Unlock High-Yield Cash Management for Your Business

Maximize your business's cash potential with Holdings - Enjoy a 4.82% APY on your deposits and the security of up to $3 million in FDIC insurance.

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Maximize Your Business's Cash Potential

Grow your cash until you need it

Say goodbye to mediocre returns and unlock the true potential of your money. With our solution, your cash can grow at an astounding rate—that's 10 times* faster than a traditional bank account.

* 10 times is based off of the national deposit rate for savings on FDIC.gov

How it works

Stay protected and diversified

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Diversify with a sweep network with 45+ banks including Goldman Sachs, Capital one and Evolve Bank & Trust
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Up to $3M in FDIC Insurance from our banking partners
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Limit money movement to connected accounts by approved users
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Don't lose liquidity

Maintain Flexibility

Experience the ease of moving your money without penalties or commitments, and take advantage of our fast and reliable same-day ACH and wire transfer services.

Get more for your cash

Start earning 4.82%* APY on your idle business cash today 🚀

*subject to Fed rate changes


Frequently Asked Questions

Will the yield change? How does Holdings make money?
The yield rate is tightly aligned with the variable national rates set by the Federal Reserve, so it will change. We pass along the rate we get from our banking partner to you. We then charge a fee that can be seen on our pricing page.
Does this mean I can close my other business bank accounts?
Holdings is designed to compliment your existing business bank accounts rather than replace them. Our aim is to provide a secure platform that helps you earn yield on funds that are not actively used in your day-to-day operations while ensuring high liquidity and same-day accessibility.

While Holdings offers an opportunity to earn yield on idle funds, we do not handle activities such as payroll, daily operating costs, or vendor payments. Instead, we focus on optimizing the returns on the sum of money that tends to sit idle in your account- an amount you may feel should be working harder for you, especially as inflation rises.

Think of us as a strategic partner that works alongside your operating bank accounts. We empower you to make the most of your funds that are not immediately needed, allowing you to earn yield without sacrificing liquidity.
Why should I open another account?
Opening an account through Holdings offers several key benefits that go beyond earning yield:

Enhanced Security: By separating your funds, you provide an additional layer of safety. Money can only be moved out of this account to linked business bank accounts by teammates you have authorized, limiting access and reducing the potential for unauthorized transactions.

Risk Diversification: Today’s businesses understand the importance of mitigating risk. When you open an account through us, your funds are distributed across multiple institutions within our trusted ‘sweep network,’ including esteemed names like Goldman Sachs, Capital One, and Evolve Bank & Trust. This diversification helps protect your assets and reduces institutional risk.

Unparalleled Flexibility: With Holdings, you maintain full control and flexibility over your funds. You can easily move your money whenever needed using same-day ACH or wire transfer services, ensuring quick access and the ability to adapt to changing circumstances.

By opening an account through us, you gain peace of mind, diversify risk, and maintain the flexibility to manage your funds effectively. We strive to provide a secure and convenient solution that empowers your business while addressing your unique financial needs.
What is a sweep network? Where is my money and how safe is it?
A sweep network is a network of banks that come together to share deposits so that they all have more cash. The great part is, the banks are willing to pay for these deposits, and that’s how you make yield.

Where is my money? We place your funds with our partner bank’s (Evolve Bank & Trust) sweep program. This program distributes the deposits across a network of FDIC-insured banks including Goldman Sachs, Capital One and Evolve Bank &Trust.

How safe is my money? We offer access to up to $3 million in FDIC Insurance—10x* more than a regular checking account.

To read more about the sweep program visit this website.

*10x is based off of the national deposit rate for savings on FDIC.gov.
How secure is the Holdings platform?
Your security is our utmost priority. We implement stringent security measures to safeguard your data and assets—we use military-grade encryption and end to end encryption for your private data stored on our platform. See our privacy policy for more details.
What monthly statements do you provide?
We provide monthly statements in PDF form that are available in our platform that includes every money movement, yield paid and relevant information.
Who are we?
Holdings is built by a team of seasoned operators and founders, we are dedicated to providing innovative software that simplifies and democratizes financial services, empowering businesses like yours to thrive.

What sets us apart is the collective expertise of your team, derived from esteemed institutions including Goldman Sachs, ClearCo, Mercury, Wex and others. This wealth of experience allows us to understand the intricacies of the financial landscape and develop software solutions that cater to your unique needs.

We are committed to building trust through transparency, reliability, and customer-centricity. Our mission is to empower businesses by removing complexities and making financial services more accessible. With Holdings, you can trust that you are partnering with a team that is passionate about your success and dedicated to providing you with the tools and resources to achieve your financial goals.
Get more for your cash

Start earning 4.82%* APY on your idle business cash today 🚀

*Subject to Fed rate changes