Founder's memo

Hello 👋
I'm David

Founder and CEO of Manano. This isn't just a company pitch. It's an open door to build something important together.

Our mission is simple:

Getting tradespeople paid faster.

Tradespeople wait 60 to 90 days to get paid. They have no access to working capital. Most use personal accounts for business. They waste unpaid hours on paperwork. And tech companies ignore them.

We fix that, starting inside WhatsApp, the tool they already use every day.

How it works: Tradespeople send a voice note or text message. We handle the rest. In seconds, they get a professional invoice with an instant payment option. No app. No learning curve. No new tech.

Market Opportunity

  • 400M+ tradespeople globally
  • €10T+ moves through them every year
  • 100M+ already use WhatsApp as their primary communication platform
  • Current solutions are built for desks, not for hands

We're not fighting behavior. We're meeting them where they are.

The Problem: Financial Exclusion

90% of tradespeople are financially invisible. A €100B+ opportunity hidden in plain sight.

Wait 60-90 days to get paid

After finishing a job, they wait months to see their money. This creates serious cash flow problems.

No access to working capital

Banks see personal credit files. They don't see business activity or real work.

Use personal accounts for business

Most don't have proper business accounts. This makes everything harder.

Unpaid paperwork time

Hours wasted on admin tasks. Quotes, invoices, tracking. It's unpaid work.

How We Work

Start where they are: AI-first, multilingual invoicing, payments, and book-keeping. Inside WhatsApp. No app. No learning curve. No new tech.

The lock-in: We become part of their money flow. Every time money moves, we make money.

Quotes, Invoices, Expenses

Full book-keeping automation

€24/month

Credit Card Payments

Accept payments instantly

1.75% + €0.25

Cash Advances

Get paid before clients pay

5% fee

Simple pricing. No hidden fees.

Our only job: put money into tradespeople's pockets faster.

€24/month for unlimited invoicing, quotes, and expenses. Payment fees at 1.75% + €0.25.

Traction

€4.9M+

In invoices and quotes processed in 5 months

200+

Tradespeople

€2M+

Invoices

€2.9M+

Quotes

€65K+

Expenses tracked

10

Partner stores

Real usage. Real retention. Real need.

Market Size

TAM

€10T+

400M+ tradespeople globally

SAM

€25-50B

100M+ on WhatsApp as primary platform

SOM (3-5 years)

€4.5B

100K users, €67.5M revenue

The Ask

This is a wedge into a massive, underserved market. Fast cash flow is the entry point. Ownership of the tradesperson's financial system is the end game.

Start simple. Become inevitable.

Raising a €3.5M seed round

Use of funds: 25% underwriting float, 15% engineering & AI, 30% GTM & partnerships, 30% compliance and ops

Target outcomes:

  • • 10× user growth (~2,000+ users)
  • • €10M+ monthly volume processed
  • • 50+ merchant partners
  • • 3+ countries live

A simple mission that affects real people's lives. From validated product-market fit to national rollout and international expansion.

Thanks for considering joining us at the start.

DC

David Coallier

Founder, Manano