Free invoicing built for agencies.
Send recurring client retainers, project invoices, and payment links — free. Connect Claude, ChatGPT, or Cursor, or use the web app. No monthly fee.
No credit card required · Set up in under 5 minutes · No monthly fee
Total Balance
$218,540.00
↑ 15.7% from last month
By Client
One fund per client. Total margin visibility.
Tools and accounting designed for how agencies actually operate
Separate Client Retainers
Every client retainer tracked as its own fund inside the books. Never accidentally mix one client's money on another's project.
Track Project Profitability
See real-time profit margins on every client engagement. Auto-categorize expenses by project, client, or team.
Team Cards with Budgets
Issue cards per team member or per project. Set spend limits, auto-categorize purchases, and track every dollar in real time.
How it works
Get set up in minutes, not weeks
Open your agency account
Sign up with your EIN. No branch visits, no minimum deposits. Your account is ready in minutes.
Account Setup
Set up client funds in the books
Track each client retainer, project budget, and team expense category as its own fund inside the books. Per-client margin stays visible from day one.
By Client
Track client revenue and expenses
Every invoice payment and expense is auto-categorized. See profitability per client, per project, per team.
Recent Transactions
Generate client-ready reports
Pull P&L by client, project profitability reports, and cash flow forecasts. Export for clients or your accountant.
Profit & Loss
What you get
Agentic invoicing (the wedge), agency accounting, and connected business banking — one platform, one login
Free invoicing built for retainers and project work
- Unlimited invoices, quotes, and payment links — no monthly fee
- Draft recurring retainers and project bills from Claude, ChatGPT, or Cursor via MCP
- Per-client billing profiles and branding
- Card + ACH payment links on every invoice (Stripe, ~3% + $0.30)
- Auto-reconciled to the right client fund when payment lands
- Works on top of whichever bank your agency already uses
Bookkeeping that runs itself
- Auto-categorize expenses by client, project, or vendor
- Per-client P&L and project profitability reports
- Track retainers, ad spend, and team costs separately
- Connect external accounts for a complete picture
- Export to QuickBooks, Xero, or CSV for your CPA
- Smart rules and auto-categorization that learn as you go
A bank account that lives in your books
- Free agency checking — no monthly fee
- FDIC insured up to $3M via i3 Bank + program-bank network
- 1.75% APY on operating cash and client retainers
- Free domestic ACH, wires, and staff cards with spend controls
- Deposits auto-reconcile to the right client fund the moment they clear
- Or connect your existing bank via Plaid — either way, everything writes to the same books
Get the Agency Financial Playbook
How top agencies manage client retainers, track project profitability, and separate revenue by client — without a CFO.
We'll send the agency financial playbook and nothing else. No spam, unsubscribe anytime.
Trusted by agencies everywhere
300+
Agencies on Holdings
$0
Invoicing, no monthly fee
4.1★
Trustpilot rating
“Great communication and support. The team is always there for us! Transactions are easy and simple, freeing up valuable time spent with other banks trying to get wires/transfer released.”
E. Lamsus
Verified Trustpilot Review
Read about giving every dollar a job description → Issue No. 2
Frequently asked questions
Can I keep client retainers separate from operating funds?+
How do I track project profitability?+
Can team members have their own cards?+
How does Holdings compare to a separate invoicing tool + QuickBooks?+
Can my bookkeeper access the accounts?+
Is there a limit on fund tracking?+
Explore Holdings for Agencies
Free AI Invoicing
Send invoices, quotes, and payment links from Claude, ChatGPT, or the web — no monthly fee.
Fund Tracking in Books
Client retainers and project budgets tracked as separate funds inside your books.
Accounting Software
Automatic categorization, P&L, and balance sheets.
Holdings vs QuickBooks
Built-in accounting vs add-on software.
For Professional Services
Trust accounting, client funds, and multi-entity billing.
Accounting for Firms
Essential accounting for consulting firms.
Multi-Entity Accounting
Guide to managing books across multiple entities.
Business Expense Categories
Complete guide to business expense categories.
Ready to get started?
Open your account in minutes. No branch visits, no paperwork, no fees.
Free unlimited invoicing · Accounting from $25/mo · FDIC insured up to $3M
Related Resources
Accounting for Service Firms
Accounting solutions for law firms and consultancies.
Multi-Entity Accounting Guide
Managing multiple entities in one platform.
Holdings vs QuickBooks
Built-in accounting vs add-on accounting software.
Holdings vs FreshBooks
Compare Holdings and FreshBooks for invoicing and accounting.
Free Invoice Generator
Create and download professional invoices in seconds.
Free P&L Generator
Know your cash position in 5 minutes
The Agency Cash Flow Template — monthly projections, client retainer tracker, project profitability, and 90-day runway forecast.
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