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.
LinkedIn119 articles by Jason
The First-Time Business Owner's Complete Guide: Everything You Need to Know (2026)
Everything first-time business owners need to know — from choosing an LLC vs S-Corp to setting up finances, putting in your own money.
How to Start a Nonprofit: The Complete Journey from Mission to First Grant (2026)
Step-by-step guide to starting a nonprofit — from choosing between 501(c)(3) vs fiscal sponsorship to filing for tax-exempt status, building your board.
LLC vs S-Corp vs Sole Proprietorship vs C-Corp: A Real Decision Framework (Not Just Definitions)
Stop guessing. Use this decision framework with real tax math to choose between LLC, S-Corp, Sole Proprietorship, and C-Corp. Includes cost comparisons.
1099 vs W-2: The Complete Guide to Worker Classification and Taxes
Understand the real difference between 1099 contractors and W-2 employees — IRS classification rules, tax implications for both sides.
Small Business Tax Deductions: The Complete List You're Probably Missing (2026)
The full list of small business tax deductions for 2026 — organized by category with actual dollar limits, IRS rules.
How to Pay Quarterly Estimated Taxes (Without Overpaying or Underpaying)
Step-by-step guide to quarterly estimated taxes — who needs to pay, how to calculate the right amount, two methods to avoid penalties.
How to Build Business Credit: A Step-by-Step Plan (Even With No Revenue Yet)
Build business credit from scratch with this step-by-step plan. Covers DUNS number, PAYDEX score, trade references, business credit cards.
Small Business Bookkeeping: The Complete Guide to Doing It Yourself (2026)
Learn how to do your own bookkeeping — chart of accounts setup, daily/weekly/monthly routines, cash vs accrual, and when to hire help.
How to Read a Balance Sheet: A Plain-English Guide for Business Owners
Learn to read your balance sheet in plain English — assets, liabilities, equity explained with real numbers from a real small business.
How to Accept Credit Card Payments as a Small Business (2026)
Compare the real costs of accepting credit cards — Square vs Stripe vs traditional processors. Fee structures explained, hidden costs exposed.
How to Start an LLC: The Real Guide (With State-by-State Costs)
Start your LLC the right way. Step-by-step process, costs for all 50 states ($40–$500), operating agreements, EIN, and bank account setup.
Home Office Tax Deduction: How to Calculate and Claim It (2026)
Calculate your home office tax deduction using simplified or regular method. Real math examples, qualification rules, and audit-proof tips for 2026.
Self-Employment Tax Explained: What It Is and How to Reduce It
Self-employment tax is 15.3% on your net earnings. Learn how it's calculated, how S-Corp election can save you thousands, and how to reduce what you owe.
How to Get an EIN: Step-by-Step Guide (It Takes 10 Minutes)
Get your EIN in 10 minutes — free, online, from the IRS. Exact questions they ask, common mistakes, and what to do right after you get it.
How Much Does a Bookkeeper Cost? (2026 Pricing Breakdown)
Bookkeeper costs range from $20/hr (freelance) to $65K/yr (in-house). Compare freelance, firm, online, and AI bookkeeping pricing for your business.
How to Categorize Business Expenses Like a Pro (IRS-Friendly)
Learn to categorize business expenses using IRS Schedule C categories. Includes cheat sheet, real transaction examples, and auto-categorization tips.
Break-Even Analysis: How to Know When Your Business Will Be Profitable
Learn break-even analysis with real examples. Calculate when your business becomes profitable using our free worksheet and step-by-step formula.
Beneficial Ownership Information (BOI) Reporting: What Your Business Must File
Beneficial Ownership Information reporting is required for most LLCs and corporations. Learn who files, deadlines, exemptions, and how to avoid penalties.
Owner Investment Documentation Kit
Learn the three ways to invest your own money into your business — equity contributions, owner loans, and capital contributions.
Co-Founder Financial Agreement Template
The financial conversations you need to have before partnering up — equity splits, compensation, spending authority, exit strategies.
Bootstrap Runway Calculator
A practical guide to bootstrapping your business — personal runway calculations, funding sources ranked by risk, bootstrap budgets for 3 business types.
12-Month Financial Milestone Tracker
A month-by-month financial playbook for your first year in business — from opening your bank account to filing your first tax return.
How to Form a Nonprofit Board of Directors (That Actually Governs Well)
Learn how to form an effective nonprofit board with legal requirements, roles, and governance best practices. Includes board formation kit download.
Nonprofit Bylaws: Template, Guide, and the Clauses That Actually Matter
Get a complete nonprofit bylaws template with clause-by-clause explanations. Learn which clauses matter most and avoid common mistakes.
How to Write Your First Grant Proposal: A Practical Guide for New Nonprofits
Learn how to write winning grant proposals with step-by-step guidance, templates, and insider tips. Includes complete proposal template kit.
