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THORBIS MONEY · BANKING BUILT INTO THE WORK

The bank account that
knows what a job costs.

Business banking, tech debit cards, customer financing, and payroll — living where the invoices already are. Every dollar arrives labeled, splits itself into buckets, and leaves with a paper trail.

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$0MONTHLY BANKING FEESFDICVIA PARTNER BANK1100%FEES PUBLISHED BELOW
thorbis.com/dashboard/moneyLIVE
Thorbis Money — deposits split into tax, payroll, and profit automatically
01 · BUCKETS · THE CORE OF THORBIS MONEY

Profit First, without the spreadsheet.

Every dollar that lands gets sorted before it ever looks spendable. You never "find" money for taxes in April, because April's taxes have been sitting in their own account since the invoice that earned them.

SPLIT RULES · APPLIED TO EVERY DEPOSITINVOICE #4180-1 · $2,315.00 JUST LANDED
$Payment collected$2,315
63% · OPERATING
Operating
+$1,458
BAL $11,640
15% · TAX
Tax reserve
+$347
BAL $4,120
7% · PROFIT
Profit
+$162
BAL $2,800
15% · PAYROLL
Payroll reserve
+$347
BAL $8,400
RULES RUN IN UNDER A SECOND · REAL SUB-ACCOUNTS, NOT A SPREADSHEET TABEDIT RULES ANYTIME
AUTOSPLITS
Percent rules per deposit
Tax 15%, profit 7%, payroll reserve 20%, the rest operating — or any rules you write, down to the job type.
ANYGOAL
Custom buckets, unlimited
"New truck," "winter slow season," "shop expansion" — each with a target, a timeline, and its own real balance.
1HONEST №
Safe-to-spend
What's left after reserves, payroll, and bills — the number you run the business on, updated the second money moves.
02 · TEAM CARDS · CREDIT & DEBIT

A card in every truck.
Rules on every card.

Issue debit cards from your operating bucket or a Thorbis credit card with limits per tech — fuel and supply-house categories only, per-day caps, and instant freeze. Every swipe demands a receipt by text and lands on the job it belongs to.

$0per card · unlimited cards · 1% cash back on credit1
ThorbisBUSINESS DEBIT
···· 8841
T. OKAFOR · TRUCK 2FUEL + SUPPLY
CARD RULES · T. OKAFOR
Daily limit$400
CategoriesFUEL · SUPPLY HOUSES
ReceiptsREQUIRED BY TEXT
FreezeONE TAP · INSTANT
Card activity · todayEVERY SWIPE → A JOB OR A FLAG
7:04 AMQT #114 · fuel · Truck 2 — receipt texted back in 40s−$61.20
9:48 AMFerguson · Canton — matched to PO #1182 · Job #4198−$304.75
12:10 PMChick-fil-A — outside categories, declined at the terminalDECLINED
2:31 PMHome Depot Pro — no receipt yet · reminder sent, card pauses at 24h−$88.90
03 · BUSINESS CREDIT & CAPITAL

Capital that already read your books.

No statements to upload, no banker to convince — offers are underwritten from the revenue Thorbis already sees, and grow as the business does.1

ThorbisCREDIT
···· 2290
Business credit card

1% back on everything, statements that map to jobs and categories, and a limit that grows with your monthly revenue — not a personal guarantee fight.

$0 ANNUAL FEE · 1% BACK · LIMITS FROM YOUR REVENUE
AVAILABLE TO DRAWRATE SHOWN FIRST
$25,000
$4,500 DRAWN · JANUARY SLOW WEEK
Line of credit

A cushion for the slow season and the big material buy — draw in one tap, pay interest only on what's out, and let invoice income pay it down automatically.

NO DRAW FEES · INTEREST ONLY ON WHAT YOU USE
Truck 5 · fitted & wrapped$62,000
60 MO · FIXED$1,218/MO · OFFER READY
Equipment financing

Trucks, jetters, cameras, excavators — fixed-rate terms offered against your real revenue history, with the payment wired into job costing and your buckets.

FIXED TERMS · OFFER BEFORE YOU SHOP
04 · CONSUMER FINANCING

"$64 a month"
closes what "$2,315" can't.

Every estimate over your threshold shows monthly options automatically. The customer applies from their phone, gets a decision in seconds, and you're funded at completion — the lender owns the risk, not you.

