Jason Garcia
CEO & Co-Founder
Jason co-founded Holdings to build the financial infrastructure small businesses deserve. Before Holdings, he spent a decade in fintech operations and product. He writes about banking, business finance, and building a company that lasts.
LinkedIn25 articles by Jason
Cloud Accounting Software for Nonprofits: Benefits and Top Picks
Desktop software is fading. Here's why cloud-based accounting is essential for modern nonprofits and which platforms handle fund accounting, reporting,
Built-In Accounting: Why Your Bank Should Do Your Books
The old model of juggling a bank, QuickBooks, and a bookkeeper is breaking. Here's what built-in accounting means, how it works, and whether it's right for your business.
Best Bank Accounts for Churches in 2026
We compared 7 bank accounts for churches on fees, interest rates, fund tracking, and accounting features. Here's what actually matters for church finances — and which accounts are worth considering in 2026.
Best Bank Accounts for Nonprofits in 2026
We compared 7 bank accounts designed for nonprofits — from zero-fee fintechs to traditional banks with dedicated nonprofit accounts. Here's what matters for nonprofit finances and which accounts deliver the most value in 2026.
Free Business Checking Accounts With No Fees in 2026
We compared 7 genuinely free business checking accounts — no monthly fees, no minimum balances, no gotchas. Here's what each one actually offers and which earns you the most in 2026.
QuickBooks Alternatives in 2026: 7 Options Actually Worth Considering
Tired of QuickBooks price hikes? We compared 7 real alternatives — from free options to bank-integrated platforms — to find the best QuickBooks replacement for small businesses, freelancers, and nonprofits in 2026.
AI Bookkeeping: What It Actually Does (and Doesn't Do) in 2026
AI bookkeeping is everywhere, but most explanations are marketing fluff. Here's how it actually works, where it falls short, how it compares to a human bookkeeper, and what the Bench shutdown means for the industry.
Small Business Banking Guide: Everything You Need to Know in 2026
A complete guide to business banking for beginners. Learn why you need a separate business account, what to look for, how to open one, and the mistakes that cost small businesses money.
Best Business Bank Accounts in 2026: What Actually Matters
We compared fees, interest rates, and features across 10+ business bank accounts. Here's what actually matters when choosing
Bench Shut Down. Here Are the Alternatives That Actually Work.
Bench closed in December 2024 and left thousands without bookkeeping. Here are the real alternatives
How to Open a Business Bank Account: Step-by-Step Guide
Everything you need to open a business bank account — required documents, how to choose a bank, online vs in-person setup, and common mistakes to avoid.
Business Checking vs Business Savings: Which Account Do You Need?
Business checking handles daily transactions. Business savings earns interest. But the line is blurring
How to Separate Business and Personal Finances (Before It Becomes a Problem)
Mixing business and personal money creates tax headaches, legal risk, and accounting chaos.
Business Banking for Freelancers: What You Actually Need (And What You Don’t)
Freelancers don’t need complicated banking. Here’s the minimum viable setup — one account, basic accounting, and a tax reserve — plus when to upgrade.
How to Reconcile a Business Bank Account (And Why Most Businesses Don’t Until It’s Too Late)
Bank reconciliation catches fraud, errors, and missing transactions before they become problems.
How to Read a Profit and Loss Statement (Without an Accounting Degree)
A profit and loss statement tells you whether your business is making or losing money — and why.
Multi-Entity Accounting Software: Guide for Firms with Multiple Entities
Managing finances across multiple entities doesn't have to mean juggling spreadsheets and logging into separate systems.
Nonprofit Bank Accounts: Requirements and Best Options
A comprehensive guide to opening and managing nonprofit bank accounts, covering documentation requirements, account comparisons,
How to Switch Your Business Bank Account Without Breaking Anything
A comprehensive guide to switching your business bank account safely — covering timelines, checklists,
Nonprofit Bookkeeping Services: What to Know Before You Hire
Outsourcing your nonprofit's bookkeeping can free your team to focus on mission-critical work.
The Complete Guide to Nonprofit Banking in 2026
Everything nonprofits need to open a bank account in 2026: required documents (EIN, bylaws, board resolution), fee comparisons, FDIC coverage options, and how to choose between online banks, credit unions, and community banks.
Best Bank Accounts for Small Nonprofits in 2026
Small nonprofits can't afford to waste money on bank fees. We compare the best banking options for organizations with budgets under $500K—including free.
Fund Accounting Software for Nonprofits: Why It Matters and What to Look For
Fund accounting isn't just a buzzword—it's how nonprofits stay compliant with donor restrictions and grant requirements.
Your Business Checking Account Should Be Earning Interest. Here's Why It Probably Isn't.
Most business checking accounts pay nothing. Banks keep the yield for themselves. Here's how the model works, what you're actually losing, and what alternatives exist.
FDIC Insurance Explained: What Business Owners Actually Need to Know
Most business owners know FDIC insurance exists. Few understand the limits, the gaps, and the options for protecting deposits above $250,000. Here's what actually matters.