Ad revenue. Brand deals. Digital products. Memberships. Creator income is complex, irregular, and taxed in ways most accountants get wrong. Build the system before the revenue scales.
Sequence matters. Each stage unlocks the next. Skipping ahead creates problems that are expensive to fix later.
Every tool mapped to its job. Affiliate disclosure — some links earn commissions. Doesn't affect recommendations.
| Layer | Tool | Why this one | Cost | Hub |
|---|---|---|---|---|
| 🏦 Banking | Built-in tax sub-accounts let you automatically bucket 25–30% of every deposit. Essential for creators with irregular, high-tax income from multiple platforms. | Free | Hub → | |
| 📊 Accounting | Genuinely free accounting for creators who aren't yet at the revenue level where FreshBooks makes sense. Upgrade to FreshBooks at $10K+/month. | Free | Hub → | |
| 💳 Credit | Creators often have non-traditional income that makes business credit harder to build. Nav shows you exactly what lenders see and how to improve it. | Free → $49/mo | Hub → | |
| 💼 Card | 2% cash back on everything — simple rewards for creators whose spending doesn't fit into fixed categories like travel or office supplies. | See terms | Hub → | |
| 💰 Funding | Once you have 12+ months of banking history, Lendio can match you with a business line of credit for equipment, production, or growth. | Variable | Hub → |
These are the patterns that cause financial pain later. Most are preventable in the first 90 days.
What to do, in what order. Month by month.