SOFT PULLPre-qualification never dings the customer's credit — more people say yes to checking.
YOU'RE PAIDFull invoice amount at completion, minus the plan's merchant fee — published below like everything else.
BIGGER JOBSShops offering financing sell the "better" option more often — the ticket grows, not the discount.
estimate E-2311 · $2,315 · financing offersDECISION IN SECONDS
12 months · 0% APRPROMOTIONAL · MERCHANT FEE 5.9%$193/moTOTAL $2,315
36 months · 9.99% APRMERCHANT FEE 3.9%$74/moTOTAL $2,689
60 months · 11.99% APRMERCHANT FEE 2.9%$64/moTOTAL $3,089
CUSTOMER APPLIES FROM THEIR PHONE · SOFT PULL · LENDER CARRIES THE RISK1
05 · PAYROLL · IN DEVELOPMENT

Friday payroll, from the week that already happened.

Timesheets come from dispatch, commissions come from invoices, and labor lands on job costs — payroll is a review, not a data-entry session.

PAY RUN · JUN 30 – JUL 4 · 4 TECHS + 2 OFFICEAPPROVE → DIRECT DEPOSIT FRIDAY
NAMESOURCEHOURSOTSPIFFSGROSS
M. ReyesDISPATCH · 11 JOBS · GPS-VERIFIED41.51.5+$120$1,742
T. OkaforDISPATCH · 9 JOBS + INSTALL COMMISSION40.0—+$215$1,895
S. ParkDISPATCH · 10 JOBS · 2 MEMBERSHIPS SOLD38.5—+$90$1,588
J. RuizAPPRENTICE · PAIRED HOURS AUTO-LOGGED40.0——$960
Sarah P. · officeSALARY + ESTIMATE CONVERSION BONUS——+$150$1,404
Taxes withheld and filed · labor posted to jobs · payroll bucket already holds $8,400Approve pay run
COMMISSIONS & SPIFFS
Percent of invoice, flat per install, membership bonuses — computed from the jobs that actually closed.
TAXES FILED
Federal, state, and local withholding filed automatically — W-2s and 1099s at year end.
JOB-COSTED LABOR
Every paid hour lands on the job it served — so margin per job includes the truth about labor.

On the roadmap

FULL ROADMAP →
PayrollPay techs and office staff using the time data already captured in Thorbis.IN DEVELOPMENT
AccountingCore bookkeeping built around how field-service work actually flows.PLANNED
TaxesSales tax and contractor tax tooling wired directly to your invoices and payments.UNDER CONSIDERATION

Every fee. On one screen.

IF IT'S NOT LISTED HERE, WE DON'T CHARGE IT
PLATFORMEverything in Thorbis — unlimited users, every feature$299/MO + USAGE AT COST
BANKINGBusiness account, monthly fee, minimums, ACH out$0
TEAM CARDSDebit & credit cards, per card, per month — unlimited$0
CARD PROCESSINGTap, swipe, or keyed — pass-through, never marked up2.9% + 30¢
BANK TRANSFERCustomer pays by ACH0.8% · $5 CAP
INSTANT TRANSFERYour money to any external bank, in minutes1.5%
STANDARD TRANSFERYour money to any external bank, 1–2 days$0
BUSINESS CREDIT CARDAnnual fee — with 1% back on everything$0 · 1% BACK
LINE OF CREDITDraw fees $0 — interest only on the amount drawn, rate shown before every drawRATE-FIRST
EQUIPMENT FINANCINGFixed APR by term — the offer shows total cost before you signFIXED · BY TERM
CONSUMER FINANCINGMerchant fee by plan — shown before you offer it2.9% – 5.9%
PAYROLLRuns, direct deposit, tax filing, W-2s / 1099sINCLUDED
UTILITIESCalls, texts, video, AI — $100/month credit included, then usage at cost$100 CREDIT / MO
MIGRATION & EXPORTGuided import in, full export out — always$0
EVERYTHING ELSEPer-tech, per-job, setup, support, cancellation, "success" feesNEVER

1 Thorbis is a financial technology company, not a bank. Banking services and FDIC insurance provided through partner banks; consumer financing through lending partners — rates and fees vary by credit and term.

Your money, finally
in the same room as your work.

Banking, cards, financing, and payroll — included in the $299/month + usage at cost, with every fee published above.

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