“Can an AI-native outsourced back office become the default finance function for every SMB and startup in the US?”
Founded 2016 as a modern outsourced bookkeeping service on top of QuickBooks Online, aimed at YC-style startups. Expanded from bookkeeping into tax, R&D credits, stock administration, and fractional CFO/COO services — becoming the largest startup-focused accounting firm in the US. In 2025 pivoted upmarket and toward AI, launching Meridian as an 'AI operating system for accounting firms', integrating OpenAI and Anthropic as core subprocessors.
Pilot.com processes payments through Stripe.
Pilot.com connects to bank accounts through Plaid.
Pilot.com integrates with QuickBooks.
The Embedded Finance Index 2026 maps 3 layers in Pilot.com's stack: Payments / PSP (Stripe); Open banking (Plaid); Accounting (QuickBooks).
Pilot.com was founded by Waseem Daher, Jessica McKellar and Jeff Arnold and is founded in 2016, headquartered in San Francisco, CA (with Nashville office).
Pilot.com has raised $212.1M in total (latest round: Series C).
Get a read on where your own stack stands against Pilot.com and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.