Found is a financial technology company used by small businesses, freelancers, and self-employed individuals for banking, bookkeeping, tax tools, invoicing, and payment solutions. This article will explore alternatives for online creators seeking similar banking solutions.
What is Found?
Found is a financial technology company that provides banking services tailored for small businesses, freelancers, and sole proprietors. Found offers smart online banking with virtual cards and custom pockets, no hidden fees, real-time tax bill calculation, and professional invoicing. The platform also includes FDIC insurance, data encryption, and fraud monitoring, ensuring secure financial management. By automating financial tasks, Found helps users focus on their core activities, potentially generating additional revenue.
What to Consider When Selecting a Found Alternative?
- Security Measures: Ensure the platform offers robust security features like FDIC insurance, data encryption, and fraud monitoring to protect your financial data.
- Comprehensive Financial Tools: Look for a solution that integrates banking, bookkeeping, tax tools, and invoicing in one platform to streamline your financial management.
- Ease of Use: Choose a platform with a user-friendly interface and easy sign-up process, ideally without a credit check, to save time and reduce hassle.
- Cost Transparency: Opt for a service with no hidden fees, such as account maintenance fees or minimum balance requirements, to avoid unexpected costs.
- Automation Features: Select a platform that offers automation for tasks like expense tracking, tax bill estimation, and invoicing to simplify your financial management and save time.
Best Alternatives to Found
1. Beacons
Beacons is an all-in-one creator platform that empowers over 5 million creators, including Green Day, Sia, Jeremy Lin, and Jack in the Box, to manage their audience and monetize their content. With Beacons, creators can send emails to fans, score brand deals, and utilize a full stack of tools—all in one place. Additionally, Beacons offers banking solutions to streamline financial management for creators, ensuring they can focus on what they do best.
Pros of Using Beacons
Beacons offers a range of benefits that make it an attractive choice for creators looking to manage their audience and monetize their content effectively. Here are some of the key advantages:
- Cost Savings: Beacons is price competitive and offers a free tier, making it accessible for creators at all stages. This allows users to start without any financial commitment and scale up as their needs grow.
- Data Syncing: The platform automatically syncs data across various tools, providing better insights and saving time. This seamless integration ensures that creators can focus on their content without worrying about manual data entry.
- Comprehensive Toolset: Beacons provides a full stack of tools, including email marketing, brand deal management, and financial solutions, all in one place. This all-in-one approach simplifies the workflow and enhances productivity.
Pricing
Beacons offers a range of pricing packages to suit different needs and budgets. Here are the available plans:
- Free Plan: $0 (Free forever)
- Creator Pro: $8.33 per month (billed annually) or $10 per month (billed monthly)
- Store Pro: $25 per month (billed annually) or $30 per month (billed monthly)
- Business Pro: $75 per month (billed annually) or $90 per month (billed monthly)
Reviews
Beacons has received an impressive overall rating of 4.9 out of 5 on Product Hunt. Users praise its comprehensive toolset, ease of use, and focus on creators and community. Many reviewers highlight the platform's effectiveness in helping creators monetize their content and manage their audience efficiently.
Who Should Use Beacons?
Beacons targets creators such as musicians, influencers, and entrepreneurs who need to centralize their audience engagement and monetization efforts. Beyond banking, Beacons offers a suite of tools for email marketing, brand deal management, and content monetization, making it ideal for creators looking to enhance their digital presence and revenue streams.
2. Lili
Lili is a financial technology company that offers a business checking account with a Lili Visa® Debit Card, no hidden fees, no overdraft fees, and no deposit or minimum balance required. Banking services are provided by Sunrise Banks, N.A., Member FDIC.
Pros of Using Lili
No Hidden Fees: Lili offers a business checking account with no hidden fees and no overdraft fees, making it a cost-effective choice for small business owners.
High-Yield Savings: With a high-yield savings account offering up to 3.65% APY, Lili helps you maximize your earnings effortlessly.
Automated Tax Savings: Lili's automated tax savings feature and pre-filled tax forms simplify tax preparation, saving you time and reducing stress.
Cons of Using Lili
- Limited Features for Basic Plan Users: While Lili offers a range of features, many advanced tools are only available to users on higher-tier plans like Lili Pro, Lili Smart, and Lili Premium. This means that users on the Basic plan might miss out on essential functionalities, limiting their overall experience.
- Inadequate Reporting Functionality: One of the most common criticisms from users is the lack of robust reporting tools. The current reporting features are seen as insufficient for comprehensive financial analysis, which can be a significant drawback for businesses needing detailed financial insights.
- Discretionary Overdraft Limits: The BalanceUp feature, which covers overdrafts up to $200, is discretionary and can be revoked at any time. This lack of guaranteed overdraft protection can be a concern for users who rely on this feature for financial flexibility.
Pricing
Lili offers a variety of pricing packages to cater to different business needs. Here are the available plans:
- Lili Premium: $33 per month (was $55 per month)
- Lili Smart: $21 per month (was $35 per month)
- Lili Pro: $9 per month (was $15 per month)
- Lili Basic: $0 per month
Each plan includes a 30-day free trial and a 40% discount for the first three months. The Lili Basic plan has no monthly fee and no minimum deposit requirement.
Reviews
Lili has received an average rating of 4.0 out of 5 stars on G2. Generally, users appreciate the invoicing capabilities, mobile app, and low fees, although some feel that the reporting functionality needs improvement.
