Construction
Intelligent banking, business funding, & financial tools for architects, builders, GCs, engineers, and repair & maintenance companies.
Grow & Scale Your Business with Toolbox
Business Banking & Project Funding for the Construction Industry
Step into a world where financial stability and business growth are constructed with the same precision and dedication as your projects. Welcome to Toolbox – your partner in building a strong financial foundation for your company. In a sector marked by fluctuating costs, project-based revenues, and stringent regulations, Toolbox offers a tailored suite of financial tools designed to build resilience and foster progress. We understand the beams and bolts of your industry, providing solutions that manage risks, optimize cash flow, and elevate your financial structure to new heights.
Why Toolbox?
Because Every Business Deserves World-Class Financial Tools.
Intelligent Business Banking
Get a 360 view of your business' financial position and understand how to optimize your financial resources for success. Plus enjoy 100% free business banking with free wire transfers, no account minimums, 1% yield, and an additional 1.3% rewards on debit spend.
Integrated Access to Business Credit
Toolbox provides businesses with a net-30 corporate charge card based on their financial health—allowing for additional spend of up to $6M/year. Our lender marketplace also serves as a single access point to hundreds of options for business capital.
Save Hours with Automated Bookkeeping
Toolbox streamlines the bookkeeping process, providing automation features that capture details in receipts, allow for easy categorization of transactions, and offer seamless integration with popular accounting software platforms.
Control
Save Money with Spend Controls
Create custom corporate cards to cover any business expense.
Set the spending limit and assign cards to employees, teams, projects, or expense categories.
Plus, reduce fraud with custom virtual cards for specific expenses or vendors.
Protection
Sleep Peacefully with Bank-Level Security
256-Bit Encryption: All your data is secured using industry-leading encryption, ensuring it remains confidential and safe from breaches.
Multi-Factor Authentication: Additional layers of security require multiple methods of verification to ensure only authorized users access the account.
FDIC Insured: Your deposits with Toolbox are insured up to $250,000 by the Federal Deposit Insurance Corporation.
"The construction industry lays the groundwork for progress and innovation, yet faces unique financial challenges along the way. With Toolbox, we are committed to engineering solutions that build financial bridges, turning obstacles into opportunities for growth. We provide a financial foundation that caters to the nuances of project management, cost control, and compliance, enabling businesses to construct a future marked by stability and success."
Where businesses find their momentum.
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How We Work
Toolbox is not a bank and does not hold any customer funds.
We partner with Thread Bank, member FDIC, where customer funds are held. Our revenue model partly mirrors that of banks as well as software companies: we share in the yield on deposits held at our partner banks, as well as the network and banking fees paid by merchants on card transactions, and we receive a portion of the fees paid by lenders on our marketplace. In turn, we reward our customers and invest in enhancing our platform.
A Team Dedicated to Your Business
Our unique skillset helps us build the best possible financial platform for small & growing businesses.
Our teams' combined experience is from leading organizations, including powerhouses like Goldman Sachs, Pie Insurance, Harvard Business School, and OneTrust.
