Lili
UnclaimedOnline banking and financial management designed for small businesses and freelancers.
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TL;DR - Lili
- Online banking with integrated bookkeeping, invoicing, and tax tools.
- Offers high-yield savings (up to 4.00% APY) and up to $3M FDIC insurance.
- Provides a free core account with no monthly fees or minimum balances.
Pricing: Free plan available
Best for: Growing teams
What is Lili?
Lili provides a comprehensive financial platform tailored for small businesses, freelancers, and independent contractors. It combines banking services with integrated tools for bookkeeping, invoicing, and tax preparation, aiming to simplify financial management for entrepreneurs. The platform offers features like high-speed payments, business credit options, and a high-yield savings account, all accessible through a single interface.
The service emphasizes ease of use, security, and cost-effectiveness, with a core bank account offering no monthly fees and no minimum balance requirements. It also provides robust security features, real-time transaction alerts, and FDIC insurance up to $3 million through a sweep network. Lili is designed to help small business owners manage their finances efficiently, track spending, and prepare for taxes, allowing them to focus more on their core business activities.
Available on: Web
Pros & Cons
Pros
- No monthly fees for the Core bank account
- No minimum balance requirements
- High APY on savings account
- Comprehensive financial tools (banking, bookkeeping, invoicing, taxes) in one place
- Strong security features and FDIC insurance
Cons
- Specific limitations on free account features are not detailed on the main page
- Business credit and expedited check deposits may have specific eligibility or fees not fully disclosed on the main page
- International wires are mentioned but specific fees or limitations are not detailed
Preview
Key Features
High-speed, high-volume payments (Express ACH, domestic & international wires)Expedited check depositsBusiness credit with flexible termsUp to 4.00% Annual Percentage Yield (APY) on savingsUp to $3 Million FDIC Insurance through a sweep networkSeamless integration with business toolsReal-time controls and monitoring (instant card freeze, alerts, fraud monitoring)Bookkeeping tools
Pricing Plans
Free TrialPricing checked Jul 26, 2026
Lili Core
$0/mo
- Advanced Business Banking
- Business Checking Account with a Visa® Debit Card
- Flexible Payment Options – ACH, Check and Wires
- Business Credit Access
- Savings with up to 4.00% APY
- FDIC Insurance up to $3M
- Integrations to your Existing Business Tools
- 7-Day Customer Support
Lili Pro
$15/mo
- Advanced Business Banking
- Business Checking Account with a Visa® Debit Card
- Flexible Payment Options – ACH, Check and Wires
- Business Credit Access
- Savings with up to 4.00% APY
- FDIC Insurance up to $3M
- Integrations to your Existing Business Tools
- 7-Day Customer Support
- Expense and Tax Management
- Organize your expense transactions into tax categories
- Attach receipts to expenses, add notes
- Easily generate quarterly and annual expense reports
- Tax savings: Automatically allocate funds towards the tax payments
Lili Smart
$35/mo
- Advanced Business Banking
- Business Checking Account with a Visa® Debit Card
- Flexible Payment Options – ACH, Check and Wires
- Business Credit Access
- Savings with up to 4.00% APY
- FDIC Insurance up to $3M
- Integrations to your Existing Business Tools
- 7-Day Customer Support
- Accounting Software
- Income and expenses: Organize your business transactions
- Bookkeeping automation: Predictive transaction categorization powered by Lili AI
- Receipt capture: Add receipts and notes to expenses
- Enhanced reporting: On-demand reports including profit & loss and cash flow statements
- Invoice and payments: Easily create and send unlimited invoices, track invoice status and send reminders, and accept payments instantly
- Bill management: Auto-scan your bills and pay them instantly
- Sync external business bank account and credit card transactions
- Tax Savings Automatically allocate funds towards tax payments
Lili Premium
$55/mo
- Premier Priority Service
- Front-of-the-line support with a dedicated specialist, available 7 days a week.
- Advanced Business Banking
- Business Checking Account with a Visa® Debit Card
- Flexible Payment Options – ACH, Check and Wires
- Business Credit Access
- Savings with up to 4.00% APY
- FDIC Insurance up to $3M
- Integrations to your Existing Business Tools
- 7-Day Customer Support
- Accounting Software
- Income and expenses: Organize your business transactions
- Bookkeeping automation: Predictive transaction categorization powered by Lili AI
- Receipt capture: Add receipts and notes to expenses
- Enhanced reporting: On-demand reports including profit & loss and cash flow statements
- Invoice and payments: Easily create and send unlimited invoices, track invoice status and send reminders, and accept payments instantly
- Bill management: Auto-scan your bills and pay them instantly
- Sync external business bank account and credit card transactions
- Tax Savings Automatically allocate funds towards tax payments
Add-On Credit-building
$30/mo
- Build and monitor your business credit profile automatically, right from your Lili account.
- No extra tools. No credit check. No guesswork.
- 6 key credit scores & ratings
- 24/7 access to your business credit profile
- Real-time alerts, notifications and insights
- Business Build Credit Card
- Credit training and guidance
- Available in every plan.
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Lili FAQ
How does Lili support freelancers with their financial management?
Lili provides a comprehensive financial platform tailored for freelancers, combining banking services with integrated tools for bookkeeping, invoicing, and tax preparation. This allows freelancers to manage their finances efficiently, track spending, and prepare for taxes from a single interface.
Which teams or individuals benefit most from using Lili?
Lili is designed for small businesses, freelancers, and independent contractors who need a simplified approach to financial management. It helps entrepreneurs manage their banking, bookkeeping, invoicing, and tax preparation all in one place.
How does Lili's core bank account compare to a service like Mercury?
Lili's core bank account offers no monthly fees and no minimum balance requirements, which simplifies financial management for small businesses and freelancers. It also includes comprehensive financial tools like bookkeeping and invoicing, which may differ from Mercury's offerings.
What kind of limitations should users be aware of with Lili?
While Lili offers a free core bank account, specific limitations on features for the free account are not detailed. Additionally, eligibility or fees for business credit and expedited check deposits may not be fully disclosed on the main page, and specific fees for international wires are not detailed.
How is Lili priced for its users?
Lili is available on a free tier, offering core banking services without monthly fees or minimum balance requirements. Users can access more advanced features and increased usage through paid plans.
Can Lili help with tax preparation for small businesses?
Yes, Lili includes integrated tools for tax preparation as part of its comprehensive financial platform. This feature helps small business owners and freelancers track spending and prepare for taxes efficiently.
Does Lili offer any features for saving money?
Yes, Lili provides a high-yield savings account as part of its financial platform. This feature allows users to grow their savings while managing their business finances.
Source: lili.co