Tax-Exempt Status Decision Flowchart
Compare 501(c)(3), 501(c)(4), and 501(c)(6) tax-exempt statuses — tax-deductible donations, political activity rules, lobbying limits.
Best High-Yield Business Savings Accounts (2026)
Compare the best high-yield business savings accounts for 2026 — Holdings (1.75% APY), Bluevine (2.0%), Relay, Mercury, and more.
Business Expense Tracking: The System That Saves You Thousands at Tax Time
Build a simple expense tracking system that catches every deduction and survives an IRS audit. Includes the top 10 deductions by dollar amount.
Cash Flow Forecasting: How to Predict (and Prevent) Cash Crunches
Learn how to build a 13-week cash flow forecast that prevents cash crunches before they happen. Includes the cash flow waterfall method, stress testing.
Church Accounting: The Complete Guide for Pastors and Treasurers
Everything pastors and treasurers need to know about church accounting — fund accounting, designated gifts, pastor payroll, internal controls.
The Complete Guide to Invoicing for Small Business (Get Paid Faster)
Everything you need to know about invoicing for small business — professional invoice anatomy, payment terms explained, follow-up cadence.
Construction Company Finances: The Builder's Guide to Business Banking & Bookkeeping
The complete financial guide for construction companies and general contractors. Covers job costing, progress billing, retention, bonding.
Content Creator Finances: Taxes, Banking, and Money Management for Creators
The complete financial guide for content creators. Covers income tracking across platforms, creator-specific tax deductions, quarterly estimated taxes.
Fiscal Sponsorship Explained: How to Launch a Nonprofit Without 501(c)(3) Status
Learn how fiscal sponsorship works, the difference between Model A and Model B, typical costs (5-10% admin fees), how to find a sponsor.
Form 990: The Complete Guide for Nonprofits (With Line-by-Line Walkthrough)
Everything nonprofits need to know about Form 990 — who must file, which version, deadlines, the most important sections, common mistakes.
How to Create a Business Budget (That You'll Actually Use)
A practical guide to building a business budget that actually works. Includes the 50/30/20 framework for business, zero-based budgeting.
Nonprofit Accounting Setup: Your Day-One Financial Playbook
Set up nonprofit accounting right from day one — fund accounting basics, chart of accounts template, software comparison, internal controls.
Nonprofit Financial Management: From Survival to Sustainability
Move your nonprofit from financial survival mode to long-term sustainability. Covers reserves, revenue diversification, board reporting, audits.
Nonprofit Grant Management: From Award to Final Report
The complete guide to managing grants after you receive them — agreement review, financial tracking, compliance, reporting.
Profit Margins by Industry: Know Your Numbers (2026 Benchmarks)
Gross, net, and operating profit margin benchmarks for 25+ industries in 2026. Learn what healthy margins look like for your business.
Small Business Banking 101: Everything You Need to Know
Everything you need to know about business banking — why you need a separate account, what to look for, traditional banks vs fintech, common mistakes.
Small Business Financial Planning: Build a Financial Roadmap That Works
Learn how to build a real financial plan for your small business — from the 4 financial statements you need to understand, to setting goals.
Accrual vs Cash Basis Accounting: Which Should Your Business Use?
Understand the real difference between accrual and cash basis accounting — with identical transaction examples, IRS rules on who must use accrual.
State Filing Calendar
Annual report due dates and costs for all 50 states + DC with deadline reminders.
Business Bank Account With Multiple Owners: Setup, Access, and Protections
Everything you need to open and manage a business bank account with multiple owners — what banks require, signer authority levels, spending controls.
Emergency Fund Calculator
Calculate your target emergency fund, build a savings plan, and use our decision framework for when to tap it.
Business Insurance Types: What Coverage Your Small Business Actually Needs
Every type of business insurance explained with real costs — general liability, professional liability, BOP, workers comp, cyber liability, and more.
Business License Requirements: What You Need by State and Industry
Federal, state, and local business licenses explained by industry. Covers food, construction, healthcare, finance, transportation.
Business Meal Deduction Rules (2026): What's Deductible and What's Not
The complete guide to business meal deductions in 2026 — what's 50% deductible, what's 100%, what's not deductible at all.
Business Mileage Tracking: IRS Rules, Apps, and How to Maximize Your Deduction
Everything you need to know about the IRS mileage deduction — standard vs actual expenses, what counts as business mileage, tracking requirements.
Business Record Retention: What to Keep, How Long, and Where
Know exactly which business records to keep, how long the IRS requires you to store them, and the best ways to organize digital and physical documents.
Business Savings vs Money Market: Where Should Your Business Keep Cash?
Compare business savings accounts and money market accounts side by side — rates, liquidity, minimums, FDIC coverage, and when to use each.
