Bellhollow closes a $38M Series B led by Harborlight Capital Read the note →
USDC USD
$4,200.00
Off-ramp fee (0.5%)$21.00
Total amount$4,179.00
$184K
% APY
Grow your reserve
without moving it.
ACH Authorizations
Initiate Request

A vendor initiates an ACH transfer request.

ACH Review In progress

The network reviews and validates the details.

Bank Processing
Transactions Today
Larkline, Inc.
Communication APIs
$7,890.00Vantera
Alto Cloud
Cloud computing
$3,299.99Auto
Steadwire Inc.
CRM
$12,499.00Vantera
Multi-entity
Wrenfield Software
Alderpoint Leads
Kelp & Co LLC
Fernway, Inc.
My virtual cards+
Active · Vantera Business
$1,321.00
EXPIRY DATE 03/12
2%
You've received cashback for September.
Cashback Pending+ $320.00
Cashback+ $22.12
Cashback+ $432.49
$125,324
Total balance

We're rebuilding banking
to compoundyour margins

Most banks flatten every company into the same template. Bellhollow ships the controls, limits, and rails your sector actually runs on.

$3,918,204,776

spent on Bellhollow corporate cards by 2,400+ business owners

NORTHRIDGE LABS KNEEWORKS quillbase Ledgerbone

Who we're built for

Creative
Studios

Transaction HistorySee All
Brightmoor Media
26 February
+ $815.60
Steadwire Inc.
24 February
+ $782.00
Corvid Affiliate
24 February
+ $460.75
Interior of a modern MRI scanner room — MART PRODUCTION on Pexels

Clinics

Online Retail

Order #4816
New order received
Order:#4816
Shipping:Standard (3–5 days)
Address:Ashland, Oregon
Order status:Shipped
Total:$85.00
Wide aisle in a spacious distribution warehouse — Engin Akyurt on Pexels

Distributors

A durable financial
foundation

High-yield operating accounts, tiered cashback cards, and working capital that flexes with your season.

Operating & Treasury

Free domestic wires and ACH transfers on Ridge, up to 1.94%3 APY, and millions in FDIC insurance.2

Repayment Progress
Credit approved
$85,000.00
View details →
Credit Auto-Pay
Next payment: April 05
$3,750
Payment progress

Growth Capital

Apply for term loans, revolving credit, and equipment lines through our lending partners.

BellhollowVANTERA
BellhollowVANTERA
BellhollowVANTERA
Slate — $1M+ Brass — $10M+ Onyx — $100M+

Corporate cards with tier-matched rewards

Unlimited cashback, unlimited virtual and physical cards, and spend controls down to the merchant.

Bellhollow Financial is a financial technology company, not a bank or a lender. The Bellhollow Onyx Card is issued by Kestrel N.A., pursuant to a license from Vantera U.S.A. Inc. Banking services provided by Kestrel, N.A. and Ashgrove Bank; Members FDIC. Bellhollow does not issue loans or make credit decisions in connection with loans. All loans are subject to credit approval from Bellhollow's credit partners.

Extended with
modern rails

Stablecoin on and off ramps, a documented API, and multi-entity switching built for holding structures.

You send
5.23789 USDT
Balance: 12.504678 USDT
USDT
Tether
You receive
$5.23611
Balance: $128,504.67
USD
US Dollars

Stablecoin ramp.4 Convert between fiat and stablecoin inside Bellhollow without a separate desk.

Bellhollow API enabled
B

Bellhollow API. Every account ships with read and write access. Your ledger is yours to automate.

Choose Your Account
Wrenfield Software
Alderpoint Leads
Kelp & Co LLC
Fernway, Inc.
Halden Media
W
👋 Welcome back, Marek
Move between the books of every entity you own.

Multi entity. Switch between the books of every entity you own the way you switch workspaces.

Operators, in their own words

…juggling four SaaS platforms with card restrictions, and hours a week managing our…
Portrait — Prince on Pexels
Marek Ostrowski, Founder & CEO at Terra & Twine — Ben Khatry on Pexels
TERRA&TWINEOUTFITTERS
“Bellhollow makes it trivial to spin up a virtual card per campaign, support answers in minutes, and the cashback covers most of our freight. It became our primary operating account in a quarter.”
Marek Ostrowski — Founder & CEO at Terra & Twine
$3.9bn+
in yearly card spend
2.7m+
virtual cards issued
2.4k+
businesses banking
$74m+
returned as cashback

Paired with
practical tools

Finish any banking task in a handful of clicks.

