Every

Every

Banking, investment advisory, cash management platform

Overview

Every.io offers banking, investment advisory, and cash management through a tech-enabled platform targeted at individual investors and small businesses. Banking is FDIC-insured via Thread Bank, investment advisory is provided through Atomic Invest, and a Pershing cash sweep moves idle funds into interest-bearing accounts. The platform combines these services through partnerships to provide a single, integrated experience, though it can create a conflict of interest by steering clients toward Atomic Invest. The goal is to simplify and optimize financial services with a unified, accessible suite that helps users manage deposits, investments, and cash efficiently.

YC Company
Significant Headcount Growth

About Every

Simplify's Rating
Why Every is rated
C+
Rated C on Competitive Edge
Rated B on Growth Potential
Rated C on Differentiation

Industries

Fintech

Financial Services

Company Size

201-500

Company Stage

Series A

Total Funding

$32.1M

Headquarters

San Francisco, California

Founded

2021

Simplify Jobs

Simplify's Take

What believers are saying

  • Y Combinator S23 startups rapidly adopt Every for strong product-market fit.
  • Achieved $1M ARR in six months with 75 early customers.
  • Raised $32M from Redpoint, Base10, Okta Ventures by September 2024.

What critics are saying

  • Gusto erodes market share with proven compliance, causing 60-80% churn in 6-12 months.
  • Rippling captures customers via global hiring superiority in 12-18 months.
  • SEC fines Every for Atomic Invest referral conflicts in 12-24 months.

What makes Every unique

  • Every integrates banking, payroll, HR, and AI agents into one platform.
  • AI CFO, Bookkeeper, CHRO provide full-context back-office automation.
  • Offers 4.3% APY on cash and 3% cashback on debit purchases.

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Funding

Total Funding

$32.1M

Above

Industry Average

Funded Over

3 Rounds

Notable Investors:
Series A funding typically happens when a startup has a product and some customers, and now needs funding to scale. This money is usually used to grow the team, expand marketing, and improve the product. Venture capital firms are frequently the main investors here.
Series A Funding Comparison
Above Average

Industry standards

$15M
$8.2M
Discord
$15M
Canva
$22.5M
Every
$30M
Kalshi

Benefits

Health Insurance

Dental Insurance

Vision Insurance

401(k) Retirement Plan

Stock Options

Home Office Stipend

Phone/Internet Stipend

Flexible Work Hours

Remote Work Options

Growth & Insights and Company News

Headcount

6 month growth

2%

1 year growth

2%

2 year growth

9%
PR Newswire
Mar 13th, 2026
Every Launches AI-Native Back Office Agents for Startups and Small Business Owners

