All-in-One modern banking that helps small businesses manage spend & improve cash flow

all-in-one banking for small businesses.

Simplify your life & save time by consolidating everything into one banking platform

(Think banking, employee cards, bill.com, loans & Quickbooks all in one place)

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Checking account 

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Employee cards

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Budgeting

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Spend management

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Bill Pay

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0% Interest Loans

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You Get

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Free checking accounts

No minimum balance required & no hidden fees

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Budgeting

Prevent overspending by creating & assigning budgets to managers right from your dashboard

zero percent interest loans

0% Interest loans

Use our 0% interest business loans to accelerate your growth (no credit check or personal guarantee required)

spend management

Automated spend management

All your company’s expenses tracked & managed in one place

budget-linked employee debit cards

Budget-Linked employee debit cards

Keep your company out of debt & prevent your employees from overspending

bill pay

Bill Pay

Pay vendors via our free same-day ACH or we can mail them a check on your behalf

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Text-to-Transfer Technology

Our proprietary Text-to-Transfer technology saves time by allowing you to fund your employee cards & budgets via text message

Trusted by

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evolve bank logo
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active capital logo

Our Story

Our two founders are prior business owners and software engineers who used 4 different financial software platforms to manage their business spend and to know where their business stood financially at any given time.
 
They decided to simplify things by creating an All-in-One banking platform that helps business owners manage their spend while allowing them to see how their business is doing financially by auto-categorizing transactions & generating real-time Profit and Loss statements.
 
Also being that our founders come from humble beginnings, instead of spending money on fancy buildings & large executive bonuses, SWIPEDOM passes on the savings to its clients by offering free accounts and 0% interest loans to help small businesses grow.

Your Money & Data is Safe

FDIC insured

Your Money & Data Is Safe

Deposits are insured up to $250,000 through our partner bank Evolve Bank & Trust Member FDIC.

real person support

Real Person Support

Call (800) 899-4054 and talk to a real customer support agent Mon-Fri 9am-5pm EST.

security and privacy

Security & Privacy

We use bank-grade security encryption. Customer privacy is also a top priority & your data is highly secured.  

Superior banking for superior results

FDIC insured
 
Bill Pay
 
Open an account online in under 10 min.

No hidden fees

No minimum balance required for free account

Checking account with budgeting capabilities

Budget-Linked employee debit cards

0% Fixed interest business loans available to every client


Business loans with no credit check or personal guarantee
 
Text-to-Transfer technology

Automatic generation of P&L statements


Designed to keep your business out of bad debt

Free Same-Day ACH transfers

Free incoming wires

 

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Other Banks

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Benefits

banking platform

SAVE ON FEES WITH OUR FREE BUSINESS CHECKING ACCOUNTS

  • No monthly fee

  • No minimum balance required

  • No hidden fees

  • Free same-day ACH

  • FDIC Insured

Create budgets

PREVENT DEPARTMENTS FROM OVERSPENDING BY CREATING SPEND BUDGETS

  • Create & fund department budgets right on your dashboard

  • You can assign budgets to managers for them to manage

  • Add employees to department budgets & issue them cards to control their spend

  • Track department spend in real-time & adjust it as needed

  • We auto-categorize your transactions to save you time

  • Helps close books in hours not days & integrates with Quickbooks

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ELIMINATE EXPENSE REPORTS

  • 85% of employees admit to lying on expense reports.*  Avoid wasteful spending and save your accountant time by issuing employee cards for company expenses.

  • ​Expense reports are often submitted weeks after purchases were made, finance teams are unaware of what has been spent and unable to stop certain purchases before it’s too late.

0% interest business loans

ACCELERATE YOUR GROWTH WITH OUR 0% FIXED INTEREST BUSINESS LOANS

Receive your first $1,000 interest-free loan after you spend $25,000 on your employee cards.  The more you spend the higher your interest-free borrowing power becomes.

  • No credit check or personal guarantee required

  • No more going to a bank & getting turned down for a loan

  • Funds available the next day

  • Improve your cashflow & business credit

  • Repay it back in 4 equal monthly payments

  • The only business loans with credit score protection

text-to-transfer technology

SAVE TIME & PREVENT WASTEFUL SPENDING WITH OUR TEXT-TO-TRANSFER TECHNOLOGY

Employees simply text SWIPEDOM the amount they need & the reason. We then route that text to their manager.  When their manager replies "Yes", we fund the employee's card from that manager's budget in seconds.

Receipt management via text message

STOP CHASING RECEIPTS

Cardholders are sent a text the moment they swipe their card to reply back with a photo of their receipt. We automatically collect & match receipts to transactions for you, saving you valuable time. 

HOW IT WORKS

01

FUND YOUR SWIPEDOM ACCOUNT

Connect your traditional bank account & instantly transfer funds with a click

02

CREATE & FUND YOUR BUDGETS

Assign budget owners to the budgets you've created for them to manage accordingly

03

ISSUE & FUND CARDS IN SECONDS

Cards are issued & funded from budgets you've created, this prevents employees & departments from overspending

04

TRACK SPEND IN REAL-TIME

Overall company and individual budget spend is tracked in real-time for you to view in one place

05

AUTOMATE YOUR ACCOUNTING

Receipt collection, payment categorization, real-time reconciliation are all handled automatically

Why

business owners

love us?

  • Stop employees & departments from overspending by creating & funding budgets, then issuing employee cards directly from those budgets

  • Improve your cash flow with our 0% interest business loans with no late fees, no credit check or personal guarantee required

  • No more sharing cards, issue & fund physical or virtual cards in real-time

  • View spend analytics & prohibit spend by categories if you want

  • Saves hours of work time by eliminating expense reports & processing employee reimbursements

  • Saves time by funding spend requests on-the-go via text message

Why accountants love us?

  • Close books in an hour, not days

  • Instant reconciliation, eliminates the need for expense reports & employee reimbursements

  • Integrates with accounting software

  • Auto-categorizes transactions & identifies wasteful spending

  • No more chasing receipts, we text employees to reply with pictures of receipts & auto-match them to their transactions

  • Tracks spend in real-time

Why managers love us?

  • It empowers them by giving them control of their own budgets

  • Eliminates expense reports

  • Issue Budget-Linked cards & funds to team members in real-time

  • View your budgets & team member's spend in real-time

  • Approve spend requests & fund cards on-the-go via text message

  • Prohibit spend categories

Why Employees love us?

  • 37% experience cash flow problems & 10% have missed a credit card payment waiting for a reimbursement

  • 49% are frustrated by having to pay for business expenses out of their own pocket & waiting for reimbursement

  • Company costs should never affect an employee's personal finances

  • 25% have postponed or cancelled meetings because they couldn't cover the cost themselves

  • No worrying about loosing receipts with automated receipt capturing

  • Eliminates pesky expense reports

 

JOIN OUR WAITLIST FOR EARLY ACCESS

You're on the list! We will email you once we are ready to give you early access.