Now In Your Toolbox
Free Banking
Enjoy $0 fees, high yield & rewards, free wire transfers, and no minimum balances.
0% APR Charge Card
Access up to $6M/year on your free Toolbox charge card, based on your business's financial health.
1% Yield + Debit Rewards
Earn a 1% yield on all business account deposits. Plus get up to 1.3% cashback or statement credit on your account.
Business Intelligence
Get a 360 view of your business' financial position and understand how to optimize your financial resources for success.
$10M in Business Funding Access
Get tailored recommendations and direct access to up to $10M in business capital.
Spend Management
Say goodbye to expense reporting hassles with SMS receipt capture, automated receipt matching, and smart transaction categorization.
Why Toolbox
Because Every Startup Deserves World-Class Financial Tools.
Toolbox offers intelligent banking features, financial insights & recommendations, and automated bookkeeping—ensuring financial operations are always at their peak.
Banking, charge cards & financing for startups
Why Toolbox for Your Startup's Bank Account?
Simplified Banking Experience: At Toolbox, we value your time and efforts. Our user-friendly interface and seamless onboarding process make managing your finances a breeze, giving you more time to focus on what truly matters – growing your business.
Tailored Financial Insights: Unlock the power of personalized, data-driven financial insights with Toolbox. Our platform empowers startups with actionable recommendations, helping you make informed decisions and optimize your financial management.
Innovative Features & Rewards: Experience banking that goes the extra mile. From mobile check deposits to Triple Rewards and exclusive debit card perks, Toolbox offers features to enhance your banking experience.
Benefits of a Dedicated Bank Account for Your Startup
Clear Financial Separation: A startup's bank account helps maintain a clear boundary between personal and business finances, simplifying accounting and tax preparation.
Streamlined Expense Management: With Toolbox, track ACH, wire, and debit transactions effortlessly, gaining a comprehensive view of your expenses and managing your budgets efficiently.
Access to Business Capital: Explore our lender marketplace to find the ideal credit solutions for your business needs, from short-term financing options to up to $10M in lines of credit and term loans.
How to Open a Bank Account for Your Startup
Easy Online Application: Follow our simple onboarding flow, designed to guide you through the account setup process, ensuring a smooth and hassle-free experience.
Required Documentation: Be sure to apply for a business Employer Identification Number (EIN) if you don't already have one. You may apply for an EIN online if your principal business is located in the United States or U.S. Territories. The person applying online must have a valid Taxpayer Identification Number (SSN, ITIN, EIN). After all validations are done you will get your EIN immediately upon completion. You can then download, save, and print your EIN confirmation notice.
Get Started in Minutes: Discover the convenience of quick business account opening with Toolbox. In less than 10 minutes, step into a world of financial possibilities tailored for startups.
Frequently Asked Questions
What makes Toolbox different for startups? At Toolbox, we focus on providing innovative banking solutions, personalized insights, and a suite of features designed to cater to the unique needs of startups.
How can I access and manage my account? Experience the ease of managing your account through our user-friendly platform, accessible from both mobile and desktop, ensuring you stay in control of your finances anytime, anywhere.
Can I integrate my Toolbox account with accounting software? Absolutely! Toolbox offers seamless integration with popular accounting tools, streamlining your financial tracking and administrative tasks.
Leverage Financial Flexibility with Toolbox's Charge Card for Startups
Scale & grow faster: Equip yourself with Toolbox’s Business Charge Card–your startup's gateway to financial flexibility, curated rewards, and seamless expense management. Unlock a world where every transaction fuels your entrepreneurial journey!
Tailored for Startups: We understand the distinct challenges and aspirations of startups. Our business charge card is designed with features that address your unique needs, offering a 0% APR, net-30 line of credit limit based on your business revenue, cash flow, and overall financial health. Say goodbye to costly business credit cards.
Innovative Features & Rewards: Experience a free business charge card that goes the extra mile. Toolbox's intuitive expense management tools empower you to categorize, track, and control your spending with ease. Watch your business flourish as you gain insights and keep your finances meticulously organized.
Benefits of a Dedicated Charge Card for Your Startup
Clear Financial Separation: A business charge card helps maintain a clear boundary between personal and business finances, simplifying accounting and tax preparation.
Streamlined Expense Management: With Toolbox, track charge card transactions effortlessly, gaining a comprehensive view of your expenses and managing your budgets efficiently. Plus enjoy unlimited charge cards to create custom cards by project, vendor, or expense type.
Access up to $6M for $0 cost: Unlike business loans or credit cards, startups with a valid EIN can access up to $6M/year in 0% APR spend with no monthly fees, hidden costs, or compounding credit card interest. Plus earn rewards along the way.
How Startups Can Apply for a Business Charge Card
Easy Online Application: Follow our simple onboarding flow, designed to guide you through the account setup process, ensuring a smooth and hassle-free experience.
Required Documentation: Be sure to apply for a business Employer Identification Number (EIN) if you don't already have one. You may apply for an EIN online if your principal business is located in the United States or U.S. Territories. The person applying online must have a valid Taxpayer Identification Number (SSN, ITIN, EIN). After all validations are done you will get your EIN immediately upon completion. You can then download, save, and print your EIN confirmation notice.
Connect Your Business Bank Account: Your charge card limit is based on your business's annual revenue, average bank balances, cash flow, and overall financial health. Due to this, you'll need to connect your business bank account in our online application as part of the approval process.
Explore Business Funding Options for Startups
Funding to Expand Your Business: Fill out the simple application below for quick and easy access to capital to better manage cash flows and invest in growth.
Growth Opportunities: Accessing external capital opens up a range of possibilities for growth and taking your business to the next level. Buy materials and supplies, purchase equipment, open a new location, renovate your space, or hire new employees.
Minimum Criteria: Any business, from small to large, can get access to the needed capital as long as you meet these minimum requirements: $10k in monthly revenue, 6 months in business, and a 550 credit score.
A Wide Range of Funding Options for Startups
Term Loan:
- Up to $10,000,000
- 6 to 36-months
Receivables Advance
- Up to $750,000
- 3 to 12-months
Line of Credit:
- Up to $10,000,000
- Revolving terms
Other Financing Options
- Amounts will vary
- 3 to 36-months
Apply Online to Compare Multiple Loan Options at Once
Easy Online Application: Get loans on the most favorable terms from 100+ funders.
Get funded in 24 hours: Complete your application in as little as 15 minutes. Review your options, choose your right offer, and you can be funded as fast as 24 hours after your approval.
Apply for Business Capital Now: The funds can be used for just about anything you need to scale your startup.