Oz Merchant

Founder & CEO, Futureproof

Oz Merchant is a serial founder who has been building, breaking, and rebuilding startups for almost two decades, wearing every hat along the way: marketer, salesperson, and reluctant finance person. After watching too many founders make critical decisions — when to hire, whether to fundraise, how to price — with incomplete financial data, he founded Futureproof in 2025 to close the gap between “keeping the books” and actually understanding your business.

He writes about startup finance, bookkeeping, forecasting, and fundraising for founders and first-time finance leaders, and coaches startup and ecommerce founders. Read the full Futureproof story.

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Split illustration comparing a sales dollar shrinking through fee toll gates against a cost reduction passing untouched on a direct route to gross profit

EcommerceJuly 2, 2026

Why a $0.50 Cost Reduction Beats $15,000 in New Sales

On a marketplace, about 17 cents of every added sales dollar reaches gross profit. See the math, and the cost-side lever that skips the fee stack.

Startup budget spreadsheet with expense categories and green highlights on a dark dashboard

ForecastingJuly 1, 2026

Startup Budget Template: A Line-by-Line Build for SaaS

A startup budget template for SaaS founders: line-by-line categories, realistic seed-stage numbers, runway math, and a monthly review loop.

Four sales channels feeding into a single inventory-aware general ledger that outputs true per-SKU profit and a tax-ready close on both accrual and cash

EcommerceJune 30, 2026

True Landed Cost and True Per-SKU Profit: A Tariff-Era Guide for Importing Brands

How importing brands compute true landed cost and true per-SKU profit when tariffs move between shipments, with a worked example and the accounting that holds up across channels.

Founder standing before shelves of financial records in a dim archive, preparing for Series A due diligence

FundraisingJune 24, 2026

Series A Due Diligence Checklist: What Investors Check

The Series A due diligence checklist investors actually run: GAAP books, revenue recognition, metric reconciliation, cap table, and tax compliance.

Fractional CFO reviewing client financial reports across multiple client workspaces

FinanceJune 17, 2026

Client Reporting Software for Fractional CFOs (2026 Guide)

Client reporting software for fractional CFOs compared: financial dashboards, spreadsheet packs, and AI agents that build reports from live books.

Founder's guide to SAFEs, Form D filings, and Regulation D exemptions

FundraisingJune 15, 2026

SAFEs and Form D: The Fundraising Paperwork Founders Get Wrong

When to raise on a SAFE, when you have to file a Form D, and the 506(b) vs 506(c) decision that quietly shapes who you can talk to about your round.