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How a Once-Hot Fintech's AI Bet Led to Bankruptcy

Feb 19, 2025 - financialpost.com
Bench Accounting, a fintech startup focused on bookkeeping for small businesses, filed for bankruptcy in January after a series of strategic missteps. Despite raising over $100 million in venture financing and growing to over 10,000 clients, the company struggled with profitability and high client turnover. In an attempt to transform its business, Bench invested in AI tools, including a bot named BenchGPT, and laid off staff to cut costs. However, the AI tools proved unreliable, leading to operational challenges, especially during the 2023 tax season when the company failed to meet filing deadlines for many clients.

The company's financial troubles were exacerbated by cash shortages and reliance on venture funding and debt. After a series of leadership changes, including the removal of co-founder Ian Crosby as CEO, Bench's board sought a buyer for the company. In December, Bench announced its closure and recommended clients switch to a competitor. The bankruptcy proceedings are expected to leave most investors, including major backers like Contour Venture Partners and Bain Capital Ventures, with significant losses. The company's assets were eventually acquired by Employer.com, which plans to revive the business by rehiring bookkeepers and focusing on core operations.

Key takeaways:

  • Bench Accounting, a fintech startup, filed for bankruptcy after attempting to integrate AI into its bookkeeping services, leading to operational failures and client dissatisfaction.
  • The company's AI rollout, including tools like BenchGPT, was unreliable and contributed to missed tax filing deadlines, causing financial strain and client loss.
  • Bench's financial struggles were exacerbated by high cash burn rates and reliance on venture funding and debt, ultimately leading to a breach of credit terms.
  • Employer.com acquired Bench's assets, aiming to stabilize the business by rehiring bookkeepers and focusing on core operations without the pressure of venture capital funding.
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