Holdings for Contractors
Quote the job. Do the work. Get paid. Holdings handles the rest.
Free business checking at 1.75% APY. Professional quotes that convert to invoices in one click. Payment links so clients pay by card. Add accounting ($25/mo) and your books track themselves.
Built for independent contractors and small construction businesses.
*Free to start · No monthly fee · FDIC insured to $3M · 1,000+ businesses
Great contractors get paid late. It's not your work — it's the billing.
You finished the job. It looks great. Now you've got an invoice in Word, a check request sitting on someone's desk, and a 45-day wait ahead of you. Not because the client doesn't want to pay — because there's no frictionless way for them to do it.
Holdings puts a payment link on every invoice. Client clicks. Pays by card. Money moves in 24 hours.
The financial tools your business actually needs.
Quotes that win jobs
Send a professional branded quote — scope, labor, materials, timeline, payment schedule. Looks like it came from a company 10x your size.
Quote → invoice in one click
Client approves? Convert to invoice instantly. Line items carry over. Invoice number assigned. Payment link attached. Send it before you've left the driveway.
Payment links on every invoice
Client pays by card — deposit, progress payment, or final balance. Funds in your Holdings account in 1–2 business days. 3% + $0.30. No monthly fee.
Free business checking
A real business account, zero fees, 1.75% APY. Sub-accounts to separate project funds, materials budgets, or tax set-asides.
Bookkeeping that tracks itself
Revenue logs automatically when clients pay. Job by job, month by month. P&L always current — no spreadsheet maintenance.
Built for every kind of contractor.
- Construction invoicing
- Landscaping & lawn care
- Cleaning services
- Photographers
- Freelancers & independent pros
See the invoicing and quote pages tailored to your trade in Explore More below.
Frequently asked questions
You build things. Holdings handles the money side.
Never miss a quarterly payment again
The Contractor's Tax Prep Kit — 1099 filing, quarterly payment calendar, deductions list, and effective tax rate calculator.
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