Built for US Small Business Owners
One vault. Every dollar you own.
CapVault connects all your business and personal accounts into one encrypted dashboard, so you always know your real capital position and what to do next, built for US business owners managing $100K to $5M.
Start your free 14-day trialSee how it works
Serving United States
- Read-only account linking via Plaid API
- 256-bit bank-level encryption
- No transaction fees or AUM charges
- 14-day free trial of Vault Pro
- Built by small business owners who felt this pain first
Fragmented tools aren't a productivity problem. They're a capital risk.
If you're reconciling a business operating account, a Fidelity brokerage, and an SBA loan dashboard every Monday morning, you don't have a workflow problem. You have a blind spot sitting directly between you and every capital decision you make. The average small business owner in the US uses three or more separate financial tools and loses more than six hours a month just to produce a picture that's already out of date. That's not visibility. That's exposure. Every week you fly blind on your real net position is a week a refinancing window could close, a liquidity threshold could be crossed, or a tax categorisation could be missed without you knowing until it costs you.
How CapVault gives you your real capital position
- Connect your accounts in minutes Link your business bank accounts, personal savings, brokerage, loans, and crypto wallets via Plaid's secure read-only API. CapVault supports thousands of US banks and brokerages. You connect once. Nothing moves without your instruction.
- See your unified net capital position in real time Your dashboard consolidates every linked account into a single net capital view, updated continuously. Business cash flow, personal investments, outstanding liabilities and liquid reserves all sit in one place. No spreadsheet. No manual reconciliation. No Monday morning guesswork.
- Get allocation alerts before opportunities close CapVault's capital allocation scoring model monitors your liquidity thresholds and flags when your position qualifies for action, whether that's a refinancing window, a reserve opportunity, or a cash flow risk forming on the horizon. You get an alert. Not a regret.
- Review your monthly CFO-style capital report Every month, CapVault generates a structured capital performance report covering net worth movement, allocation changes, tax-category tagging, and cash flow trends across all your entities. The kind of report that used to require a bookkeeper and two hours of prep.
Why CapVault
Read-only linking. Your money never moves.
CapVault connects to your accounts via Plaid's secure, read-only API. It can see your balances and transactions. It cannot initiate transfers, make payments, or touch a single pound or dollar. Every connection is protected by 256-bit bank-level encryption. If you have ever hesitated to link a financial account to a third-party platform, this is the answer to that hesitation.
Live allocation scoring, not a static snapshot.
Most dashboards show you where your money is. CapVault tells you what your position means. The allocation scoring model, trained on real SMB cash flow patterns, flags when your liquidity crosses a threshold worth acting on, when you are overexposed in a single account, and when conditions are right to deploy idle capital. It is the difference between a rearview mirror and a dashboard that actually drives decisions.
One dashboard for your business and your personal life.
Your business operating account, your personal savings, your Fidelity brokerage, your SBA loan balance. They are all connected to the same financial decisions, even if every other tool treats them as separate worlds. CapVault is built on the premise that for a business owner, the line between business capital and personal capital is not a wall. It is a single picture, and you need to see all of it.
Services
- Vault Pro Quoted per job Unlimited account connections, real-time capital allocation scoring, tax-category tagging, QuickBooks sync, priority support
- Vault Business Quoted per job Multi-entity support (up to 3 business entities), team access with role permissions, CFO-style monthly capital report, dedicated onboarding specialist
- Guided Bridge Quoted per job Full-service advisory package. Includes dedicated funding advisor, document preparation support, lender negotiation coaching, and follow-up on up to 3 matched lenders until close.
- Concierge Capital Quoted per job White-glove service for deals $250K+. Includes financial narrative writing, CFO-level cash flow analysis, lender relationship introductions, and SBA application support.
