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Holdings

Accounting for Restaurants

Restaurant bookkeeping that tracks food cost, labor, and real margin.

In a restaurant, a few points of food or labor cost is the difference between profit and closing. Holdings accounting auto-categorizes COGS, labor, and overhead so you see margin in real time — not three months late.

Banking and invoicing are free. Accounting is $25/mo (30-day free trial) — and because it’s built into your account, a paid invoice is already in your books and expenses categorize themselves. The payment and the journal entry are the same event — no manual books, no month-end close.

*Free business checking · 1.75% APY · accounting $25/mo

Your books, current — without the bookkeeping.

Holdings accounting lives inside your bank account. Every transaction categorizes itself as it happens, every paid invoice is already in your books (same event, nothing to reconcile), and your P&L stays current — so restaurant owners aren’t reconstructing a year of receipts every April.

Cheaper than QuickBooks or Xero, with native QuickBooks export and read-only CPA access when your accountant needs the books.

Auto-categorized

Every transaction sorted as it happens — no manual entry.

Already in your books

Paid invoices post themselves — same event, nothing to reconcile.

Reports ready

P&L, balance sheet, and cash flow on demand.

Frequently asked questions

Put your restaurant books on autopilot.

Free banking + invoicing. Accounting $25/mo with a 30-day free trial — already in your books, always current.

Disclosures

Holdings is a financial technology company and is not a bank. Banking services are provided by i3 Bank, Member FDIC. The Holdings Visa Debit Card is issued by i3 Bank pursuant to a license from Visa U.S.A. Inc. and may be used anywhere Visa cards are accepted.

No account or domestic transaction fees. Some foreign transaction fees may apply in limited circumstances.

Annual Percentage Yield (APY) is variable and subject to change after account opening. Rate is compounded monthly and credited monthly.

Deposits are insured up to $3 million total through a combination of i3 Bank, Member FDIC, and additional program banks. Each account is separately insured up to $250,000 per account holder per bank. Holdings accounts are subject to approval. Terms and conditions apply.