Personal to Business

The Personal Entity

Overview

Every Kick account comes with a Personal Entity by default. This is a feature unique to Kick. Unlike traditional bookkeeping and accounting software, Kick recognizes that most small and mid-sized business owners regularly mix personal and business finances. The Personal Entity gives your client a dedicated place to connect all of their personal financial accounts, so personal transactions are always visible and easy to act on without ever polluting the business books.

As an accountant managing clients on Kick, understanding how the Personal Entity works will help you catch deductible expenses that might otherwise be missed, keep your client's GL clean, and streamline your monthly review process.

What Is the Personal Entity?

The Personal Entity is a separate entity within your client's Kick workspace that houses all of their personal financial accounts, including personal bank accounts, personal credit cards, and more.

Transactions pulled in from personal accounts do not automatically flow into the General Ledger (GL). Instead, they are surfaced on the Transactions tab, where you or your client can review each one and decide whether it belongs in the business books.

This separation ensures that personal spending never accidentally appears on financial statements, while still giving you full visibility into transactions that may have a business purpose.

Connecting Personal Accounts

Your client can connect any number of personal financial accounts to the Personal Entity, including:

• Personal bank accounts
• Personal credit cards
• Any other personal financial accounts connected via Plaid or a supported direct integration

All connected accounts will feed transactions into the Transactions tab for review. There is no limit to how many personal accounts can be connected.

Reviewing Personal Transactions

To review personal transactions for a client:

1. Navigate to the Transactions tab
2. Filter by entity = Personal to isolate transactions from the client's personal accounts
3. Review each transaction to determine whether it has a business purpose
4. For transactions that belong in the business books, move them from Personal to Business directly from this view

Moving Transactions from Personal to Business

When you move a transaction from the Personal Entity to a business entity, you can:

• Assign the correct category for the expense
• Select the destination entity if your client has multiple businesses
• Move transactions in bulk by selecting multiple transactions and moving them together, making the review process faster for clients with high transaction volumes

Once moved, the transaction is posted to the selected business entity's GL just like any other transaction and will appear on the relevant financial statements. The other side of each expense moved from Personal to Business is treated as a Contribution into the business.

What Stays in the Personal Entity

Any transaction you do not move to a business entity remains in the Personal Entity. Transactions left in the Personal Entity:

• Do not appear on any financial statements, including the P&L, Balance Sheet, or any tax-ready reports
• Do not affect the GL in any way
• Remain visible on the Transactions tab for future review at any time

Best Practices for Accountants

• Set expectations during onboarding. Let clients know that personal accounts live in the Personal Entity and that transactions won't hit the books until reviewed.
• Build a regular review cadence. Review Personal transactions periodically to catch business expenses paid personally before close.
• Use it to surface deductions. The Personal Entity is one of the best tools for finding overlooked write-offs, especially for owners who frequently use personal cards for travel, meals, or other expenses.
• When in doubt, leave it. If you're unsure whether a transaction is business-related, leave it in Personal and confirm with your client before moving it over.

Summary

The Personal Entity is one of Kick's most distinctive features and one of the most valuable for accountants managing clients with blended finances. By keeping personal transactions visible but separate from the GL, Kick gives you a clean, controlled way to capture every potential business expense without the risk of personal spending finding its way into your client's books.