Lettuce vs. Collective:  Your business shouldn’t run on appointments. 

Everything flows through an integrated FDIC-insured business bank account, so you immediately see what’s yours to keep.

Run your business from a single dashboard where payments land in your Lettuce account and are automatically distributed, expenses on connected cards are instantly categorized, and every transaction updates your real-time financial picture.

Lettuce runs your S Corp payroll automatically through Gusto, lets you pay yourself distributions with a few clicks, send invoices with built-in payment processing, and automatically pays your quarterly taxes using money already set aside.up.

At year-end, Lettuce files your full business tax return (1120-S and K-1), offers optional personal tax filing (1040) for $500/annual, identifies personalized deductions like home office and retirement contributions, and recommends moves to maximize next year’s savings.

Get instant answers from LettuceHead AI trained on S Corp questions, access live experts when you want human input, and with Premium, a dedicated account manager plus quarterly strategy sessions.

You keep your own business bank account and tools while Collective’s team runs your books. You categorize or confirm expenses, they review and send monthly reports — but you don’t get real-time visibility between reports.

You handle daily banking and either track expenses yourself or share statements with Collective. Your bookkeeper reviews transactions, follows up with questions, and delivers scheduled reports instead of a live financial dashboard.

Collective calculates payroll and coordinates processing, prepares quarterly tax estimates, and reminds you of due dates — you move the money and submit payments. They review your books, send monthly financials, and hold periodic check-ins.

At year-end, your advisor prepares your 1120-S and K-1, then meets with you to review strategies for next year. Individual returns are separate, with additional fees starting at $199, and tax planning happens through scheduled consultations.

You get an assigned team of bookkeepers and tax advisors, scheduled consults during business hours, plus email and phone support between meetings, with response times depending on complexity and availability.