# holdings.io

> AI-optimized mirror of holdings.io containing 50 pages totalling 44,181 words of clean markdown content, structured data, and semantic HTML. Original source: https://holdings.io. Last updated: 2026-08-08T03:23:10.191Z.

Each page is available as HTML (with JSON-LD structured data) and Markdown (text-only, ideal for LLMs and RAG).

## Homepage

- [Holdings — Banking, invoicing, and books your AI can run](/content/site-root.html): One connected account for your banking, invoicing, and books — built so any AI can run it. i3 Bank included. Free invoicing. Accounting from $25/mo. (519 words)

## Articles & Blog Posts

- [Best Banks for Small Business (2026) — Fees, APY & Features Compared](/content/getholdings-com/compare/best-banks-small-business/index.html): Compare the top small business banks on fees, APY, FDIC coverage, and features. Honest buyer's guide, no marketing spin. (1,373 words)
- [Compare Holdings vs banks, accounting tools, and bookkeeping services](/content/getholdings-com/compare/index.html): See how Holdings stacks up against QuickBooks, Mercury, Chase, and more. Holdings is agentic invoicing + accounting that runs on top of whichever bank you already use. (814 words)
- [Church Accounting & Invoicing — Built for Ministries | Holdings](/content/getholdings-com/solutions/churches/index.html): You didn't get into ministry to do bookkeeping. Real double-entry accounting with nonprofit statements, a sub-account for every fund, and a free verified profile — with connected banking included. Built for how churches actually work. (795 words)
- [Invoice Generator — Free Online Invoice Maker | Holdings](/content/getholdings-com/tools/invoice-generator/index.html): Free invoice generator: create professional invoices in seconds. Add line items, tax, discounts, and your logo. Download as PDF free — no signup, no watermarks. (688 words)
- [Free Expense Tracking Software for Small Business | Holdings](/content/getholdings-com/tools/expense-tracker/index.html): Free expense tracking software for small business. Categorize spending by IRS category, get auto-suggestions, and see real-time deduction totals. No signup required. (540 words)
- [Free Cash Flow Forecast for Small Business | Holdings](/content/getholdings-com/tools/cash-flow-forecast/index.html): Project your cash position 6-12 months ahead with danger zone alerts and runway calculator. Free cash flow forecasting tool for small businesses. (509 words)
- [Profit and Loss Statement Template — Free P&L Generator | Holdings](/content/getholdings-com/tools/profit-and-loss/index.html): Build a profit and loss statement from a free template with auto-calculated gross and net margins. Free P&L generator for small businesses and freelancers. (553 words)
- [Free 501(c)(3) Donation Receipt Generator | Holdings](/content/getholdings-com/tools/donation-receipt/index.html): Generate IRS-compliant 501(c)(3) donation receipts with all required tax disclosures. Free donation receipt maker for nonprofits. No signup. (667 words)
- [Holdings for Contractors — Banking, Invoicing & Quotes, Free](/content/getholdings-com/contractors/index.html): Free business banking, professional quotes and invoices with payment links, and — with accounting ($25/mo) — books that reconcile themselves. Get paid faster on every job. (457 words)
- [AI Invoicing for Irish Businesses — Handled | Holdings](/content/getholdings-com/ie/index.html): Send invoices, quotes, and payment links in EUR. Direct Claude, ChatGPT, or Cursor to run your invoicing — you approve every send. VAT at 23% / 13.5% / 9% / 0%. No monthly fee; full accounting from $25/mo. (511 words)
- [Holdings for Freelancers — Free Banking & Invoicing](/content/getholdings-com/freelancers/index.html): Free business banking at 1.75% APY and invoices with payment links — built for freelancers. No monthly fee. Add accounting ($25/mo) for books that reconcile themselves. (478 words)
- [Holdings for Startups — Free Banking & Invoicing](/content/getholdings-com/startups/index.html): Free business banking at 1.75% APY, full accounting from $25/mo, and 59 free financial tools. Built for early-stage startups and founders. (425 words)
- [AI Invoicing for Singaporean Businesses — Handled | Holdings](/content/getholdings-com/sg/index.html): Send invoices and quotes in SGD — with AI. Direct Claude, ChatGPT, or Cursor to draft, follow up, and reconcile. GST at 9%. No monthly fee; full accounting from $25/mo. (503 words)
- [Holdings for E-Commerce — Free Banking & Invoicing](/content/getholdings-com/ecommerce/index.html): Free business banking and invoicing for e-commerce sellers, plus accounting ($25/mo) that knows your real margins — not just your payouts. (410 words)
- [AI Invoicing for Kiwi Businesses — Handled | Holdings](/content/getholdings-com/nz/index.html): Send invoices and quotes in NZD — with AI. Direct Claude, ChatGPT, or Cursor to draft, follow up, and reconcile. GST at 15%. No monthly fee; full accounting from $25/mo. (537 words)
