Holdings offers an integrated financial workspace for small businesses, nonprofits, and professional service firms, combining free business banking with a suite of over 35 tools such as invoicing, tax calculators, and budgeting.
Funding
$3M raised to dateRaised to date based on public sources. This may differ from the amount the company actually raised and is based only on what is publicly available on the internet.
Founders
Product
Problem
Small businesses, nonprofits, and professional service firms often need separate tools for banking, invoicing, and accounting, leading to fragmented workflows, manual bookkeeping, and hidden fees from traditional banks and accounting software.
Solution
Holdings provides an integrated financial workspace that combines free business banking, a suite of over 35 tools, and tiered accounting capabilities. Users can connect their bank accounts via Plaid to automatically import and categorize transactions, generate cash‑flow forecasts, and produce profit‑and‑loss and balance‑sheet reports. The platform offers three plans: a free tier with basic tools and banking, a $25 /mo “Software” tier that adds full double‑entry accounting and invoicing, and a $59 /mo “Services” tier that automates monthly close, receipt matching, and smart categorization, with optional human bookkeeper add‑ons. This unified approach eliminates the need for multiple subscriptions, reduces manual data entry, and provides transparent pricing with no hidden fees.
Target Audience
Holdings targets small business owners, nonprofit administrators, and professional service firms that need a simple, cost‑effective solution for banking, invoicing, and bookkeeping, especially those who prefer either hands‑on control or fully automated accounting.
Features
- Integrated business banking with up to 1.75% APY on deposits and FDIC insurance up to $3 M
- Automatic transaction import and categorization through Plaid
- Full double‑entry accounting, bank reconciliation, and customizable financial reports (P&L, balance sheet)
- Invoicing and payment link generation with saved invoices and reports
- Automated monthly close, smart categorization rules, and receipt matching in the Services plan
- Cash‑flow forecasting and budgeting tools available across all tiers
- Access to 35+ free business tools including tax calculators, budgets, and checklists
- No credit‑card requirement for the free tier and transparent, flat‑rate pricing for paid plans