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Built for the business of building

Banking built for general contractors

Found streamlines banking, bookkeeping, and tax tracking, so you can focus on your projects. Manage crew expenses, track supply costs, and issue team cards for job-site purchases.

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A contractor in a hard hat holds a spirit level against a wall while a colleague steadies it. Beside the photo, a pale blue Found Mastercard debit card is issued to Ironclad Building Group, Marcus Dellworth, and the Found app shows a $209,722.53 total balance split into Primary, Taxes, Materials and Equipment pockets, above an assistant prompt reading “How can I help?”

The Found Mastercard Business debit card is issued by Lead Bank pursuant to a license from Mastercard Inc. and may be used everywhere Mastercard debit cards are accepted.

Pay contractors and prepare for taxes

PAYMENTS

A “Pay a contractor” screen sending $175 to Adrian Tamayo from an available balance of $118,529.19, beside a photo of a technician in blue overalls kneeling to work on a radiator, an open toolbox on the floor beside him

  • Send 1099 payments via email, text, direct deposit, wires, and checks.

  • Schedule payments or save as draft, so they’re ready to go when you are.

  • Sending repeat payments? Simply duplicate the previous one.

TAXES

Three people in hard hats studying a blueprint together, beside a “1099 payment sent” card prompting the user to collect W-9 information from Ash Parker before paying them over $600 in a year

  • Request a contractor’s W-9 anytime or require it before they can accept payment.

  • We’ll track payments and generate 1099 NECs for contractors you’ve paid $2,000 or more.

  • Download and file 1099-NECs at the end of the year. You can even send 1099s from previous years directly to a contractor.

Learn more about how our payments give you more flexibility and control

Business banking—and so much more.

Found is banking with benefits. Business checking plus smart, simple financial tools that help you save time and money.

  • Found debit Mastercard®

    Use your card online, in-store, and in your digital wallet.

  • No required hidden fees⁴

    No monthly maintenance fees⁴. No minimum balance or credit check.

  • Get paid faster

    Pay day comes up to 2 days⁶ earlier with direct deposit into your account.

  • Safe and secure

    Data encryption, secure infrastructure, and fraud monitoring keep your money and data safe.

  • Keep everything in one place

    Stay organized with banking, expense tracking, mileage tracking, and taxes all in one app.

  • Expense tracking done for you

    Found tracks expenses automatically, simplifying bookkeeping.

  • Easily track mileage

    Keep tabs on your driving, log trips, and calculate deductions right from the Found app.

  • Capture and save receipts

    Never lose track of another receipt with receipt capture and notes built right into the app.

  • Auto-save for taxes

    We'll set aside a tax estimate each time you get paid, so you're ready on tax day.

  • Stay ahead of taxes

    See your tax estimate update in real time as you earn income and track expenses.

  • Find write-offs and save

    Found automatically tracks expenses and finds write-offs, helping you deduct as much as possible.

  • Simplify tax time

    Get an auto-generated Schedule C form and pay quarterly taxes, right in your Found app.¹⁰

Team cards with powerful spend controls

  • A "Create card for" menu listing team members, with an option to add another person, in the Found app

    Issue cards to your team members

    Empower team members to make business purchases—without using their own money or waiting for reimbursements.

  • Each team member's card spending shown against its limit, with the balance remaining on each

    Set spending limits and controls

    Stay within your budget by setting spending limits for each card. Lock and unlock cards remotely for extra security or control.

  • A real-time alert for a purchase made on a team card, with the tax saved on it

    Track team spending in real time

    View all activity for a detailed look at who purchased what—and when. Get notified whenever card purchases are made.

FOUND PRO

Get premium rewards on your purchases³

Earn 1% cash back¹⁷ on your team's spending made on Found debit cards—plus get 2.50% APY, on all balances, no cap.¹⁴

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¹⁴Found Plus subscribers (for $35/month or $315/year) earn 1.50% Annual Percentage Yield (APY) on balances up to $20,000. Found Pro subscribers (for $80/month or $720/year) earn 2.50% APY on all balances, with no cap. APY is variable and subject to change.

Frequently Asked Questions

How can I pay contractors through Found?

Send payments to your contractors from the Found app or on desktop. Contractors can choose from a range of deposit options, including ACH, instant debit card transfers, and popular payment apps like Venmo, PayPal, and Cash App.

Will Found help me collect and track W-9 forms?

Yes. Found can prompt contractors to fill out their W-9 when they accept a payment from you, ensuring they provide the information before getting paid. This streamlines the onboarding process and integrates it with something contractors are already expecting.

How much does it cost to use Found's contractor management tools?

Unlike other contractor management software, Found has no required monthly or per-contractor fees.

What is a W-9 form, and why do I need it when paying a contractor?

The W-9 is an IRS form commonly used by self-employed people. It enables businesses to collect tax information from anyone they pay who isn't an employee, such as independent contractors. Businesses are required to report to the IRS how much they paid each contractor, and to do so, they need the information provided on the W-9.

How does Found help me generate, share, and file 1099-NECs?

At the end of the tax year, Found will create your 1099-NEC forms based on all tracked payments over $2,000. You can then easily share a copy with your contractors and e-file these forms via the Found app, for free.

How can my contractors benefit from having a Found account?

If your contractor creates a Found business checking account, you can send payments from your Found account instantly to their Found account for free. They can easily share their W-9 with you and take advantage of powerful bookkeeping features, like auto-saving for taxes.

See why over 700K business owners have chosen Found

  • Just makes sense.

    Having banking, invoicing, and bookkeeping all in one app just makes sense.

    Jim S.

  • No reason to compare.

    Once I came across Found, there was no reason to compare.

    Eric T.

  • It’s a perfect fit for single member LLCs and sole proprietors. That’s why I like it for all of the people I work with.”

    Loyd W.

    Business Consultant

  • Real-time information.

    I can’t justify an accountant, and a lot of businesses my size can’t. Being able to get real-time information on how much I owed in taxes, I love that.

    Sade T.

  • Very easy

    It was very easy. We just put in all the relevant information and had an account opened up so quickly.

    Warren W.

    Specialty Steel

  • Exactly what I needed.

    I knew that Found was exactly what I needed. Making sure I have my taxes straight is really important. Found takes care of all of that for me.

    John W.

    BUSINESS OWNER

Security

  • Data encryption and secure infrastructure

  • Two-factor authentication (2FA)

  • Comprehensive fraud monitoring