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Rho is a corporate banking and spend management platform targeting high-growth companies — typically Series A through Series C startups and mid-market businesses — with a unified platform for business banking, corporate cards, treasury management, and accounts payable. Unlike consumer-grade neobanks, Rho's focus on higher-AUM businesses shapes its feature set: high-yield savings powered by US Treasury instruments, multi-user controls with role-based permissions, BILL and NetSuite integrations for AP workflow, and multi-entity banking support for companies managing subsidiaries or international operations. The free business banking tier provides ACH, wire, international wire, and mobile deposit with no transaction fees. Corporate cards are issued on Mastercard with configurable spending limits and real-time transaction visibility. Treasury management sweeps idle cash into competitive short-duration instruments. The AP automation module handles bill capture, approval routing, and payment execution within the banking platform. Team management allows CFOs to grant controllers, bookkeepers, and accounts payable staff appropriate platform access without sharing owner credentials. The Rho mobile app provides on-the-go approval capabilities for time-sensitive payment authorizations. Integrations with QuickBooks, NetSuite, and Xero synchronize banking data to accounting systems. For finance teams at growth-stage companies who want banking, card management, and AP in one platform without paying Brex Premium pricing, Rho's free model funded by interchange and treasury spread offers a compelling combination.

Lili is a banking app for self-employed workers and small businesses that integrates financial management and tax tools directly into the banking experience. The free tier provides a Visa debit card, ACH transfers, and basic expense tagging. Lili's Tax Optimizer automatically sets aside a percentage of incoming deposits into a tax bucket, calculating the recommended set-aside rate based on business income and filing status — addressing the most common financial mistake of self-employed workers who don't reserve funds for quarterly tax payments. The expense management feature categorizes business expenses against tax-deductible categories and generates a year-end expense report that simplifies Schedule C preparation. Lili Pro adds higher APY savings, unlimited invoicing with payment links, unlimited expense categorization, and priority support. Lili Smart includes all Pro features plus an accounting integration with QuickBooks, advanced analytics, and a business checkbook. The invoicing tool allows freelancers to create and send professional invoices directly from the app without a separate tool. Business savings accounts within the Lili platform enable goal-based savings for tax reserves, equipment purchases, and emergency funds. FDIC insurance through Choice Financial Group covers all deposits. Lili's combination of zero-fee basic banking, automatic tax set-aside, and integrated invoicing creates a self-sufficient financial management suite for solopreneurs and micro-businesses who want to consolidate banking and basic bookkeeping in one mobile app.

NorthOne is a business banking platform for small and medium businesses, priced at a flat $10/month with no per-transaction fees or minimum balance requirements. The platform's Envelopes feature allows businesses to create unlimited sub-accounts for organizing funds — segregating tax obligations, payroll reserves, project budgets, and operating expenses into distinct virtual buckets within the same banking relationship. This budgeting-through-banking approach helps business owners maintain financial discipline without separate budgeting software. The NorthOne debit card is issued on the Mastercard network with mobile wallet compatibility. ACH transfers, wire transfers, and mobile check deposit are all included in the flat monthly fee. NorthOne integrates with major business tools including Shopify, Square, Stripe, PayPal, QuickBooks, FreshBooks, and Gusto — the integration list is notably comprehensive for a banking-focused product, recognizing that small businesses run on interconnected software. The mobile app supports real-time transaction notifications, receipt capture, and basic expense categorization. Business credit cards are not currently offered, limiting NorthOne's appeal for businesses that want to earn rewards on company spending. Customer support is available via chat and email. FDIC insurance is provided through The Bancorp Bank. NorthOne's flat pricing, comprehensive integrations, and Envelopes organizing feature make it a competitive choice for small businesses seeking more sophisticated cash organization than traditional checking provides, particularly those already using the commerce and payment tools that NorthOne connects with natively.