Founders waste an embarrassing amount of money on tools before they have customers, and then waste more once customers arrive — usually on the wrong tools, in the wrong order, at the wrong tier. The right zero-to-100 stack is smaller than founders expect and biased toward "things you'll use every day", not "things that look good in a deck".
This is the stack I'd use if I were starting a B2B SaaS today, with the prices and the reasoning. Total monthly cost at 100 customers and €60K MRR: under €600. Most of which is Stripe fees.
What you actually need
The honest list of tools the first revenue cohort touches:
- A domain.
- A way for customers to find the marketing site.
- The marketing site.
- The product itself.
- A way to take payment.
- A way to send transactional email (signup, reset, receipt).
- A way for customers to ask you for help.
- A way to know what they're doing in the product.
- A way to know your finances aren't quietly broken.
That's it. Anything else — CRM, marketing automation, A/B testing platform, custom analytics warehouse, on-call rotation, a Notion HQ — is premature past customer 100. Most of them are still premature past customer 1,000.
The stack
Domain
Buy at Cloudflare or Porkbun. Avoid GoDaddy, avoid registrar lock-in, avoid the registrar that bundles "free" hosting. Cost: €10–€15/year. Pay for the privacy (free at both providers). Don't buy a six-letter domain hack — buy the obvious .com or your country's TLD even if it's expensive. The first hundred customers will type it, mistype it, and tell their colleagues to type it. Spell-it-once-and-you're-right is worth €100/year of premium.
How customers find you
For B2B SaaS in the first revenue cohort, the channels that actually deliver are:
- Direct outreach — your own email and LinkedIn, to specific people who fit the profile. Free, by far the highest signal-to-noise.
- One-off content: a guide, a comparison, a calculator. Hosted on your own site. SEO over six months.
- One paid channel, picked deliberately. For most B2B that's Google Ads on bottom-funnel keywords or LinkedIn Ads to a specific job-title list. Budget €200–€500/month for the first three months. If it's not paying back, kill it; pick a different channel.
Don't pay for SEO tools (Ahrefs, Semrush, Moz) yet. Use Google Search Console (free) and read the actual reports. Don't buy a CRM yet — a Google Sheet with one row per lead is faster, cheaper, and you'll outgrow it at customer 50 anyway.
Marketing site
Build it with Marcus in an afternoon. The site needs: hero with the offer, three benefits, social proof when you have it, pricing, FAQ, signup form. Total cost: €29/project/month on the Builder tier — one tenth what the same site costs to maintain on a hand-coded stack with a separate hosting provider, CMS, form handler, and SSL renewal.
Don't buy Webflow yet, don't buy Framer yet, don't buy a Wordpress hosting plan. The marketing site changes weekly in the first quarter; an AI builder is the right tool for that velocity.
The product
If your product is a B2B SaaS in the early phase, build it with Marcus too. Builder tier covers signup, auth, multi-tenant data, billing, admin console — about 60% of what a hand-built v1 takes. Cost: €29/project/month. As above, don't migrate to a hand-built stack until you cross €30K MRR or hit a real engineering bottleneck.
If your product is hardware, a marketplace, or something Marcus genuinely can't build (deep ML, real-time, regulated finance), this guide is the wrong reference. Read the marketplace and hardware-specific founder posts; this stack is for software-only B2B.
Payments
Stripe. Don't shop around. Stripe Checkout for the first 100 customers is fast, well-documented, and the fees (2.9%+€0.30 in the EU) are unremarkable. Don't build custom checkout. Don't use Paddle until you actually need a merchant of record (you don't yet).
Set up Stripe in an hour. Three modes you need: subscription (most common), one-time payment (occasional), and a saved-card-for-future-use mode for usage-based billing if relevant. Don't enable currencies you don't sell to yet — every extra currency is a settlement reconciliation chore.
For Russia, Belarus, and CIS — use YooKassa as a secondary provider. The integration adds two days. Worth it: the conversion uplift in those markets from local payment methods is 20–40%.
Transactional email
Resend, Postmark, or Sendgrid. Pick one in five minutes; they're equivalent for the first 100 customers. Set up DKIM, SPF, and DMARC properly — this is the single most-skipped step that bites you at customer 50, when half your password resets land in spam.
