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NerdWallet and Found

BANKING FOR SMALL BUSINESSES

Your small business financial hub

Found has partnered with NerdWallet to provide an all-in-one financial platform for your business:

  • Business checking
  • Built-in bookkeeping
  • Contractor payments
  • Powerful tax tools
  • Integrated invoicing
  • Team cards
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A stack of banknotes behind a dollar coin, on a pale arch

SPECIAL OFFER

Earn 2.00% APY on balances up to $20K*

*Customers who have signed up for an account after November 1, 2025 will earn a bonus equal to 2.00% Annual Percentage Yield (APY) on the portion of their account balance up to $20,000 for a given month only if they spend $5,000 in qualifying debit card transactions during the month and satisfy other eligibility requirements as described in the Card Spend Bonus Terms. No bonus will be earned on the portion of account balances over $20,000.

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FOUND ACCORDING TO NERDWALLET:

“Useful Tools for Self-Employed Workers”

4.5

NerdWallet rating

  • A tax estimate for the quarter ending 03/31/2026 — $2,870.59 due, broken into federal and state tax over business income and deductible expenses

    Simplify self-employment taxes

    Get tax estimates in real-time and automatically set money aside to cover quarterly taxes

  • A $175 contractor payment to Adrian Tamayo in the Found app, with the available balance above it

    Manage and pay contractors

    Collect W-9s and pay contractors from your account. We’ll generate 1099-NECs at the end of the year

  • An invoice from Modern Clay for $3,363.50 shown on a phone with a Pay button, over the full itemised invoice

    Send invoices

    Access unlimited invoicing. Customize, schedule in advance, and send recurring invoices.

The all-in-one platform for managing small business finances

Get started
The Found dashboard on a laptop resting on a green sofa, showing Pockets and recent activity Take a product tour

  • Banking

    • Mastercard® business debit card²
    • Team cards with spend controls
    • Check and cash deposits⁵
    • Wires and check payments⁸
    • Contractor payments
    • Sub-accounts

    Payments and deposits flow directly into your Found account, with the estimated taxes set aside.

  • Taxes

    • Automatic write-offs
    • Tax form generation
    • Tax estimates
    • Tax payments¹⁰
    • 1099 form filing
    • Mileage tracking

    Found handles the math and flags deductions, so you’re ready for tax time.

  • Bookkeeping

    • Expense and income tracking
    • Custom rules¹³ and tags
    • Receipt scanning
    • Invoicing
    • Import external transactions
    • Financial reports

    Expenses and receipts are automatically tracked, organized, and categorized for you.

  • Contractor management

    • Unlimited payments
    • No per-contractor fees
    • Flexible payment methods
    • Collect W-9s
    • Free 1099-NEC generation
    • Free 1099-NEC filing

    Send unlimited payments with no per-contractor fees and flexible payment options.

²The 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.

Over 750K small business owners have chosen Found

SEE WHY

  • 4.8 App Store

    over 29K ratings

  • 4.7 Google Play

    over 17K reviews

  • 4.5 TrustPilot

    over 1K reviews

  • “What used to take hours now takes me 45 minutes. I've kind of mastered it, so it's very quick. I can even do it from my phone.”

    Review by Carolina C.

    TAILS N TRAILS

  • “It has been so helpful with keeping track of all the aspects of my business and it feels nice to have everything in one place. I would give Found a 10 out of 10.”

    Review by Dominique J.

    INFINITE GROWTH COUNSELING & COACHING, LLC

  • “I love how it takes taxes out immediately so I don't have to think about it. I'm a social worker, not a business major. So it takes all the guess work out of it.”

    Review by Heather K.

    LICENSED CLINICAL SOCIAL WORKER | HEADWAY

Frequently Asked Questions

Who is Found for?

Found is designed specifically to help small business owners with their finances.

Our customers come from a variety of sectors—from professional and physical services to e-commerce and beyond—and operate under a variety of business types, including sole proprietorships, single and multi-member LLCs, S-Corps, and C-Corps. Whether you are just starting out or an established business, Found can help you streamline your banking and bookkeeping through a single platform.

Learn more here to see if Found could be a good fit for your business.

Can I manage multiple businesses on Found?

Yes, you can manage multiple businesses under a single Found account, whether they're registered businesses, partnerships, or sole proprietorships. Learn how to add and switch between businesses in your account.

Are my deposits FDIC-insured?

Funds are FDIC-insured up to $250,000 per deposit for each account ownership category through Lead Bank. Found partners with Lead Bank, Member FDIC, to provide business banking services. FDIC insurance only covers the failure of an FDIC-insured depository institution.¹

Does Found offer any rewards?

Yes! Found offers competitive APY and cash back so you can put your money to work.

Found Plus subscribers (for $35/month or $315/year) can earn 1.50% APY on balances up to $20k, making this the plan with the best value. Found Pro subscribers (for $80/month or $720/year) can earn 2.50% APY on all balances and 1% cash back¹⁷ on qualifying card spend, making this the best plan for overall rewards.

Learn more about which plan could be a fit for you here.

How does Found automatically categorize expenses?

When you make a purchase with your Found card, the app will automatically suggest a category for your expense based on the merchant. For example, restaurants and coffee shops will often be automatically categorized as Business Meals, and you can edit the category any time.

Can I use the Found app to pay my taxes?

Found Plus and Pro subscribers who file a Schedule C can make in-app quarterly federal tax payments⁴. A few weeks before payments are due, Found customers will see an option in their Found account to make a tax payment. Learn more about how to pay your taxes with Found here.

I currently use another accounting tool. Do Found’s bookkeeping tools work with other platforms?

Yes! Found connects seamlessly with a range of accounting, banking, and business tools. Quickly integrate with QuickBooks, Stripe, Cash App, PayPal, Square, Lyft, Uber, Venmo, eBay, and more.

You may be able to get rid of your other accounting tool altogether since Found combines banking and bookkeeping in one app. With our unified solution, you will no longer need to import or sync between banking and bookkeeping apps. Learn how to switch to Found from QuickBooks.

How much does it cost to send invoices through Found?

It doesn't cost anything to send unlimited invoices through Found! All of Found's tools for creating, sending, and tracking invoices are all free as part of Found's core plan. Learn more.

How much does it cost to use Found contractor management?

Unlike other contractor management software, Found’s contractor tools have no monthly or per-contractor fees. You can pay contractors, request W-9 forms, generate, share, and e-file 1099-NEC forms—all part of Found’s standard plan. Learn more.

Security

  • Data encryption and secure infrastructure

  • Two-factor authentication (2FA)

  • Comprehensive fraud monitoring