Best Startup Banking & Finance Tools

The default startup bank account — free, fast to open, with virtual cards and treasury for idle cash built in.

Banking built for startups.

Corporate cards with limits underwritten on your raise, not your personal credit history.

Corporate cards + spend management for startups.

Spend management that actively hunts down duplicate subscriptions and wasted spend; the free cards are the wedge.

Spend less. The finance platform that finds savings.

The industry-standard cap table — your investors and lawyers already use it, and 409A valuations come bundled.

Cap table management + 409A valuations.

Cheapest way to pay international contractors and hold multi-currency balances at the mid-market rate.

International money transfer at the real exchange rate.

Pick this outside the US — multi-currency business accounts with local GBP and EUR details.

Modern business banking with multi-currency accounts.

Still the fastest receipt-scan-to-reimbursement flow for teams that expense a lot of travel.

Expense reports and corporate cards.

The heaviest-duty subscription billing engine here — proration, dunning, and revenue recognition layered on top of Stripe.

Subscription billing platform for SaaS.

Merchant of record that takes on global sales tax and VAT so you never have to register anywhere yourself.

Merchant of record platform for SaaS.

The credible Carta alternative, priced so pre-seed companies can afford proper equity management from the start.

Cap-table software for startups — modern Carta alternative.

Open-source merchant of record for indie developers — sell licenses and digital products with a few lines of code.

Merchant of record for developers selling digital products and SaaS.

Spend management and corporate cards for teams based in APAC, where Brex and Ramp won't onboard you.