# Collective

**Canonical:** https://apis.io/providers/collective/  
**Website:** https://www.collective.com/  
**APIs profiled:** 0

Collective is an all-in-one financial back-office platform built for self-employed entrepreneurs, solopreneurs, and businesses-of-one. It bundles S Corp formation and election, bookkeeping, payroll (as a Gusto partner), business and personal tax preparation and filing, quarterly tax planning, and a dedicated accounting team into a single membership. Roughly 12,000 members use Collective to optimize self-employment taxes, with members reporting average annual business-tax savings around $10,000. Collective is a private fintech company backed by General Catalyst, Kindred Ventures, and QED Investors. It currently exposes no public developer API, SDK, or documentation surface; this profile captures its public web, security, and compliance footprint for the API Evangelist network.

## Kin Score — 15.4 / 100 (emerging)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 15.4).

| Facet | Score |
|---|---|
| Discoverability | 50.0 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 7.1 |
| Commercial Clarity | 44.7 |
| Access Clarity | 44.7 |

## Agent readiness — 0.0 (human-only)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | no |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Unknown — onboarding: unknown, pricing: unknown, trial: no (confidence: low).

## Security (2)

- **Collective Domain Security** — TLSv1.3 · HSTS · DMARC
- **Collective Trust Center** — trust center published

## Tags

Company, Fintech, Accounting, Tax, Payroll, Bookkeeping, Self-Employed, Financial-Services, Small Business

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/collective/). Scores are computed from the provider's own public artifacts under a published rubric.