The financial OS for the modern business

Your whole business,running itself.

Form your company, get no-fee financial accounts, manage spend with Smartcards, send free instant payments, and keep penny-perfect books. All from one app.
Scan with your phone to download looch
Get the looch app
Point your phone camera at the code to download.
Download on the App StoreComing soon to Google PlayComing soon
looch Smartcard
Future-ready accounting, cash & spend management, and instant payments for:

Get blissfully organized.

No more broken transaction feeds.

No more missing or duplicate transactions.

Say hello to looch.
5
Built-in looch accounts
12K
Supported external accounts
160
Accounting categories
Visa Business
Tap to Pay
Apple Pay
Google Pay
Woo
Books on autopilot

The back office, off your plate.

Free on looch accounts
Accounting suite
No fee
FDIC pass-through insurance eligible accounts up to $250k¹
Free
Instant payments
Effortless
PayrollComing soon
Audit-ready

True accounting.
A clear interface.
Peace of mind.

Everything you need. Nothing you don't.
Ditch the confusing, pricey accounting software. Penny-perfect reports, shared right from your phone.
Not just for freelancers.
Proper accounting for all entity types. Fly solo, with a partner, form the LLC, or incorporate. looch handles it all.
Start a new entity →
Free instant payments.
Instant peer-to-peer payments between looch businesses, 24/7/365. Never closed. Always free.²

Invoicing, minus the bookkeeping.Coming soon

Get paid online by card, wallet, or instant pay by bank³. In person, accept cards and wallets with Tap to Pay. No terminal required.

looch applies payments to your invoices and even handles the fee accounting.

You decide who pays the fee.
Scheduled invoices.
Get all your invoicing done at once and decide when to send.
Recurring invoices.
Perfect for landlords and monthly billing. Contacts can enroll in auto-pay.
Pass the fee along.
Accept cards & wallets for 3.3% + 30¢ online, or 3% + 15¢ in person. Absorb the fee or pass it on to your contact. Your choice.²
Get paid instantly.
Get instant access to payments received from cards & wallets, including pending or unsettled sales, for 1.5% (min 50¢).²
Spend monitored

Control team spend with Smartcards.

Issue a Smartcard to any teammate in seconds. Set daily, monthly, and all-time limits, restrict merchants and categories, and watch every charge enter itself.
Compliant

Payment compliance without the paperwork.

No more chasing W-9s or sensitive account details. Your contact's email address is all you need. looch AI makes the 1099 determination. You file right from your phone.
Fully consolidated

Clean books are your new normal.

Your business doesn't need four dashboards. One app replaces the pile. Ditch the clutter. Embrace simplicity.
Accrual method.
looch tracks your invoices and bills so you know when money is due to you and when it's time to pay. Don't miss a detail and unlock your liquidity.
CPA-quality financial reports.
Effortlessly generate your profit & loss, accounts receivable, accounts payable, balance sheet, statement of cash flow, general ledger, and trial balance. Get the full picture in a flash.
Accuracy with looch AI.
looch AI knows when to enter transactions for you, and when to make expert-level suggestions based on your entity type and tax treatment.
“I love re-connecting my accounts to my accounting software every time. Comparing transactions and looking for discrepancies is fun!
No one ever
“My accounting software does a great job at guessing what my transactions are. I feel like it truly understands my business.
No one ever
“My contacts feel comfortable sharing their financial info with me. They trust that I've paid them when the transfer takes forever.
No one ever
“Connecting multiple platforms to my accounting software is ideal for my business. Closing the books is a breeze, and it's cost-effective!
No one ever
“1099 compliance is straightforward. My accounting software determines which of my contacts are 1099‑NEC, 1099‑Misc, or exempt. The total is always accurate!
No one ever
“I love re-connecting my accounts to my accounting software every time. Comparing transactions and looking for discrepancies is fun!
No one ever
“My accounting software does a great job at guessing what my transactions are. I feel like it truly understands my business.
No one ever
“My contacts feel comfortable sharing their financial info with me. They trust that I've paid them when the transfer takes forever.
No one ever
“Connecting multiple platforms to my accounting software is ideal for my business. Closing the books is a breeze, and it's cost-effective!
No one ever
“1099 compliance is straightforward. My accounting software determines which of my contacts are 1099‑NEC, 1099‑Misc, or exempt. The total is always accurate!
No one ever

Put your credit cards to work.

Pay bills, contacts, and even payroll with the cards you already carry. Earn your rewards and keep your float. Your records stay organized.
Get started
The financial OS for the modern business.
Scan with your phone to download looch
Get the looch app
Point your phone camera at the code to download.
Download on the App StoreComing soon to Google PlayComing soon
SmartcardsPricinglooch PayStart a business
AboutContact usStatusTerms of servicePrivacy policy
CompareBlogHelp centerPress
looch and the infinity-ring logo are registered trademarks of Simplicity Fintech Inc, a financial technology company.
looch Smartcards Visa® Commercial Cards are powered by Stripe and issued by Celtic Bank.
Simplicity Fintech Inc partners with Stripe Payments Company for money transmission services and account services with funds held at Fifth Third Bank N.A., Member FDIC.
1. looch accounts are eligible for FDIC pass-through deposit insurance if they meet certain requirements. The accounts are eligible only to the extent pass-through insurance is permitted by the rules and regulations of the FDIC, and if the requirements for pass-through insurance are satisfied. The FDIC insurance applies up to $250,000 USD per depositor, per financial institution, for deposits held in the same ownership capacity. Neither Simplicity Fintech Inc nor its financial technology partners are FDIC-insured institutions. FDIC’s deposit insurance coverage only protects against the failure of an FDIC-insured depository institution.
2. Instant payments are free when sent with a looch account, a fast transfer from an accounting-enrolled external account, or a standard transfer from any external account. Instant payments sent with a card are 3.3% + 30¢. Refer to the pricing page.
3. Instant pay by bank depends on the bank sending the payment. Some banks support instant payments and the money arrives in seconds. Payments from banks that don't yet support them take 4 business days to arrive.
4. When running payroll, early ACH may not be available in all scenarios.
For more information, please see our terms of service and privacy policy.
This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.
looch and the infinity-ring logo are registered trademarks of Simplicity Fintech Inc, a financial technology company.
looch Smartcards Visa® Commercial Cards are powered by Stripe and issued by Celtic Bank.
Simplicity Fintech Inc partners with Stripe Payments Company for money transmission services and account services with funds held at Fifth Third Bank N.A., Member FDIC.
1. looch accounts are eligible for FDIC pass-through deposit insurance if they meet certain requirements. The accounts are eligible only to the extent pass-through insurance is permitted by the rules and regulations of the FDIC, and if the requirements for pass-through insurance are satisfied. The FDIC insurance applies up to $250,000 USD per depositor, per financial institution, for deposits held in the same ownership capacity. Neither Simplicity Fintech Inc nor its financial technology partners are FDIC-insured institutions. FDIC’s deposit insurance coverage only protects against the failure of an FDIC-insured depository institution.
2. Instant payments are free when sent with a looch account, a fast transfer from an accounting-enrolled external account, or a standard transfer from any external account. Instant payments sent with a card are 3.3% + 30¢. Refer to the pricing page.
3. Instant pay by bank depends on the bank sending the payment. Some banks support instant payments and the money arrives in seconds. Payments from banks that don't yet support them take 4 business days to arrive.
4. When running payroll, early ACH may not be available in all scenarios.
For more information, please see our terms of service and privacy policy.
This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.