to virtually any kind of policy. Available hours can optionally be printed on employee pay stubs, or displayed electronically on the Employee Portal.

Invest in Today!

With 25 million + very small businesses, all of whom can substantially benefit from our services, has the potential of growing its client base exponentially. As our client base grows, we expect to become very valuable to advertisers for whom our clients represent a key target market. Your investment will provide the funds for marketing, added personnel, and additional automation of back-end processes. Our revenue model should ultimately provide us with more revenue per client than many of the fee-based services, all while providing a fabulous deal for small businesses and a great opportunity for appropriate advertisers. This really is a win-win-win for everyone, especially investors who take advantage of investing in at this early stage. If you would like to personally discuss this investment with the President of, please click here to schedule a call!