Holdings for Startups
Your investors want clean books. Your customers want invoices. Your runway needs 1.75% APY.
Holdings gives you free business banking, full accounting, and invoicing — in one place. No stacking Mercury + QuickBooks + Stripe + a bookkeeper. Just one tool that does the finance side.
*Free to start · No monthly fee · FDIC insured to $3M · 1,000+ businesses
You're building the product. Not running an accounting firm.
Early-stage founders spend too much time stitching together banking, accounting, payroll exports, and investor reports. Every tool talks to every other tool — until it doesn't. Holdings cuts the stack in half.
The financial stack for pre-seed to Series A.
Free business checking — 1.75% APY
Every dollar in your account earns interest. No minimums, no monthly fees, no wire fees. FDIC insured to $3M. Your runway earns while you build.
Full accounting from $25/mo
Real double-entry accounting connected to your bank. Transactions categorize automatically. P&L and Balance Sheet always current. Export to QuickBooks, Xero, or CSV for your investors.
Invoices + payment links
Bill customers, collect revenue, track receivables — without a separate invoicing tool. Payment links mean clients pay by card in 90 seconds.
Visa debit + sub-accounts
Separate operating funds from payroll reserves, marketing budgets, or tax set-asides. One account, organized.
Export-ready for investors
Clean P&L, Balance Sheet, and transaction history available any time. When your investor asks for financials, you send a PDF in 5 minutes.
Frequently asked questions
Focus on product. We'll handle the finance side.
Don't pick a bank blindly
15 things to verify before you open a startup business account — FDIC limits, fee traps, team permissions, and the right questions to ask.
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