Retail
Intelligent banking & business funding for retail shops.
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Grow & Scale Your Business with Toolbox
Intelligent banking, automated bookkeeping & business funding for retail shops.
In the fast-paced and dynamic world of retail, every transaction, every customer interaction, and every shelf stocked makes a difference. Welcome to Toolbox – the financial companion crafted with the unique diversity of the retail industry in mind. From managing daily cash flows to navigating the peaks and valleys of seasonal sales, Toolbox is your one-stop solution, offering a personalized suite of financial tools to keep your business thriving in the ever-evolving retail landscape.
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.
"In retail, every detail counts, and financial clarity is the thread that weaves through the success of small and medium-sized businesses. Toolbox is designed to be that thread, a financial partner that understands the financial needs of the retail industry and is committed to empowering businesses with tools to navigate that complexity with ease. Our platform offers not just financial services, but a vision – a vision where every SMB in retail can have the confidence to make bold choices, build customer relationships, and drive their own narrative of 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.
