004: Building the Financial Sidekick for Solopreneurs with Joyce Medeiros from Investrio

Going solo shouldn’t mean going it alone. Investrio (co-founded by Joyce Medeiros and Laura) is building the financial infrastructure for solopreneurs — creators, freelancers, consultants, and company-of-one founders. Think AI-powered bookkeeping, clean, clear reports, invoicing, and access to funding (grants, SBA options, more) — all in one place and designed for how solo businesses actually run.Joyce shares her journey from Goldman trader → startup operator → financial coach → founder, why legacy tools like Xero/QuickBooks feel built for “finance teams” not one-person businesses, and how Investrio helps you see income, expenses, cash flow, and tax-ready reports without drowning in spreadsheets. We dig into the common money mistakes (ignoring retirement, mixing personal/business, no cash-flow view), why community matters when you’re building solo, and what’s coming next — from smarter automation to broader capital access.If you’re a solopreneur who wants a clearer handle on bookkeeping, taxes, and funding (so you can get back to the work you love), this one’s for you.Key Takeaways:Built for one: Investrio provides financial infrastructure for solopreneurs — not adapted “enterprise” software.All-in-one visibility: Connect accounts, let AI clean and categorise your books (currently ~94% accuracy), then track income, expenses, and cash flow at a glance.Get paid, properly: Invoicing with Stripe/PayPal/Venmo support + clean reports for tax time.Access to capital: A curated grant finder (with Investrio’s own weekly grant) and pathways to loans; long-term vision to help underwrite solos for mortgages, car loans, and small-biz credit using real business data.Designed by insiders: Joyce, Laura, and their engineer Sean all ran solo businesses — the product reflects real-world pain points.Community = unfair advantage: Events, WhatsApp groups, and ongoing user feedback shape the roadmap.Mindset shift: Treat everything as an experiment — test, learn, iterate.Chapters / Timestamps:00:00 — Building financial infrastructure for solopreneurs00:52 — What Investrio is (and who it’s for)02:10 — “Tinder for co-founders”: how Joyce & Laura met03:26 — From trading & a successful exit to financial coaching05:06 — Why focus on the solopreneur (42M Americans)06:59 — Leaving a salary: the first financial hurdles09:45 — Product philosophy: your financial bestie15:50 — How it works: connect, clean up, see the numbers17:45 — Funding hub: grants now, broader capital later18:24 — Automation under the hood (~94% classification accuracy)22:13 — Demand from bookkeepers & accountants; B2B interest24:38 — Roadmap: smarter AI, more funding, potential underwriting26:37 — Community meetups & WhatsApp; why support matters29:34 — Advice for solos: test like a scientist31:05 — Where to try Investrio32:12 — Startup shout-out: Latte (college mentorship)Links & Resources:Investrio — App Store | Website | Instagram | TikTok | ThreadsConnect with Joyce Medeiros — LinkedInDiscover Startups — TikTok | YouTube | Instagram | Newsletter

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