CapVault versus everything else you have tried
| CapVault | The usual way | |
|---|---|---|
| Built for business owners | Yes. Treats business cash flow and personal capital as one connected picture | Mint and Personal Capital are built for personal budgeting only |
| Business account connections | Full support for operating accounts, SBA loans, payroll accounts, and multi-entity setups | Most personal finance tools cannot link business banking at all |
| Real-time net capital position | Live unified view across every account, updated automatically via Plaid | Spreadsheets require manual entry and are always one reconciliation behind |
| AI-driven allocation alerts | Flags liquidity thresholds and opportunities based on your actual SMB cash flow patterns | Generic tools offer no allocation intelligence, only transaction history |
| Tax-category tagging | Every transaction tagged by capital category automatically, exportable for your accountant | Mint categorises spending, not capital gains or business income by tax class |
| Multi-entity support | Up to 3 business entities on one dashboard with team access and role permissions | No personal finance tool handles multiple legal entities in a single view |
| QuickBooks sync | Native two-way sync included on Vault Pro and above | Requires manual export and import with most competitors |
| Pricing model | Flat monthly SaaS fee. No transaction fees, no AUM percentage, no surprises | Some tools take a percentage of assets under management as you grow |
Built for one kind of person
CapVault is not a budgeting app dressed up in business clothes. It was built specifically for people who operate in two financial worlds at once, running a business and managing personal capital simultaneously, with no clean line between the two. If your financial life looks like a stack of browser tabs and a Google Sheet you update on Sundays, this is for you.
- Small business owners managing $100K to $5M in annual revenue
- Freelancers and solopreneurs with mixed income streams
- Self-directed investors with brokerage and savings to track
- Early-stage founders watching runway alongside personal net worth
- Independent investors managing between $50K and $500K themselves
You're already managing the money. It's time you could actually see all of it at once.
No credit card required. Full Vault Pro access for 14 days. Cancel any time.
Frequently asked questions
How does account linking work and is it truly read-only?
CapVault uses Plaid, the same secure API infrastructure used by thousands of financial applications in the US, to connect to your bank accounts, brokerages, and loan providers. The connection is read-only: CapVault can retrieve your balance and transaction data to display in your dashboard, but it cannot initiate transfers, make payments, or move money in any direction. Your credentials are never stored on CapVault's servers. All data is encrypted in transit and at rest using 256-bit AES encryption.
Which banks and brokerages are supported?
Plaid connects to over 12,000 financial institutions across the United States, including Chase, Bank of America, Wells Fargo, Citibank, Fidelity, Charles Schwab, TD Ameritrade, Coinbase, and most major credit unions and regional banks. During your 14-day free trial you can test your specific accounts before committing to a paid plan. If a connection is not available, the support team will tell you honestly rather than leaving you to find out after you have signed up.
How is CapVault different from Mint or Personal Capital?
Mint and Personal Capital are personal budgeting tools. They were built to track household spending and individual savings. They do not support business banking accounts in any meaningful way, they cannot handle multiple legal entities, they offer no capital allocation intelligence for SMB cash flow patterns, and they have no QuickBooks sync or tax-category tagging for business income. CapVault is built from the ground up for people who run a business and manage personal capital at the same time, and who need both pictures in one place.
What is included in the 14-day free trial?
The free trial gives you full access to Vault Pro for 14 days. That includes unlimited account connections, the real-time capital allocation scoring, tax-category tagging, QuickBooks sync, and priority support. No credit card is required to start. If you connect your third account during the trial, you will see exactly why that is the moment most users decide to stay. You can cancel before day 14 and pay nothing.
Can I manage multiple business entities on one account?
Yes, on the Vault Business plan. You can connect up to three separate business entities, each with their own account groupings, and view them individually or as a consolidated picture. The Business plan also includes team access with role-based permissions, so your bookkeeper can see what they need to see without accessing your personal accounts, and your business partner can view the entity they manage without seeing yours. Pricing for Vault Business is quoted based on your specific setup.
Get in touch
Connect your first accounts in under five minutes. No spreadsheets. No reconciliation. Just your real capital position, updated automatically.
No credit card required. Full Vault Pro access for 14 days. Cancel any time.