Business Travel Expense Deductions: What Counts and How to Document It
Master business travel tax deductions — transportation, lodging, meals, incidentals. Learn IRS rules for combining business and personal travel.
Creative Agency Financial Playbook: Managing Projects, People, and Profit
Financial management guide for creative agencies. Covers utilization rates, project profitability tracking, scope creep prevention.
Donor Management for Small Nonprofits: Build Relationships That Last
Complete guide to donor management for small nonprofits. Covers the donor lifecycle, database setup, acknowledgment best practices.
Employee Reimbursement Policy: Template and Best Practices
How to create a compliant employee reimbursement policy. Covers IRS accountable plan rules, what to reimburse, per diem, state requirements (CA, IL).
Freelance Contract Essentials: Protect Your Business and Get Paid
Every clause your freelance contract needs — scope, payment terms, kill fees, IP ownership, and more. Includes a free customizable contract template.
How to Handle Late Payments: Scripts, Strategies, and Legal Options
A complete playbook for getting paid — prevention strategies, follow-up scripts for every stage (day 1 to day 90+), late fee rules by state.
How to Price Your Services: A Framework That Builds Profit
Learn cost-plus and value-based pricing, calculate your minimum rate, escape the hourly trap, use pricing psychology, raise prices confidently.
Cash Flow Statement Reading Guide
Annotated example cash flow statement with line-by-line explanations plus a key ratios worksheet.
How to Register a Business Name (DBA): State-by-State Guide
Learn when you need a DBA, how to file one in your state, what it costs ($10-100), and why your bank account depends on it.
How to Manage Multiple Business Bank Accounts (Without Losing Track)
Why multiple business bank accounts make sense, how to set them up, the profit-first method, automating transfers, reconciling across accounts.
Net 30, Net 60, Net 90: Payment Terms Explained for Small Business
Understand payment terms, early payment discounts, how terms affect cash flow, when to offer credit vs. require upfront payment.
Nonprofit Articles of Incorporation: What to Include (With Template)
Everything you need to draft nonprofit articles of incorporation that satisfy IRS 501(c)(3) requirements. Includes required clauses.
Nonprofit Audit Preparation: A Step-by-Step Guide
Prepare for your nonprofit's financial audit with a clear step-by-step process. Covers when audits are required, how to choose an auditor, PBC lists.
Nonprofit Board Financial Responsibilities: A Trustee's Guide
What every nonprofit board member needs to know about financial oversight. Covers fiduciary duties, reading financial statements, the finance committee.
Nonprofit Budgeting: How to Build a Board-Approved Budget
Step-by-step guide to building a nonprofit budget your board will actually approve. Covers restricted funds, functional expense allocation.
Nonprofit Cash Reserve Policy: How Much to Save and How to Build It
Learn how much your nonprofit should hold in cash reserves, how to build them without guilt, and get a board-ready reserve policy template.
Nonprofit Fundraising Basics: A Practical Guide for New Organizations
Learn how to raise money for your nonprofit — individual donors, grants, events, corporate sponsors, recurring giving, and IRS acknowledgment rules.
Payroll Taxes Explained: What Every Small Business Owner Must Know
Understand employer vs employee payroll tax obligations — FICA, FUTA, state unemployment, withholding, deposit schedules, forms, penalties.
How to Prepare Financial Statements for Your Small Business
Learn how to create the three core financial statements — P&L, balance sheet, and cash flow — when you need each one, how to read them together.
Property Management Accounting: Financial Systems for Landlords and PM Companies
Build financial systems that actually work for rental properties — per-property P&L tracking, trust account compliance, rent rolls.
Real Estate Agent Expense Tracker
Commission log, agent-specific expense categories, and quarterly tax estimator.
Restaurant Financial KPI Dashboard
Daily sales tracker, food cost calculator, prime cost worksheet, and weekly P&L template designed for restaurants.
SaaS Metrics Dashboard Template
Monthly metrics tracker with formulas for MRR, churn, LTV, CAC, Rule of 40, and Net Revenue Retention.
Sales Tax for Small Business: Collection, Filing, and Compliance Guide
Understand sales tax nexus, collection rules, filing frequency, marketplace facilitator laws, exemption certificates, and multi-state compliance.
Small Business Compliance Checklist (2026): Federal, State, and Local Requirements
Every compliance requirement your small business faces in 2026 — federal taxes, BOI reporting, state filings, local permits, industry-specific rules.
When to Hire a Bookkeeper: 7 Signs You've Outgrown DIY
Is it time to hire a bookkeeper? Here are 7 clear signs you've outgrown DIY bookkeeping — plus the real cost comparison, what to hand off first.
First Hire Financial Readiness Checklist
Revenue threshold calculator, true cost worksheet, and pre-hire compliance checklist to make sure you're ready.
