LohnFlow

The Problem

Swiss SMEs are trapped in a compliance nightmare. Payroll calculations (AHV, ALV, SUVA) are complex, error-prone, and often still managed in Excel spreadsheets. Meanwhile, receipt digitization is a fragmented mess: scan → OCR → manual entry → duplicate work. Fiduciaries and accountants spend hours fixing preventable mistakes.

What We're Hearing

AHV/ALV/SUVA-Abrechnungen sind kompliziert und fehleranfällig — Treuhand Müller AG

Belege digitalisieren ohne alles doppelt machen — BDO Switzerland

The pain is two-fold:

1. **Payroll risk**: Manual calculations miss MWST, cantonal deductions, and statutory deadlines. One error = penalties + audit exposure.

2. **Receipt chaos**: SMEs scan invoices but then re-enter data into their accounting system. It's slow, duplicative, and prone to transcription errors.

The Opportunity

Build a **unified Swiss payroll + receipt-to-ledger automation platform** that:

- **Handles payroll compliance automatically**: AHV/ALV/SUVA calculations, MWST handling, cantonal variations, statutory reporting—no Excel required

- **Digitizes receipts in one tap**: Scan or upload → AI OCR extracts vendor, amount, date, category → auto-posts to accounting ledger (via Bexio/AbacusCloud API)

- **Integrates with existing tools**: Connects to Bexio, AbacusCloud, and bank feeds to eliminate manual entry

- **Targets fiduciaries + SMEs**: Fiduciaries (Treuhand, BDO, KMU-Verbände) are the distribution channel; SMEs are the end users

**Why now?**

- Swiss compliance burden is increasing (digital tax reporting, MWST thresholds)

- AI OCR is now reliable enough for Swiss invoices

- SMEs are desperate to move away from Excel

- Fiduciaries need tools to scale advisory work without hiring

**Revenue model**: SaaS subscription (€29–99/month per SME) + white-label licensing to fiduciaries.