Income
$128,504.67
Owner's Compensation
$34,547.29
Opex
$1,694,238.43
Profit
$21,880.14

Virtual accounts. Create distinct money pools so every dollar has a job.

Total spend
$68,026.43
This week ⌄
Payment methodsCard merchantsContacts

Analytics. Real-time spend and trend lines for each of your accounts.

Sufficient balance.No top-up needed.
Merrow Bank$425,946.04
›››
BBellhollow$1,788.34

Auto transfers. Top up automatically when a balance runs low.

March 1, 2026 INITIATION
Harborpay is trying to pull $25,000 from your Cash Account
Harborpay initiated an ACH transaction

ACH authorizations. Set limits on how much vendors can pull and get alerted on anything unauthorized.

User names ⇅Assigned role ⇅Assigned cards ⇅Card groups ⇅
Rosa NadelAdmin, cardholderOffice suppliesProduct Launch
Emily SandovalCardholder, accountantMarketingR&D Funding
Michael BrownleeAdmin, accountantTravelSales Team
Sophia ReyesAdmin, accountantComms, LinearProduct Launch
Daniel WhitlockAdmin, cardholderDatadog, AWSR&D Funding

Custom user controls. Granular permissions, spending limits, and security settings per person.

Secure by design

Bank confidently with extended FDIC coverage into the hundreds of millions, granular user controls, advanced authentication, and federally regulated partners.

Account holder avatar — Korede Adenola on Pexels $1,000,000
Bellhollow
Bank №1$0
Bank №2$0
Bank №3$0
Bank №4$0
Our partner bank Kestrel N.A., Member FDIC, works with Cascade Sweep Service of Cascade Network LLC — a sweep deposit network — and other deposit partners to spread balances across a network of 780 institutions (list here).
Hardware keys, passkeys, and step-up verification on any movement above the limits you set.
Deposits are held at chartered institutions, never on Bellhollow's balance sheet.
Audited annually by an independent assessor; reports available under NDA from your account team.
Require a second or third signer by amount, counterparty, or entity before funds leave.

Legible pricing with
terms matched to your business

Base
$0 /month

Full-featured banking essentials with no strings attached.

Start for Free
  • Hundreds of millions in FDIC insurance
  • Same-day ACH transfers — $1
  • Domestic wire transfers — $6
  • Outgoing instant rail — $5
  • Unlimited virtual cards
  • International wire transfers — $24
  • Foreign transaction fee (card) — 1% (min $0.40)
  • USDC on/off ramp — volume based
  • USDT on/off ramp — volume based
Ridge
$29 /month

Scale with sector-specific controls and zero-fee movement.

Get Started
  • Hundreds of millions in FDIC insurance
  • Same-day ACH transfers — $0
  • Domestic wire transfers — $0
  • Outgoing instant rail — $0
  • Unlimited virtual cards
  • International wire transfers — $24
  • Foreign transaction fee (card) — 1% (min $0.40)
  • USDC on/off ramp — volume based
  • USDT on/off ramp — volume based
Backed by operators, funds, and regulated banking partners
NRTH Harborlight MERIDIAN
VENTURES
Copperfield Trust
Kettleworks KNL LANTERN CAPITAL

Apply in under nine minutes

Join the 2,400+ businesses already running on Bellhollow.

Frequently asked questions

Don't see the answer you're looking for? Get in touch.

Bellhollow is a banking platform built for businesses that move real volume. We bundle virtual cards, tiered cashback, extended FDIC coverage, and multi-entity controls so operators can run their books without a treasury department.
No monthly ceiling. Rates step up as annualized spend crosses each card tier.
Base has no monthly fee. Ridge is $29 a month and removes per-transfer pricing on domestic rails.
Because the controls match how your sector actually spends — per-campaign cards for studios, per-location limits for clinics, per-SKU reconciliation for retail.
Funds sit at federally chartered partner banks and are swept across a deposit network for extended coverage.

Modern treasury insights

Cash movement, product notes, and operator playbooks.