Archie

What Archie does

Archie (legally You & Archie, Inc.) is a Brooklyn-headquartered SaaS platform that enables small businesses to onboard, manage, and pay creative freelancers on flexible terms. The platform operates as a two-sided marketplace with a Business portal (in beta) for companies that hire freelancers and a Freelancer portal (apply-to-join) for independent workers, sitting on a shared payments and 1099-tax-compliance backend. Core capabilities include instant freelancer onboarding, one-click invoice payments, transparent invoice tracking, set-it-and-forget-it 1099 filings based on a single reusable W9, and an embedded Net-1 financing product that lets businesses pay on extended terms while paying freelancers within 24 hours of project completion. The technical foundation is a Node.js/TypeScript backend with GraphQL/Apollo, TypeORM, and TypeGraphQL running on AWS (Beanstalk, Amplify, Cognito), with PostgreSQL and DynamoDB for data, Redis and ElasticSearch for caching and search, a React/Next.js frontend, and native integrations with Plaid (bank linking) and Dwolla (ACH payments).

Archie's business model combines a SaaS subscription on the business side with transaction-based economics on the embedded Net-1 financing spread and an affiliate/referral component through its freelancer referral program. Pricing is quote-based and gated behind a demo request / beta signup, reflecting an early-stage B2B sales motion. The company was founded in January 2021 by Yunas Reguero (ex-Facebook/Instagram Commerce & Payments, Square), Dylan Hattem, and Cassandra Aaron, with a founding team of roughly ten people drawn from Google, Facebook, Venmo, and Square. The company has raised approximately $5.5M in total funding, most recently a $4.5M seed round in March 2022 from B Capital Group, MaC Ventures, Worklife VC, and Hof VC alongside strategic angels from Cameo, Ramp, Facebook, Lambda School, and Eight Sleep, with stated use of funds to expand its financial services offering for freelancers and businesses.

Name

Archie

Legal name

You & Archie, Inc.

Website

https://witharchie.com

Company type

Private

Founded year

2021

Operating status

Operating

Headcount range

11–50 employees

Short description

Archie is a SaaS platform that lets small businesses onboard, manage, and pay creative freelancers on flexible Net-1 terms, with automated 1099 filings and accelerated payouts for freelancers within 24 hours.

Ownership category

akta.pro rank

Product category

Freelancer Payroll & Payments Software

NAICS

Activities Related to Credit Intermediation (5223)

SIC

Short-Term Business Credit Institutions (6153), Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

Embedded Lending & Credit (POS, Working Capital, Credit Lines) (FSAGALAD)

akta.pro secondary industries

Merchant Cash Advance & Revenue-Based Financing Enablement (FSAGALAH), SME Lending Platforms & Embedded SME Credit (FSAKAGAJ), SME Credit Underwriting, Scoring & Risk Analytics (FSAKAGAL)

Keywords

• Freelancer payment platform
• Contractor management software
• 1099 payroll automation
• Embedded invoice financing
• Gig economy SaaS

Headquarters

HQ city

New York

HQ country

United States

HQ region

North America

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Marketing or Sales, Infrastructure, Operations

Revenue model

1. SaaS platform subscription (business side): Recurring software fees paid by small businesses to use Archie's onboarding, management, and payment automation platform; aligned with the '1099 process' / payroll positioning.
2. Embedded financing spread (Net-1): Revenue captured on the spread/margin of the embedded financing product, where businesses pay on extended Net-1 terms and freelancers are paid early — classic marketplace / working-capital style economics.
3. Freelancer referral fees: Freelancers can 'Unlock Referral Fee$' by referring businesses to Archie, indicating a referral/affiliate revenue component tied to new business sign-ups.

Pricing tiers

Go-to-market motion4 records

Core offering

Archie is a SaaS platform that lets small businesses onboard, manage, and pay creative freelancers on flexible Net-1 payment terms. The platform combines instant freelancer onboarding, invoice lifecycle management, one-click payments, and set-it-and-forget-it 1099 tax filings, and pairs these with an embedded financing product that lets businesses pay on extended terms while freelancers receive payment within 24 hours of project completion.

