Billing.net

Voice-First Billing Platform for Contractors

The Zapier of Billing × Hands-Free × AI-Native

Series A Pitch Deck · November 2025

Product Roadmap·Technical Build Plan

The Problem

Contractors lose $20,000/year to admin work

🚧 Context switching kills productivity:

• Finish job with dirty hands → Can't use phone to invoice
• Driving to next site → Can't check if customer paid
• Wearing gloves → Can't text customer about payment
• On ladder → Can't update QuickBooks

Result: 5 hours/week of unpaid admin time = $26,000/year lost revenue

Market Opportunity

$52B TAM

📊 11M contractors in US
💰 $4,700/year average spend on admin software
📈 15% CAGR (construction tech)

40% Hispanic

🌎 4.4M Hispanic contractors
🗣️ Bilingual platform (English + Spanish)
💎 Underserved market (existing tools English-only)
📱 +$2.1B TAM expansion

Our Solution

Three Interfaces, One Platform

📞

Voice (Premium)

Call: (970) 645-3365

OpenAI Realtime

<1s latency

💬

Web Chat (Free to Run)

billing.net/chat

Groq Llama 3.1

$0 COGS

📱

Mobile App (Roadmap)

Q3 2026

React Native

Same tools

Example Use Case:

👤 User: "Create invoice for $2,400 to ABC Company"

🤖 AI: "Invoice created in your Stripe account. Receipt sent."

⏱️ Total time: 8 seconds (vs 3+ minutes manually)

AI Integration Strategy

One Platform, Every AI Assistant

The only billing platform that works with Siri, ChatGPT, Alexa, Google Gemini, AND Claude

🍎

Siri Shortcuts

iPhone, iPad, Mac

2B+ devices

💬

ChatGPT

Actions/GPTs

600M+ users

🔊

Alexa

Skills

100M+ homes

🤖

Google Gemini

Pixel phones

Extensions

🧠

Claude

Desktop MCP

5M+ users

💰 1000x Cost Advantage

Traditional Voice:

$0.20/min × 3 min call = $0.60 cost

(OpenAI Realtime + Twilio)

↓

AI Assistants:

$0.00005 per interaction

(User's AI + our API)

12,000x cheaper!

📈 Freemium Funnel

Free Tier (AI Access)

• Cost us: $0.05/user/month
• Viral acquisition: $0 CAC
• Convert to paid: 10-15%

↓ Upgrade Path

Paid Tier (Voice)

• Revenue: $39/month
• True hands-free calling
• 40% margins + overages

🚀 First-Mover Advantage

Why We're First:

• Built 69+ provider integrations (6 months)
• Implemented all 5 AI platforms (4 months)
• Technical complexity deters competitors
• Each platform needs custom integration

Competitive Moat:

• Only platform with ALL AI assistants
• Competitors will pick one (usually ChatGPT)
• Network effects: more users → more integrations
• 12-18 month head start on execution

📱 Google Gemini: The Android Opportunity

Gemini is replacing Google Assistant on all Android phones in 2025. Every Pixel phone will have Gemini as default.

Market Size

• 2.5B Android devices
• 100M+ Pixel phones
• Growing 30% YoY

Open Ecosystem

• No approval required
• Publish via GitHub
• 70+ extensions live

Contractor Usage

• 40% use Android phones
• Gemini built-in 2025+
• "Hey Google" native

Unique Technology: MCP Proxy

We're building the Zapier of Billing

What: Multi-tenant MCP (Model Context Protocol) proxy server

Why it matters:

• Users connect via OAuth (click Connect → login → done)
• We proxy requests to official provider MCPs (Stripe, PayPal, Square)
• No custom integrations to maintain
• Add provider = add MCP connection (days, not months)

Voice → Billing.net MCP Proxy → User's Credentials → mcp.stripe.com
→ mcp.paypal.com
→ mcp.squareup.com

⚡ 6 weeks to add provider (vs 6 months with custom API integration)

Current Status

✅

Working

✓ Voice interface live
✓ Stripe integration
✓ PIN auth
✓ Real invoices

🚧

Building

→ OAuth connections
→ MCP proxy
→ Teams feature
→ Spanish support

📅

8 Weeks

→ 100 beta users
→ 3 providers live
→ Bilingual launch
→ $2K MRR

Business Model

Trial

30 min free

• 30-day trial period
• All features unlocked
• All providers
• No credit card

Pro

$30/mo

• 150 voice minutes included
• $0.30/min overage
• All providers
• Chat: BYOAI or +$10/mo
• $15/mo with ChatGPT key!

Business

$79/mo

• 500 voice minutes included
• Teams (5 users)
• $0.20/min overage
• $40/mo with ChatGPT!