- [Facturación con IA para tu negocio | Holdings](/content/getholdings-com/es/index.html): Envía facturas, cotizaciones y enlaces de pago con IA — dirigidos por Claude, ChatGPT o Cursor. Gratis para siempre. Contabilidad completa desde $25/mo. (498 words)
- [AI Invoicing for Australian Businesses — Handled | Holdings](/content/getholdings-com/au/index.html): Send invoices and quotes in AUD — with AI. Direct Claude, ChatGPT, or Cursor to draft, follow up, and reconcile. GST at 10%. No monthly fee; full accounting from $25/mo. (474 words)
- [Press & Media | Holdings](/content/getholdings-com/press/index.html): The latest news, media coverage, and insights from Holdings — the fintech platform combining free business banking with AI-powered accounting from $25/mo. (849 words)
- [Invoicing & Books for Accounting Firms & Bookkeepers | Holdings](/content/getholdings-com/for-accountants/index.html): Manage every client's invoicing and books from one login. Holdings supports multiple companies per login natively — and because invoicing and the ledger are one system, a paid invoice is already in the books. No reconciling, no bank-feed lag, no CSV across 30 clients. (1,500 words)
- [AI Invoicing for Canadian Businesses — Handled | Holdings](/content/getholdings-com/ca/index.html): Send invoices, quotes, and payment links in CAD. Direct Claude, ChatGPT, or Cursor to run your invoicing — you approve every send. GST/HST at 5–15%. No monthly fee; full accounting from $25/mo. (487 words)
- [How to Start a Business & Get an EIN — All 51 States | Holdings](/content/getholdings-com/start-business/index.html): Step-by-step guides to start an LLC, corporation, or partnership in any US state. Filing fees, tax rates, registered agent requirements, and free EIN application. (414 words)
- [Security | Holdings](/content/getholdings-com/security/index.html): Bank-grade security for your business. SOC 1 Type II certified. AES-256 encryption. FDIC insured to $3M. (610 words)
- [E-Sign Consent | Holdings](/content/getholdings-com/electronic-disclosures/index.html): Electronic disclosure and consent agreement for receiving Holdings communications and account documents digitally. Review the full terms. (400 words)
- [Nonprofit Accounting & Invoicing Software | Holdings](/content/getholdings-com/solutions/nonprofits/index.html): Nonprofit accounting with Statement of Activities, fund sub-accounts, and a free verified 501(c)(3) profile — with connected zero-fee banking included. Accounting from $25/mo. (1,775 words)
- [Software your AI can safely run. | Holdings](/content/getholdings-com/agents/index.html): Financial software your AI can safely run. Claude, ChatGPT, and Cursor can draft invoices, send them, chase payments, and mark them paid in your books — with your approval on every send. Six safeguards on by default: immutable history, scoped keys, full audit trail, no unsupervised money movement. Business banking via i3 Bank (Member FDIC) underneath. Free. (1,300 words)
- [Cookie Policy | Holdings](/content/getholdings-com/cookies/index.html): How Holdings uses cookies for analytics and essential site functionality. Manage your preferences and learn about the data we collect. (351 words)
- [NAICS Code Lookup — 20 Sectors | Holdings](/content/getholdings-com/naics-codes/index.html): Find your NAICS code for business registration, SBA loans, and government contracts. 20 sectors and 40+ common industry codes. (427 words)
- [Online Donation Pages for Nonprofits & Churches | Holdings](/content/getholdings-com/giving/index.html): Create branded donation pages with unique links and QR codes in minutes. Every gift lands in a built-in donor database automatically. Free with Holdings — 2.5% + $0.30 nonprofit rate. (1,091 words)
- [Invoicing — Let any AI send your invoices. Handled. | Holdings](/content/getholdings-com/invoicing/index.html): Direct Claude, ChatGPT, or Cursor via MCP to draft, send, chase, and reconcile invoices — you approve every send. Or use the web app. No monthly fee; accounting from $25/mo. (998 words)
- [Connect Your AI — 60-second Setup | Holdings MCP](/content/getholdings-com/mcp/index.html): Connect Claude, ChatGPT, Cursor, Zed, or Windsurf to Holdings via MCP. Sign up (free), generate a key, paste the config. First invoice in 60 seconds. (784 words)
- [Banking — Connected to your books. | Holdings](/content/getholdings-com/banking/index.html): Holdings banking sits underneath the invoicing and accounting layer — bank transactions post to your books the moment they clear. Free with any Holdings account, 1.75% APY, FDIC coverage up to $3M via i3 Bank + program banks. (820 words)
- [Professional Services Accounting — From $25/mo | Holdings](/content/getholdings-com/solutions/professional-services/index.html): Bill by the hour. Know your margins. Keep your books clean. Invoicing, time tracking, P&L, receipt scanning. Free banking. From $25/mo. (717 words)