Every launches AI-Native back office agents for startups and small business owners. Mar 13, 2026, 10:00 ET SAN FRANCISCO, March 13, 2026 /PRNewswire/ - Every (every.io) today unveiled its next-generation AI-powered back-office agents, empowering startups and small businesses with the operational support of a full-service team - spanning banking, payroll, benefits, HR compliance, accounting and taxes - without having to hire anyone. Every, the all-in-one back-office platform designed for scaling businesses, today unveiled its next-generation AI agents: the AI CFO, AI Bookkeeper and AI CHRO. For founders stretched thin across every function, Every replaces the patchwork of consultants and software tools with a single AI-Native platform that works around the clock, autonomously. Owners should be 100% focused on growth, but the burden of managing administrative tasks often gets in the way. Every is designed to eliminate this conflict. With powerful AI agents trained and managed by real human experts, Every handles the operational complexity of a small business, ensuring owners and their teams can finally dedicate themselves to scaling. AI agents are only as good as the context they are given. While competitors offer point solutions that provide low-context agents, Every is an all-in-one platform - handling banking, payroll, HR, benefits, accounting, and taxes. This 360 degree view of a company's back-office gives our AI agents high-context, enabling them to deliver accurate and customized operational support. "At my last startup, Reflektive, I made some critical mistakes when setting up my back office because I couldn't afford the right help - so I just guessed as I went," said Rajeev Behera, CEO of Every. "That experience is exactly why we built Every. Most small businesses don't need more software to manage; they need a partner who handles the hard stuff for them. Every gives every business owner the operational support of a full-service team - without the overhead." What Every Does for Your Business AI CFO: Real-Time Financial Intelligence, Not Just a Dashboard Every provides AI CFO that holds the complete financial context of your company. It knows how much you're spending, whether your business is viable at your current burn rate, when your runway ends, and what levers to pull to extend it. Business owners can run "what if" scenarios - modeling the financial impact of a new hire, a capital expenditure, or a pricing change - instantly. Real-time snapshots of expenses and cash balances feeds this intelligence continuously, so your AI CFO is always working from current numbers, not last month's data. AI Bookkeeper: Automate the Work Your Bookkeeper Bills You For For most small businesses, bookkeeping is one of the largest line items in the budget - paid to outside consultants who spend hours on transaction categorization and month-end reconciliation. Every AI agents automate both. The transaction categorizing agent and month-end reconciliation agent handle the time-consuming work that used to require a dedicated bookkeeper, continuously learning the patterns of your business to become more accurate over time. AI CHRO: Your Compliance Co-Pilot for Every People Decision HR compliance is where small businesses get into trouble - not from bad intentions, but from a lack of information. Every AI CHRO monitors every person's decision in real time: hiring, terminations, time off, and benefits changes. Rather than doing the work for you, it checks your work - scanning thousands of current regulations and flagging risks before they become liabilities. It's the compliance safety net every growing company needs. One Platform, Full Context: The Every Difference AI tools are only as good as the data they can see. Point solutions, a standalone payroll tool, a separate accounting app, a disconnected HR system - give AI a fragmented view of your business. Every is different. Because banking, payroll, benefits, HR, bookkeeping, and taxes all live in one platform, Every's AI agents have the full context of your back office. The AI bookkeeper understands your cash flow. The AI CFO understands your burn. The AI CHRO understands your team. Together, they deliver the kind of integrated operational intelligence that was once available only to companies with dedicated finance, HR, and legal departments - and they get smarter with every transaction, every hire, and every decision your business makes. Expert Guidance When You Need It Most Every doesn't just automate - it advises. From onboarding new employees to navigating compliance requirements, Every's AI guides decision-making at every step. When a question goes beyond what AI can handle, Every's human experts step in directly. Security You Can Count On Every uses anonymized data to power its AI - personal identifiable information is never passed to large language models. Business owners and their employees' data stay protected. About Every Every is the all-in-one back-office platform for startups and small businesses, combining incorporation, banking, HR, payroll, benefits, taxes, and bookkeeping into a single AI-powered solution. Trusted by founders, business owners, and operators across the country, Every makes it easier to run a company - keeping teams compliant, finances clear, and operations running smoothly. For more information, visit every.io. SOURCE Every, Inc.

Yahoo Finance
Mar 13th, 2026
Every launches AI-native back-office agents for startups and small businesses

Every has launched AI-powered back-office agents designed to provide startups and small businesses with comprehensive operational support across banking, payroll, benefits, HR compliance, accounting and taxes. The platform introduces three AI agents: AI CFO, AI Bookkeeper and AI CHRO. The San Francisco-based company positions itself as an all-in-one alternative to multiple consultants and software tools. Its AI agents leverage complete back-office context to deliver customised operational support, working autonomously around the clock. The AI CFO provides real-time financial intelligence, enabling business owners to run "what if" scenarios and model impacts of hiring, capital expenditure or pricing changes. CEO Rajeev Behera, who founded previous startup Reflektive, said Every addresses the common challenge of small businesses lacking affordable operational expertise whilst managing growth.

Code Labs Academy
Sep 13th, 2024
HR Startup Every Secures $22.5M Series A Funding and Expandes Engineering Team in Just Two Weeks

HR startup Every secures $22.5M Series A funding and expandes engineering team in just two weeks.

TechCrunch
Sep 12th, 2024
Why Y Combinator companies are flocking to banking and HR startup Every | TechCrunch

Rajeev Behera’s new all-on-one HR startup, dubbed Every, is either brilliant or crazy.

People Matters
Dec 18th, 2023
Redrob raises $4M seed round by Murex and DS & Partners

Recently, Every.io secured $9.5 million in a funding round led by Base10 to further expand its operations, creating integrated solutions for startup back-office needs such as bank accounts, corporate cards, bill payments, HR, and payroll.

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