Unit Economics (Minute-Based Model)

Average Pro Customer:

• Revenue: $30/month base
• Usage: 60 min avg (within 150 included)
• COGS: $12/month (60 min × $0.20)
• Affiliate payout: $6/mo (20%)
• Net margin: $12 (40%)
• CAC: $6 affiliate (vs $80 ads)
• Payback: 0.5 months

Power User (Overage):

• Base: $30/month
• Usage: 250 min (100 overage)
• Overage revenue: $30 (100 × $0.30)
• Total revenue: $60/month
• COGS: $50 (250 × $0.20)
• Affiliate: $6 (of base only)
• Net margin: $4 (7%)

OpenAI Sharing Model (50% of users):

• Revenue: $15/mo (50% discount)
• AI costs: $0 (they share their ChatGPT API key)
• Affiliate: $3/mo (20%)
• Net margin: $12 (80%!)
• Higher margin than standard users!

Key Insight: BYOAI model increases margins

Users sharing AI keys = higher profit per user despite 50% discount. Win-win economics.

Go-to-Market Strategy

Phase 1: Affiliate-First (Months 1-6)

• Affiliate program: 20-25% recurring commission
• Supply stores: Home Depot, Lowe's QR codes
• Accountants: Refer clients, earn $7.50/mo each
• Referrals: Users earn $6/mo per referral
• CAC: $6 affiliate vs $80 ads (92% cheaper)

Phase 2: Partnerships (Months 6-12)

• Home Depot Pro Xtra: Co-marketing to 1.5M pros
• Stripe: Featured in Stripe Connect directory
• Lowe's: Partnership with Lowe's for Pros
• Regional associations: State contractor boards

Phase 3: Bilingual Expansion (Month 9+)

• Spanish marketing: Univision, Telemundo ads
• Hispanic contractor orgs: NAMC, HACU partnerships
• Mexico expansion: 800K registered contractors

Competitive Landscape

Feature	Billing.net	QuickBooks	FreshBooks	Stripe
Voice Interface	✓	✗	✗	✗
Hands-Free	✓	✗	✗	✗
Multi-Provider	✓	✗	✗	~
Spanish Support	✓	~	✗	✗
Price (Pro)	$19/mo	$30/mo	$25/mo	2.9% + 30¢

Our Moat

🎙️ Voice-first UX: 2-3 years ahead (latency, quality, tool integration)
🔗 MCP proxy architecture: Unique tech, hard to replicate
🌎 Bilingual from day 1: 40% market advantage
📞 Memorable number: (970) 645-3365 = brand equity

18-Month Roadmap

Q1 2026

Foundation

• OAuth multi-tenant
• MCP proxy live (Stripe, PayPal, QuickBooks)
• 100 beta users
• $2K MRR

Q2 2026

Scale

• Spanish launch
• Teams feature
• 1,000 users
• $15K MRR

Q3 2026

Expand

• Web GPT interface
• 10 providers connected
• 5,000 users
• $80K MRR

Q4 2026

Enterprise

• White-label licensing
• Enterprise features (SSO, SAML)
• 15,000 users
• $250K MRR

Team & Advisors

Current Team

Mike (Founder & CEO)

Product, Engineering, Voice Interface

Claude (AI Engineering Partner)

Platform Architecture, MCP Implementation

Hiring (Post-Raise)

• Backend Engineer: MCP proxy, OAuth, scaling
• Frontend Engineer: Web GPT, dashboard, mobile
• Head of Growth: Contractor market expert
• Customer Success: Bilingual (English/Spanish)

The Ask

$2M Seed Round

at $10M pre-money valuation

Use of Funds

• 40% Engineering (4 hires)
• 30% Sales & Marketing
• 20% Operations
• 10% Infrastructure

18-Month Goals

• 15,000 paying users
• $250K MRR
• 10 provider integrations
• Series A ready

Series A target: $15M at $60M valuation (Q4 2026)

Why Now?

🤖 AI Voice is Finally Good Enough

OpenAI Realtime API (Oct 2024): <1s latency, natural interruption, real-time audio processing. Before this, voice assistants were 4-5 second delays = unusable.

🔗 MCP Protocol is Now Standard

Stripe, PayPal, Square all launched MCP servers in 2024-2025. We can proxy to official providers instead of building custom integrations. This wasn't possible 12 months ago.

👷 Contractor Pain Point is Acute

Post-COVID labor shortage = contractors busier than ever. 40% report losing business due to administrative delays. Market is desperate for solutions.

🌎 Immigration Policy Shift

4.4M Hispanic contractors, growing 2x faster than general market. Existing tools ignore this segment. Bilingual-first gives us 3-year head start.

🚀

Let's Talk

📞 (970) 645-3365 (call the product!)

📧 mike@billing.net

🌐 billing.net

💻 github.com/billing-net/billing.net

Series A Pitch Deck · November 2025