Cards for the whole team
Issue virtual cards in seconds and physical ones in days, each with its own owner, budget and merchant rules.
Explore cardsBusiness
Banking that keeps up with your business
Checking, team cards, bill pay and invoicing in one place, so you spend less time on admin and more on the work.
Powering 40,000+ small businesses (illustrative)
- Northwind Studio
- Halcyon Labs
- Juniper & Co
- Atlas Bakery
- Fieldnote
- Kestrel Works
- Moonrise Coffee
- Parallel Supply
One account, every workflow
Everything your finances need
Pay, get paid and keep the team spending wisely, without stitching five tools together.
Bill pay and approvals
Forward an invoice, set who signs off, and pay by ACH or wire once everyone agrees. Every step is logged.
See paymentsInvoicing that gets you paid
Send branded invoices with a pay link, track who has opened them, and see payments matched the moment they land.
Compare plansMonthly limit
$1,840 of $2,500
$660 left · resets Dec 1
Receipt matched · Parallel Supply, $412.00
Online purchasesSubscriptions and web checkouts
InternationalPurchases outside the US
Approved vendors onlyLock the card to your vendor list
Freeze cardDecline everything until unfrozen
If these were swiped now
1 of 3 approved
- Approved
Parallel Supply
Online · approved vendor · $412.00
- International is off
Hotel Brisa, Lisbon
In person · international · $286.00
- Not a vendor
Gadget Outlet
Online · new merchant · $1,299.00
Spend controls
Control spend before it happens
Set the rules once and every card follows them. Try the switches: each purchase is checked against your rules the moment it's swiped.
- Monthly limits per card, person or team
- Lock cards to approved vendors or block categories
- Receipts matched automatically, with reminders for missing ones
Credit
Credit that grows with you
A flexible line of credit for inventory, payroll gaps or a big order. Draw what you need, repay early without penalties, and pay interest only on what you use.
- Lines of up to $250,000, with rates from 6.9% APR
- Decisions in minutes, based on your Elvaris activity
- Limits that rise as your revenue does
Compare
Elvaris vs. a traditional business bank
Fewer fees, faster answers and tools your team will actually use.
| Feature | Elvaris | Traditional bank |
|---|---|---|
| Monthly account fee | Yes:$0 to start, no minimum balance | No:Often $15–$30 unless you hold a minimum |
| Domestic wires | Yes:Free on Plus and Business | No:Usually $25–$35 per wire |
| Cards for your team | Yes:Unlimited virtual and physical cards | No:A few cards, issued by request |
| Bill approvals | Yes:Built-in, multi-step approval rules | No:Email threads and spreadsheets |
| International payments | Yes:40+ currencies to 150+ countries | No:Wide FX markups and wire fees |
| Support hours | Yes:24/7, with real people | No:Weekday business hours |
| Account opening | Yes:Online, in about ten minutes | No:Days, often with a branch visit |
Swipe to compare
Illustrative comparison based on typical published fees, not any specific institution. Elvaris holds no deposits.
We used to approve bills over email and chase receipts at every month-end. Now limits are set before anyone spends, approvals take one tap, and our close takes an afternoon.
Questions from founders
Need something specific for your company? Our business team is on call 24/7.
Talk to our business teamUS-based sole proprietors, LLCs, partnerships and corporations. You'll need your EIN (or SSN as a sole proprietor), your formation documents and an ID for each owner with 25% or more of the company.
$35 a month, or 20% less when you pay annually. It includes free domestic wires, multi-step approvals, unlimited team cards and international payments without an FX markup.
As many as you need. Virtual cards are ready instantly and physical cards ship within days. Each card has its own owner, monthly limit and merchant rules, and you can freeze any of them in one tap.
Set rules by amount, vendor or team. Bills above a threshold go to the right approvers, and money only moves once everyone has signed off. Each decision is recorded with a timestamp for your books.
Eligible businesses can apply for a line of credit of up to $250,000, with rates from 6.9% APR and decisions that usually take minutes. Rates and terms on this site are illustrative.
Accounts are guarded by 256-bit encryption, biometric sign-in, real-time fraud monitoring and instant card freeze. Illustrative: Elvaris holds no deposits, so there is no real money here to protect or insure.
Give your business a calmer back office
Open a business account online in about ten minutes, and invite your team when you're ready.