A business operating layer on top of your existing bank accounts and cards. Get cash visibility, instant payments, AP approval workflows, expense management - all in one place. No migration and no new account.
Balances & cards · 3 banks · 1 card
Recent transactions · enriched
Works across the banks and cards you already use
Logging into different bank and card accounts just to track cash and make payments is slow and messy. Every portal looks different, nothing talks to each other, and there's no single view of where the money actually is.
Overlay brings your banking and card activity into one modern operating layer built for SMBs — without asking you to move a dollar.
Most SMBs don't want a new bank — they want a better way to operate. Do more with the banks and cards you already use.
See balances, spend, inflows, and runway across every account and card in real time — without logging into a single portal.
Route invoices, set approval rules, and release funds in real time — including instant global payments — with full control over who can pay what, and when.
Know what's coming in, what's going out, and what you can safely spend — all in one forward-looking layer.
Overlay sits on top of Chase, Bank of America, Wells Fargo, U.S. Bank, Capital One, regional banks, and your credit and debit cards alike. Keep your loans, your treasury relationships, and your rates. Just upgrade the experience around them.
Accountants and bookkeepers shouldn't have to jump between bank and card portals to manage client cash flow and payments. Overlay gives your firm one place to operate across every client's bank accounts and cards.
Switch between clients in a click. Standardize approvals across the book. Close faster — without a single banking migration.
Request a firm previewKnow what you can spend. Control what you pay. Keep your bank.
You don't need a new bank to get a better operating experience. Overlay works for businesses that simply want better payables and cash-flow control.
Businesses that love their current bank and don't want to give up the relationship or the rates.
Businesses with loans or treasury relationships that can't simply be picked up and moved.
Multi-bank businesses using Chase, Bank of America, Wells Fargo, U.S. Bank, Capital One, or regional banks.
Businesses whose accountants don't want to run a banking migration just to get organized.
The smarter way to manage business cash without opening a new account. Join the early access list and we'll reach out when your spot opens.
No commitment. We'll only use your email to follow up about Overlay.