Small- to medium-sized businesses (SMBs) have been the underserved middle children of enterprise technology for decades, relying on spreadsheets, manual entry, and fragmented services to manage their financial operations. However, a wave of artificial intelligence-powered, no-code tools is transforming the way these businesses handle their back offices, empowering a new generation of citizen developers to build custom finance stacks from the ground up. Solo founders, accountants, and operations managers are turning to AI to automate key back-office functions, such as invoice generation, bill reminders, recurring billing, and AI-assisted tax calculators. This DIY approach allows SMBs to tailor their tools exactly to their needs, rather than being forced into the rigid workflows of traditional software. As a result, companies are planning to increase their investments in software not just for cost savings but also to unlock new revenue streams and accelerate scaling. The finance stack, traditionally the exclusive domain of larger enterprises, is now being reconstructed by SMB owners using modular, AI-enhanced tools. As SMBs grow more confident in their DIY capabilities, some are choosing to opt out of traditional third-party financial services. This is not just about cost savings, but also about control. When businesses own their financial stack, they gain visibility into their operations and the flexibility to adapt quickly compared to peers and competitors reliant on inflexible external vendors. As AI continues to evolve, more sophisticated solutions are expected to emerge, from predictive analytics to real-time financial forecasting, with the scrappy, resourceful SMB owner at the heart of it all.