All-in-One banking that helps small businesses increase their profits

Open a business checking account online 

in only 10 minutes.

Simplify your life & save time by consolidating everything into one banking platform

(Think banking, employee cards, bill.com, loans & Quickbooks all in one place)

Checking Accounts 

Spend Management

Budgeting

Employee Cards

P&L Statements

Bill Pay

Interest Loans

Built to increase your profits 

Free checking accounts

Save $100s monthly with our free checking accounts that help you eliminate NSF fees

Budget-Linked employee debit cards

Eliminate expense reports, keep out of debt & save $1,000s on wasteful spending with our budget-linked cards

Bill Pay

Pay vendors for FREE via ACH or we can mail them a check on your behalf

Automated spend management

Adjust spend before it's too late by tracking & managing spend ALL IN ONE PLACE

P&L Statements

We auto-generate Profit & Loss statements & update them daily to help you track profitability

Budgeting

Save $1,000s on going over budget  by creating & assigning budgets right on your dashboard

0% Interest loans

Save $1,000s on interest & accelerate growth with our 12 mo. 0% interest loans (no credit check or personal guarantee required)

Text-to-Transfer Technology

Decrease wasteful spending by approving employee spend requests via text message, reply “Yes” & we transfer funds to their cards or budgets immediately

Trusted by

Your Money & Data is Safe

OPEN AN ACCOUNT IN 10 MINUTES

Tell us about yourself​

Tell us about your business

Get your PROFIT account

Applying will NOT affect your credit score in any way.  We will NOT check your credit history.

Our Story

PROFIT was started by two small business owners.  They were frustrated with using five different platforms for banking, budgeting, employee cards, spend management and tracking profitability.  This was inconvenient, costly, fragmented, and wasted valuable time.

They decided to build the first All-in-One banking platform that budgets, manages spend and tracks profitability so business owners can make better financial decisions.

Superior banking for superior results

Benefits

SAVE ON FEES WITH OUR FREE BUSINESS CHECKING ACCOUNTS

• No monthly fee

• No minimum balance required

• No hidden fees

• Free same-day ACH

• FDIC Insured

ALL YOUR COMPANY'S EXPENSES TRACKED & MANAGED IN ONE PLACE

• Easy to track

• Adjust spend before it's to late

• Track spend by:  Employee, Budget, Category & Merchant

PREVENT OVERSPENDING BY CREATING BUDGETS

• Create & fund budgets right on your dashboard

• Assign budgets to managers for them to manage

• Add employees to budgets to control spend

BUDGET-LINKED EMPLOYEE DEBIT CARDS TO PREVENT OVERSPENDING

• Issue cards from a specific budget to avoid overspending

• Every card transaction is attached & tracked by a budget

• Issue virtual or physical cards

ELIMINATE EXPENSE REPORTS & REIMBURSEMENTS

• 85% of employees admit to lying on expense reports.*

• ​Stop wasteful spending before it occurs

• Saves your accountant time

* Source:

12 MONTH, 0% INTEREST BUSINESS LOANS

Receive your first $1,000 interest-free loan after you spend $25,000 on your employee cards.  The more you spend the higher your interest-free borrowing power becomes.

• No credit check or personal guarantee required

• No more going to a bank & getting turned down for a loan

• Funds available the next day

• Improve your cashflow & business credit

• Repay it back in 12 equal monthly payments

SAVE TIME & PREVENT WASTEFUL SPENDING WITH OUR TEXT-TO-TRANSFER TECHNOLOGY

Employees simply text PROFIT the amount they need & the reason. We then route that text to their manager.  When their manager replies "Yes", we fund the employee's card from that manager's budget in seconds.

STOP CHASING RECEIPTS

Cardholders are sent a text the moment they swipe their card to reply back with a photo of their receipt. We automatically collect & match receipts to transactions, saving you valuable time. 

INTEGRATES WITH QUICKBOOKS TO HELP AUTOMATE RECONCILIATION

Save hours each month with automated categorization & reconciliation.

HOW IT WORKS

01

FUND YOUR PROFIT ACCOUNT

Connect your traditional bank account & instantly transfer funds with a click

02

CREATE & FUND YOUR BUDGETS

Assign budget owners to the budgets you've created for them to manage accordingly

03

ISSUE & FUND CARDS IN SECONDS

Cards are issued & funded from budgets you've created, this prevents employees & departments from overspending

04

TRACK SPEND IN REAL-TIME

Overall company and individual budget spend is tracked in real-time for you to view in one place

05

AUTOMATE YOUR ACCOUNTING

Receipt collection, payment categorization, real-time reconciliation are all handled automatically

Why
business owners
love us?

• Stop employees & departments from overspending by creating & funding budgets, then issuing employee cards directly from those budgets

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• No more sharing cards, issue & fund physical or virtual cards in real-time

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• View spend analytics & prohibit spend by categories if you want

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• Saves hours of work time by eliminating expense reports & processing employee reimbursements

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• Saves time by funding spend requests on-the-go via text message

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• Improve your cash flow with our 0% interest business loans with no late fees, no credit check or personal guarantee required

Why accountants love us?

• Close books in an hour, not days

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• Instant reconciliation, eliminates the need for expense reports & employee reimbursements

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• Integrates with accounting software

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• Auto-categorizes transactions & identifies wasteful spending

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• No more chasing receipts, we text employees to reply with pictures of receipts & auto-match them to their transactions

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• Tracks spend in real-time

Why managers love us?

• It empowers them by giving them control of their own budgets

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• Eliminates expense reports

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• Issue Budget-Linked cards & funds to team members in real-time

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• View your budgets & team member's spend in real-time

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• Approve spend requests & fund cards on-the-go via text message

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• Prohibit spend categories

Why Employees love us?

• 37% experience cash flow problems & 10% have missed a credit card payment waiting for a reimbursement

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• 49% are frustrated by having to pay for business expenses out of their own pocket & waiting for reimbursement

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• Company costs should never affect an employee's personal finances

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• 25% have postponed or cancelled meetings because they couldn't cover the cost themselves

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• No worrying about loosing receipts with automated receipt capturing

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• Eliminates pesky expense reports

JOIN OUR WAITLIST FOR EARLY ACCESS