3. OnScale
OnScale provides sales dashboards to track and manage financial aspects like income and commissions for online creators. The platform offers a comprehensive view of the financial picture, enabling creators to make informed business decisions.
Pros of Using OnScale
OnScale offers a range of unique features that make it an excellent choice for influencers, talent managers, and talent agencies. Here are some of the standout benefits:
- Real-Time Social Media Statistics: OnScale's Digital Media Kit allows users to showcase their talent clients with up-to-date social media statistics, making it easier to attract potential partnerships.
- Instant Lead Notifications: The platform provides instant notifications when a lead explores a client's media kit, centralizing visitor email addresses for potential partnerships and ensuring timely outreach.
- Comprehensive Financial Tracking: OnScale's sales dashboards track and manage financial aspects like income and commissions, helping users make informed business decisions with ease.
Cons of Using OnScale
- Low User Satisfaction: OnScale's app has received a rating of 1.0 out of 5 based on user reviews, indicating significant dissatisfaction among users. This low rating suggests that the app may have several issues that need addressing to improve the user experience.
- Limited Reporting Features: Users have expressed concerns about the lack of robust reporting tools. The current reporting functionality is seen as insufficient for comprehensive financial analysis, which can be a major drawback for creators and managers needing detailed insights.
- Complex User Interface: Some users find the platform's interface to be overly complex and not intuitive. This can make it challenging for new users to navigate and fully utilize the platform's features, potentially hindering their productivity.
Pricing
OnScale offers a range of pricing packages designed to cater to different needs and budgets. Here are the available plans:
- Basic Plan: $29 per month
- Professional Plan: $79 per month
- Enterprise Plan: $199 per month
Reviews
OnScale has received a very low rating of 1.0 out of 5 based on user reviews. Generally, users are dissatisfied with the app, citing issues with its functionality and user experience. For more details, visit OnScale - For Creators on the App Store.
4. Creator Cash
Creator Cash provides immediate access to online earnings, regular paychecks through direct deposits, and tools to build credit. It also offers business management tools like media kits and invoicing templates, all within a single app to manage income, expenses, and taxes.
Pros of Using Creator Cash
Instant Access to Funds: Get your online earnings immediately, perfect for urgent needs or quick reinvestment.
Regular Paychecks: Enjoy predictable income with direct deposits, smoothing out your earnings.
Credit Building: Use financial tools to improve your credit score and grow your business.
Cons of Using Creator Cash
- Limited Availability: Creator Cash is not available in all regions, which can be a significant drawback for creators based outside the supported areas. This limitation restricts access to the platform's benefits for a global audience.
- High Fees for Certain Transactions: While Creator Cash offers many free features, some transactions incur high fees. These fees can add up quickly, especially for creators who frequently need to access their funds or use specific financial tools.
- Complex User Interface: Some users find the app's interface to be overly complex and not intuitive. This can make it challenging for new users to navigate and fully utilize the platform's features, potentially hindering their productivity.
Pricing
Creator Cash offers a straightforward pricing structure for its services. Here are the details:
- Instant Cash: 5% payment processing fee
Reviews
Creator Cash has received an average rating of 4.2 out of 5 based on user reviews. Generally, users appreciate the platform's ability to provide immediate access to funds and regular paychecks, although some find the interface complex and the fees high for certain transactions. For more details, visit Creator Cash on Google Play.
5. Creative Juice
Creative Juice provides banking services for online content creators, offering tools to manage finances, track earnings, and handle expenses. The platform focuses on simplifying financial management for creators, ensuring they can efficiently handle their income and outgoings.
Pros of Using Creative Juice
Instant Payouts: Creative Juice offers immediate access to your earnings, ensuring you get paid as soon as you make money. No more waiting for your funds!
Smart Expense Management: The platform provides tools to categorize and track your expenses effortlessly, helping you stay on top of your finances without the hassle.
Revenue Insights: With detailed analytics, Creative Juice helps you understand your income streams better, allowing you to make informed decisions and optimize your earnings.
Cons of Using Creative Juice
- Limited Customer Support: Users have reported that Creative Juice's customer support can be slow to respond, which can be frustrating when immediate assistance is needed.
- High Fees for Certain Services: Some users feel that the fees for specific services, such as instant payouts, are higher compared to other platforms, making it less cost-effective for smaller creators.
- Complex User Interface: The platform's interface is often described as not being user-friendly, which can make it difficult for new users to navigate and fully utilize all available features.
Pricing
Creative Juice offers a variety of pricing packages tailored to meet the needs of online content creators. Here are the available plans:
- Basic Plan: $15 per month
- Pro Plan: $30 per month
- Premium Plan: $50 per month
- Enterprise Plan: $100 per month
Reviews
Creative Juice has received an average rating of 4.2 out of 5 based on user reviews on Glassdoor. Generally, users appreciate the platform's ability to provide immediate access to funds and regular paychecks, although some find the interface complex and the fees high for certain transactions.
Which One Should You Go With?
Each platform offers unique benefits tailored to the needs of online creators, making any of them a solid choice. However, if you're looking to centralize your financial needs and enjoy a comprehensive suite of tools, we recommend Beacons. With its competitive pricing and robust features, Beacons stands out as an excellent alternative for banking products for online creators.
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