Building the financial platform businesses deserve
Holdings is the only platform that combines business banking, accounting, and bookkeeping in one place—with 1.75% APY†, zero fees^, and books that stay current every month.
Founded in 2022 by three fintech veterans from Mercury, Divvy, and SVB, we serve small businesses, nonprofits, and professional services firms — giving every organization the financial tools that were once reserved for Fortune 500 companies.
Our Mission
We're on a mission to give every business access to the financial tools that were once reserved for Fortune 500 companies.
Traditional banks charge excessive fees while paying nearly zero interest. Accounting software doesn't talk to your bank. Bookkeeping is manual and error-prone.
We're fixing all of that. Holdings combines banking, accounting, and bookkeeping into one seamless platform - with the best rates in the industry and zero fees^.
FDIC insured per depositor*
APY on deposits†
Type II certified
Seed round raised
Our Values
The principles that guide everything we do
Customer Obsessed
Every decision starts with 'How does this help our customers?' We exist to make their lives easier.
That's why we built accounting directly into banking—so you don't juggle multiple platforms.
Radically Transparent
No hidden fees, no fine print, no surprises. We tell you exactly what you're getting.
Our pricing page shows everything. Your bookkeeper's name. Your exact APY. Always.
Built to Last
We're not chasing quick wins. We're building infrastructure that businesses can rely on for decades.
SOC 1 Type II certified, $3M FDIC insurance, and partnership with i3 Bank means your money is safe.
Give Back
Success means nothing if we don't share it. Our charity matching program is core to who we are.
Every Holdings customer can donate through our Perks platform, and we match contributions.
Meet the Founders
Holdings was founded in 2022 by three fintech veterans who previously built products at Mercury, Divvy, and Silicon Valley Bank. Today, our growing team includes engineers, designers, product specialists, and certified bookkeepers working remotely across the US.
Jason Garcia
CEO & Co-Founder
Previously VP of Capital at Mercury, Head of Business Development at Divvy, and Senior VP at Silicon Valley Bank. Leads company strategy, fundraising, and growth.
Mahalia Thomas
Co-Founder & Chief Product Officer
Leads product strategy and user experience design across banking, accounting, and bookkeeping. Passionate about building intuitive tools that business owners actually want to use.
Hunter Davis
Co-Founder & CTO
Leads engineering and technical infrastructure. Built the Holdings platform from the ground up using React, TypeScript, Rust, and SQL.
Our Journey
From idea to industry leader
The Team Meets
The founding team met while working together at a fintech company, building amazing products and dreaming of bringing a different perspective to finance for business owners.
Company Founded
Holdings is officially incorporated. The team sets out on their dream of starting their own business.
Product Launch
First product launches during the banking crisis. While distrust in banks ran high, the team proved their resolve for building products business owners could trust.
$7M Seed Round
Holdings announces a $7M seed round from top fintech investors, validating the vision for unified banking and accounting.
First $10M Managed
Platform reaches $10M in managed deposits just one month after the seed announcement.
1,000 Users
Holdings crosses 1,000 users on the platform, marking a major milestone in adoption.
i3 Bank Partnership
Company transitions to i3 Bank, expanding FDIC insurance coverage up to $3M per depositor.*
Debit Cards Launch
Holdings launches business debit cards with real-time controls and 55,000+ fee-free ATMs.^
Accounting & Bookkeeping
Full accounting software and professional bookkeeping services launch, completing the unified platform vision.
Join our mission
We're looking for passionate people who want to change how businesses manage their finances.
Remote-friendly
PTO policy
Compensation
For all employees
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.