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AI Bookkeeping & VAT Copilot for Sole Traders · £29-49/mo

Spreadsheet-in → SA100 draft-out. HMRC MTD-compliant self-serve bookkeeping SaaS-in-a-service for freelancers and micro-limited-cos.

The complete AI-bookkeeping productised service. 10 prompts covering sole-trader buyer picking, HMRC MTD compliance, receipt-capture pipeline, categorisation engine, VAT quarterly filing, Self-Assessment SA100 drafting, expense-audit red-flag reviewer, £29-49/mo retainer, accountant partnership referral flywheel and disclaimer + PII insurance moat.

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A taste · 2 of 10 prompts
Prompt 01

01 · Sole-Trader Buyer Picker

Act as an HMRC-compliance productisation strategist. My AAT/bookkeeping edge: [EDGE]. Weekly hours: [HRS].

Deliver: (1) 8 sole-trader / micro-Ltd types ranked by (VAT-threshold nearness × pain × my edge × recurrence) — freelance devs, creators (>£85K turnover), Etsy sellers, coaches, PT/consultants, dropshippers, Airbnb hosts, delivery drivers, (2) top 3 with a persona, (3) willingness-to-pay evidence (£29-49/mo typical, £299/mo for £100K+ turnover), (4) the ONE wedge I'd start with, (5) positioning against QuickBooks / Xero (I'm the human layer), (6) a 12-month roster ladder (20 → 100 → 400 clients), (7) 3 warm-intro paths (accountant-partnerships, Etsy Facebook groups, freelance Slacks). End with the ONE buyer segment that always looks juicy but drags every quarter into 3× the review hours.
Prompt 02

02 · HMRC MTD Compliance Layer

Act as an MTD-VAT-compliance specialist. Client type: [SOLE TRADER / VAT-registered LTD].

Deliver: (1) a 5-rule MTD check (digital records kept, quarterly-VAT-submission-via-approved-software, digital-links between records, retention 6 years, no manual re-typing), (2) a client-facing 'what MTD means for you' 1-pager, (3) 3 approved-software integrations (FreeAgent, QuickBooks, Xero, TaxDome), (4) an escalation flow for clients with complex VAT (partial-exemption, flat-rate, cash-accounting), (5) a MTD-for-Income-Tax readiness plan (April 2026 for >£50K, April 2027 for >£30K), (6) a compliance-audit trail, (7) an insurance stack (PI cover £250K min). End with the ONE MTD requirement 80% of freelancers don't know exists — it becomes the ONE reason they subscribe.

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