Cost: free up to 3,000 emails/month at Resend. €10–€15/month at slightly higher volume. Don't pay for Mailchimp; you don't have a marketing-email use case yet (newsletters are not the first 100 customers' job to be done).
Customer support
For the first 100 customers, support is your founder's inbox. support@yourdomain.com with a 24-hour response SLA written on the contact page, answered by a human, with a CC to one teammate so vacation doesn't break it.
Don't buy Intercom, Zendesk, or Crisp. They cost more than the support volume justifies, and they introduce a layer of "support tooling" between you and your customers that you should not want at this stage. The closest you should come to a help-desk tool is a shared inbox in Gmail or a Help Scout free tier.
The single thing worth buying at customer 50 is a public status page if you have any availability variance. Better Stack and Statuspage start at $30/month. Don't bother before that.
Product analytics
The honest answer: you don't need a real analytics tool for the first 50 customers. Read the Stripe dashboard for revenue, the Marcus-built admin console for usage, and have your customers on a phone call for "why aren't they using feature X". You'll learn more than any analytics tool would tell you.
Around customer 50, install PostHog (free up to 1M events/month, EU-hosted option) or Amplitude (free up to 10M events/month). Track three events: signup completed, first key action, returning visit. That's it. Don't track "button clicked"; you'll drown.
Financial visibility
The simplest stack: a monthly P&L spreadsheet, populated by hand in 30 minutes from Stripe's monthly export and your bank account. No QuickBooks yet. No Xero yet. No CFO-as-a-service yet.
If you're an EU company, get a real accountant (€100–€200/month for basic compliance). They'll handle VAT registration, quarterly filings, and the annual report. Don't try to DIY this; the time cost and risk are higher than the bill.
What to skip
Founders waste budget on these tools before customer 100, every time:
- HubSpot, Salesforce, or any "real CRM". A Sheet beats them at this scale.
- Marketing automation platforms (Marketo, Mailchimp, Customer.io). You're not running drip campaigns yet.
- Heatmap and session-replay tools (Hotjar, FullStory). The customer interviews give you the same insight, with more nuance.
- A/B testing infrastructure. Not enough traffic to be statistically meaningful. Marcus already lets you spin up two variants — that's enough until customer 200.
- A "real" CMS for the marketing site. AI builder + Git export is more flexible.
- A dedicated DevOps tool stack. The product-builder hosts the product. You don't need Datadog, PagerDuty, Terraform, or Kubernetes until the product runs on infrastructure you actually own.
- A "modern stack" for analytics (Snowflake, dbt, Looker). Don't even consider it before €100K ARR.
- An OKR tool. A weekly Notion page is enough for a 5-person company.
The total monthly bill
For a typical B2B SaaS at 100 customers with €60K MRR:
- Domain: €1/month amortised.
- Marketing site (Marcus Builder): €29/month.
- Product (Marcus Builder, second project): €29/month.
- Stripe fees: ~€2,000/month (the biggest line, but it's a percentage of revenue, not a tool).
- Resend / Postmark: €15/month.
- PostHog (free tier, with overage if applicable): €0–€20/month.
- Accountant: €150/month.
- One paid acquisition channel: €300–€500/month.
- Status page: €30/month if you've crossed customer 50.
Total non-Stripe spend: ~€600/month. Including Stripe fees: ~€2,600/month. That's 4–5% of revenue, which is well within the 5–8% range mature SaaS spends on tooling.
If your tool spend is significantly higher than that — €3,000+/month at 100 customers — you've over-bought. Audit, cancel three things, and put the money toward customer acquisition or a part-time hire.
The order matters
The order to buy the stack in:
- Domain (week 0).
- Marketing site (week 0).
- Product (week 1).
- Stripe (week 2, when you have first lead willing to pay).
- Email (week 2, before launch).
- Accountant (week 3, before first invoice).
- Paid acquisition (week 4, after the launch wave subsides).
- Analytics (around customer 30).
- Status page (around customer 50).
Resist anything else until customer 100. The tools you wish you had are usually the tools that solve a problem you don't have yet.