Wire Transfer vs ACH: Which Is Right for Your Business?
Wire transfers vs ACH payments explained for business owners — speed, cost, security, when to use each, and how Holdings handles ACH.
AI Bookkeeping: What It Is, How It Works & Best Tools (2026 Guide)
How AI bookkeeping automates transaction categorization, reconciliation, and reporting. Compares the best AI bookkeeping tools for small businesses, freelancers, and nonprofits in 2026.
ACH Payment Processing for Small Business — Limits, Fees & Setup Guide (2026)
ACH limits, fees, and processing times compared across major banks. Practical setup guide for small business ACH payment processing in 2026.
501(c)(3) Bank Account Requirements: Everything You Need to Open a Nonprofit Bank Account
Everything you need to open a bank account for your 501(c)(3) nonprofit. Required documents, EIN process, the step-by-step opening flow, and how to choose the right bank for your organization.
Accounting for Consulting Firms: The Complete Guide to Getting It Right
Most consulting firms start with a spreadsheet and a prayer. This guide covers how accounting actually works for consulting firms — from chart of accounts to revenue recognition to the reporting that matters.
Entity-Level Reporting: How to Get Clear Financial Visibility Across Multiple Businesses
If you manage more than one business entity, you already know the reporting problem. Entity-level reporting solves this. Here's what it is, who needs it, and how to set it up.
Business Debit Cards: The Complete Guide for Small Businesses
A business debit card is one of those things you don't think about until it creates a problem. This guide covers everything small business owners need to know about business debit cards.
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 nonprofit bank accounts on fees, interest rates, FDIC coverage, and fund tracking. See which ones offer $0 monthly fees, 2%+ APY, and built-in bookkeeping for 501(c)(3) organizations.
Free Business Checking Accounts With No Fees in 2026
We compared 7 genuinely free business checking accounts — $0 monthly fees, no minimum balances, no gotchas. See which ones earn interest, offer free wires, and include built-in bookkeeping.
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.
How to Set Up a Chart of Accounts for Your Small Business
Your chart of accounts is the foundation of your bookkeeping. Get it right from the start and everything else — reports, taxes, audits — gets easier. Here's exactly how to set one up, with templates for different business types.
The Startup Banking Guide: What Founders Actually Need in 2026
Most startup banking advice is written by people who've never raised a round. This guide covers what founders actually need: treasury management, runway visibility, multi-entity support, and how to stop losing money to outdated banking infrastructure.
Business Bank Account Requirements: What You Need to Open One in 2026
Everything you need to open a business bank account in 2026: required documents (EIN, formation docs, ID), fee comparisons, what banks look for, and how to get approved fast.
Best Business Checking Accounts for E-commerce in 2026
The best business checking accounts for online sellers in 2026. Compare fees, integrations, multi-currency support, and payout handling for Shopify, Amazon, and multi-channel sellers.
Best Business Checking Accounts for Agencies in 2026
The best business checking accounts for creative, marketing, and digital agencies in 2026. Compare per-client sub-accounts, team card controls, and built-in profitability tracking.
Year-End Bookkeeping Checklist for Small Businesses
Don't scramble at tax time. This month-by-month year-end checklist covers reconciliation, 1099 prep, expense review, depreciation, and everything your business needs to close the books cleanly.
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.
Business Banking Fees Explained: What You're Actually Paying
Business bank accounts come with fees most owners don't know about until they check their statement. This guide breaks down every common fee — monthly maintenance, transaction limits, wire transfers, cash handling, and more — so you know what to negotiate and what to avoid.
Financial Management for Consulting Firms: A Practical Guide
Consulting firms have unique financial challenges: project-based revenue, retainer billing, contractor payments, and cash flow gaps between work delivery and payment. Here's how to set up your financial infrastructure to handle all of it.
E-Commerce Bookkeeping: What Online Sellers Get Wrong (and How to Fix It)
E-commerce bookkeeping is harder than it looks: marketplace payouts, sales tax across 50 states, inventory valuation, and return accounting. This guide covers the specific bookkeeping challenges online sellers face.
Best Business Bank Accounts in 2026: What Actually Matters
We compared 10+ business bank accounts on monthly fees, APY, FDIC coverage, and real features. See which offer $0 fees, built-in bookkeeping, and the highest interest rates.
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 vs savings — when you need both, when you don't, and how to pick. Plus: accounts that combine 1.75% APY with free checking. Full comparison inside.
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, Options & Setup Guide
Everything you need to open a 501(c)(3) bank account — EIN requirements, documentation checklist, account comparisons, and which banks offer $0 fees with fund tracking for nonprofits.
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 (2026)
Banks that waive fees for nonprofits — compared for 2026. No minimum balance, full ACH, fund tracking, and free checking for 501(c)(3) organizations.
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.