The Entrepreneurial Journey: Jason Garcia's Path to Founding Holdings

What does it take to build a financial platform that truly puts business owners first? CEO Jason Garcia’s story offers a blueprint for innovation, resilience, and a relentless focus on solving real SMB pain points.

From Corporate Finance to Fintech Visionary

Jason’s career began at major institutions like KPMG and Goldman Sachs, where he learned how big banks operate—and where they fall short for business owners. His time at Silicon Valley Bank, working closely with startups, revealed a growing need: modern businesses wanted more than just a place to park cash. They needed higher yields, robust security, and tools that actually save time.

Curious how top entrepreneurs turn insights into growth?
Explore The 3 Ways to Grow Any Business for actionable strategies.

The Spark: A New Kind of Business Banking

Witnessing the 2023 banking crisis firsthand, Jason saw how vulnerable businesses were when deposits exceeded FDIC insurance limits. This pivotal moment inspired him to accelerate Holdings’ launch, creating a platform that offers up to $3M in FDIC insurance and up to 3% APY—so your business cash is always protected and working harder.

Want to know how Holdings helps you get more from every dollar?
See The Secret Levers Behind High-Profit Businesses (That Most Owners Miss).

Building Holdings: Banking That Pays You Back

Holdings isn’t just another neobank. Jason’s vision was to combine:

• Zero account fees and no minimums

• Multi-account management for easy financial organization

• Free ACH and wire transfers

• Integrated accounting and bookkeeping (launching soon!)

• Future-ready invoicing and bill pay tools

All designed to help business owners spend less time on admin and more time growing their companies.

Ready to see how modern banking can transform your business?
Read The 80/20 Rule: The Simple Principle That Can Transform Your Business Finances.

The Holdings Difference

Jason’s journey shows why Holdings stands out:

• Integrated platform: One hub for banking, accounting, and soon, invoicing.

• High-yield, high-security: Up to $3M FDIC insurance and up to 3% APY on large balances.

• No hidden fees: Transparent, business-friendly pricing.

Explore how Holdings is changing the game:

• The Hidden Cost of Banking in Fancy Buildings

• Every Industry Evolves: Is Your Money Stuck in the Past?

• The Museum of Antiquated Finance: Why Modern Businesses Deserve Better Banking

Join the Journey

Jason’s story is just the beginning. As Holdings continues to roll out new features—from integrated accounting to seamless invoicing—our mission remains the same: empower SMBs with the financial tools and support they deserve.

Ready to experience banking built for business owners? Open your Holdings account or contact our team today.

Watch the full episode below