Maximize Your Business Cash with Holdings

Earn more on your idle cash while enjoying the peace of mind that comes with FDIC insurance up to $5 million.


Holdings is a Registered Investment Advisor, registered with the Securities and Exchange Commission.

Blue background image
Application visual that shows customers what they are being paid
Application graph of yield growing
Yield Received
Put your cash to work

Grow your cash until you need it

Earn a competitive 4.62%* annual yield on your idle cash with our easy-to-use business account.

How it works

Stay protected and diversified

Lock icon
Enjoy up to $5M in FDIC insurance
Icon showing diversification
Benefit from our sweep network of 45+ trusted banks
Shield Icon
Control money movement and user access
Green background
Accounts linked notification
Banks properly connected
Approved teammates notification
Arrow showing progression
Green background color
Money movement notificationNotification action image
Move imageAction image
Action image showing motionArrow image showing movement
Action image showing motion
Access your cash when you need it

Maintain Flexibility

Keep your cash accessible, so you can capitalize on opportunities as they arise.

put your cash to work

Start earning 4.62%* APY on your idle business cash today 🚀

*subject to Fed rate changes


Frequently Asked Questions

Will the yield change?
Down Chevron
The yield rate is tightly aligned with the variable national rates set by the Federal Reserve, so it will change. We also offer higher yield based on the amount of deposits in your Holdings account. The more you deposit, the more you earn. See more on our pricing page.
Does this mean I can close my other business bank accounts?
Down Chevron
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?
Down Chevron
Separating your funds offer many benefits other than earning yield. Here are a few:
  • Put idle money somewhere safe: Money can only be moved out of this account to linked business bank accounts by teammates you have granted access. These measures limit the places your money can go, and the people who have access to it.
  • Diversify your institutional risk: Today’s modern business needs to avoid risk by working with several institutions. When you open an account with us your funds are distributed between many institutions in our “sweep network” including Goldman Sachs, Capital One and Evolve.
  • Maintain flexibility: Funds can be moved easily by same-day ACH or wire transfer anytime you need them.
What is a sweep network? Where is my money and how safe is it?
Down Chevron
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 Capital One, Evolve Bank &Trust, and others.

How safe is my money? We offer access to up to $5 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
How secure is the Holdings platform?
Down Chevron
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?
Down Chevron
We provide monthly statements in PDF form that are available in our platform that includes every money movement, yield paid, and relevant information.
Who is Holdings?
Down Chevron
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.
Put your cash to work

Start earning 4.62%* APY on your idle business cash today 🚀

*Subject to Fed rate changes