- [Relay vs Holdings | Agentic invoicing, MCP-native](/content/getholdings-com/compare/relay/index.html): Compare Relay and Holdings. Relay is a business bank. Holdings is agentic invoicing — your AI drafts invoices, chases payments, and keeps books current. Works with any bank. Free for invoicing; $25/mo for full accounting. (669 words)
- [Mercury vs Holdings | Agentic invoicing, MCP-native](/content/getholdings-com/compare/mercury/index.html): Compare Mercury and Holdings. Mercury is a business bank. Holdings is agentic invoicing — your AI drafts invoices, chases payments, and keeps books current. Works with any bank. Free for invoicing; $25/mo for full accounting. (686 words)
- [Chase Business vs Holdings | Agentic invoicing, MCP-native](/content/getholdings-com/compare/chase/index.html): Compare Chase Business and Holdings. Chase is a bank. Holdings is agentic invoicing — your AI drafts invoices, chases payments, and keeps books current. Works with any bank. Free for invoicing; $25/mo for full accounting. (638 words)
- [getholdings-com/solutions/contractors/index.html](/content/getholdings-com/solutions/contractors/index.html) (332 words)
- [QuickBooks vs Holdings | Agentic invoicing, MCP-native](/content/getholdings-com/compare/quickbooks/index.html): Compare QuickBooks and Holdings. Holdings is agentic invoicing + accounting — you direct an AI to draft invoices, chase payments, and keep the books current. Free for invoicing; $25/mo for full accounting. (600 words)
- [Bluevine vs Holdings | Agentic invoicing, MCP-native](/content/getholdings-com/compare/bluevine/index.html): Compare Bluevine and Holdings. Bluevine is a business bank. Holdings is agentic invoicing — your AI drafts invoices, chases payments, and keeps books current. Works with any bank. Free for invoicing; $25/mo for full accounting. (645 words)
- [getholdings-com/solutions/freelancers/index.html](/content/getholdings-com/solutions/freelancers/index.html) (483 words)
- [Referral Program Terms | Holdings](/content/getholdings-com/referral-terms/index.html): Earn $50-$200 per referral. Terms for the Holdings referral program including eligibility and bonus tiers. (420 words)
- [Pricing — One product. One add-on. | Holdings](/content/getholdings-com/pricing/index.html): No monthly fee for invoicing, quotes, and payment links. $25/mo when you want full accounting — 30-day trial, no credit card up front. 48+ free tools included. (486 words)
- [Calm Finance — The Holdings Newsletter](/content/getholdings-com/newsletter/index.html): Calm Finance is the Holdings newsletter for business owners who prefer their financial advice thoughtful, practical, and free of jargon. Every other week. (356 words)
- [getholdings-com/solutions/ecommerce/index.html](/content/getholdings-com/solutions/ecommerce/index.html) (286 words)
- [Resources | Holdings](/content/getholdings-com/resources/blog/index.html): Money guides and tools for nonprofits and professional-service firms. Practical playbooks, templates, and expert insights on banking and accounting. (10,006 words)
- [AI Tools for Small Business (2026 Roundup) | Holdings](/content/getholdings-com/resources/blog/ai-tools-for-small-business/index.html): The definitive 2026 roundup of AI tools for small business — bookkeeping, invoicing, marketing, hiring, and support, organized by what you actually need. (1,311 words, Jul 1, 2026)
- [Profit First for Small Business: Account-Structure Playbook](/content/getholdings-com/resources/blog/profit-first-small-business-playbook/index.html): How to set up Profit First bank accounts for your small business — the exact allocation percentages, account structure, and a diagram you can copy today. (1,127 words, Jul 1, 2026)
- [Three things you actually need. | Calm Finance](/content/getholdings-com/newsletter/three-things-you-actually-need/index.html): We made a product catalog. Everything is free. None of it exists. All of it is essential. (754 words, Mar 6, 2026)
- [The year your bookkeeper disappeared. | Calm Finance](/content/getholdings-com/newsletter/the-year-your-bookkeeper-disappeared/index.html): A fond farewell to the practices that bankrupted your Saturday mornings. Survived by better alternatives. (816 words, Feb 20, 2026)

## About Pages

- [About Holdings — AI isn't a feature. AI is the medium.](/content/getholdings-com/about/index.html): Holdings is one connected account for banking, invoicing, and books — built so your AI can run it. Business banking via i3 Bank (Member FDIC) with deposit coverage to $3M. Free invoicing. Optional accounting from $25/mo. Founded 2022. (1,292 words)

## Resources

- [Full Page Index](/index.html): Browse all cached pages with rich metadata
- [About This Cache](/about.html): Methodology, technical details, and usage guidelines
- [XML Sitemap](/sitemap.xml): Machine-readable sitemap for crawler discovery
- [Robots.txt](/robots.txt): Crawler directives