Product overview

Archie is a single unified platform for contractor and freelancer management, with two primary product surfaces (a Freelancer portal and a Business portal) operating on a shared payments and 1099 compliance backend. The Freelancer product gives independent workers financial control and accelerated payment (paid within 24 hours of project completion, claim $200 onboarding bonus). The Business product gives small businesses instant onboarding, transparent invoice tracking, one-click payments, set-it-and-forget-it 1099 tax filings, and an embedded Net-1 financing solution that lets businesses pay on flexible terms while freelancers are paid quickly. Together, the Freelancer and Business products form the two sides of Archie's freelancer payroll platform, supported by core platform capabilities such as Invoice Lifecycle, Campaign Management, Accounting & Reporting, and integrations with payment providers (Plaid, Dwolla).

Differentiator

Problem solved

Functional benefit

Products and services

• Archie for Business Business-facing product that lets small companies onboard, manage, and pay creative freelancers in one place, with embedded financing that offers flexible Net-1 payment terms to freelancers, transparent invoice tracking, one-click payments, and automated 1099 tax filings. Launched in beta and gated by a "Join our beta" / "Request Demo" sales motion.
• Archie for Freelancers Member-facing product that gives freelancers "structure, control, and financial security" with the ability to be paid within 24 hours of completing a project, full-time-style benefits, a single reusable W9, and a $200 onboarding claim; access is invite/apply-based.
• Archie Platform (Contractor & Freelancer Management Platform) Archie's umbrella platform for the creative/gig economy, marketed as building "a better-served creative economy with tools for businesses and the freelancers they hire." It spans cashflow management, immediate payments, onboarding, contracts, invoicing, and 1099 tax filings across the Business and Freelancer product surfaces.

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature6 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Deel: Global payroll and contractor management platform that lets businesses onboard, pay, and manage freelancers and full-time employees across countries. Directly comparable to Archie in targeting the freelancer/contractor onboarding, compliance, and payment workflow, though at much larger scale and with a global footprint.
• Remote: Global HR platform for hiring, paying, and managing distributed teams and contractors worldwide. Closely comparable to Archie's contractor onboarding and payment proposition, with deeper international coverage and a heavier compliance tilt.
• Bonsai: All-in-one freelancer business management suite covering contracts, proposals, time tracking, invoicing, and taxes. Comparable to Archie's freelancer-facing portal for creative/independent workers, particularly around invoicing and tax workflows.
• Fiverr Workspace (formerly AND CO): Freelancer business management tool from Fiverr offering contracts, invoicing, time tracking, and tax assistance to independent workers. Directly comparable to Archie's freelancer portal, especially for the creative/freelancer segment.

Broad incumbents

• Gusto: Established SMB payroll, benefits, and HR platform serving small businesses across full-time W-2 and increasingly 1099 contractor payments. A broader incumbent whose contractor management surface competes directly with Archie's business-facing portal.
• Rippling: Unified HR, IT, and finance platform for SMBs and mid-market with native contractor management and payments. A broad incumbent that overlaps with Archie's contractor onboarding/payment workflow inside a much wider product surface.
• QuickBooks Solopreneur / Intuit: Mainstream small-business accounting and tax platform from Intuit with built-in 1099 tracking, invoicing, and contractor management. Competes with Archie's invoicing/1099 automation by offering these capabilities inside an accounting suite that SMBs already use.

Emerging players

• Ramp: Corporate card and spend management platform increasingly expanding into bill pay, vendor management, and contractor payments. Comparable as a fintech strategically backed by the same angel network as Archie, and as a potential competitor on the business-spending/contractor-payment surface.
• Papaya Global: Global payroll and workforce management platform with strong contractor/EOR capabilities for distributed teams. Partially comparable to Archie for its freelancer/contractor payment surface, particularly for cross-border use cases Archie does not yet serve.

Others

• Mercury: Banking and treasury platform for startups and SMBs, offering business accounts, bill pay, and integrations into accounting/payroll workflows. Comparable as fintech infrastructure that touches the same SMB payments stack Archie operates in.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Instagraminstagram.com/with_archie
• Xx.com/with_archie

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds3 records

Investors9 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Archie