Money
Safe to spend is a number.
Collect on the job is included in Core. The roadmap turns the rest of the bank run into the same product: accounts, crew cards, buckets, and financing, on the same jobs. QuickBooks can stay until then.
Getting paid
Every way a job pays.
The right rail is picked per invoice, before the customer ever sees a button. A $180 service call is a card tap. A $40,000 repipe should never eat card fees, and here it does not have to.
Card and wallets
In Core
Tap the link, pay the invoice. The baseline, included in Core.
Card in person
Planned
Tap to Pay on the tech’s own phone, with counter readers for the shop.
Bank transfer
Being certified
ACH and bank-to-bank for the jobs a card should not carry, with the fees a card would have burned.
Instant bank rails
Foundation built
RTP and FedNow: the $40,000 check that clears while the truck is still in the driveway.
Wire, protected
Foundation built
Invoice-specific instructions, guarded against the swapped-account scam. A changed instruction shows a warning the customer cannot miss.
Checks
Planned
Point the phone at it. The routing line is read and checked, and the record knows a scanned check is not collected money yet.
Cash and everything else
In progress
Recorded with evidence and confirmed at the bank. There is no unaudited mark-paid checkbox in this product.
The standard
Five dollars or $150,000. No surprises either way.
No blind payment attempts. No pay-however-you-want screen. No vague hold after the fact. The whole range gets certified before it gets sold.
One deposit
$4,280 lands once. It splits three ways.
The deposit is real. Tax and payroll are held. The remainder is what the shop can use without borrowing from Friday.
Sample weekly deposit
$4,280
- Tax held
- $856
- Reserved when the payment lands. Not Friday’s surprise.
- Payroll held
- $1,210
- The crew’s checks are already spoken for.
- Operating released
- $2,214
- The part of this deposit the shop can actually use.
The owner
Jobs here. Then the books.
Collect is already in Core. Money is when the books stop living in a second login.
01
The books can live here when you’re ready
QuickBooks stays until Money is the product. Jobs never wait on a second login.
02
Only cleared money counts
A pay button only shows rails that passed. Held or pending money is not available cash.
03
Safe to spend is a number
Tax and payroll are held. Operating is what’s left. The accountant gets statements, not a shoebox.
04
Turn on Money. Do not migrate
Bank feeds, buckets, cards, AP hang off the same jobs. You should not replace the board for a bookkeeper.
Roadmap
The bank side of the shop.
Planned for after the core product ships, where eligibility and provider capability permit. Stated here so you know where this is going: one product, not a stack of logins.
Business accounts
Financial accounts where eligibility permits, plus feeds from the checking, savings, credit, and loan accounts you already have. What actually landed, not a screenshot of a deposit.
Cards for the crew
Physical and virtual cards tied to buckets, with per-card limits and merchant rules. Freeze one from the phone. Every rule is labeled with who enforces it: the provider, the workflow, or advisory.
Buckets, scoped to people
Tax, payroll, operating: held apart so Friday is never borrowed against. Each person sees only the buckets, cards, and transactions their role earns. A tech sees the truck card, not the company’s cash.
Financing, two lanes
Customer financing, so the homeowner can say yes to the right repair. Shop financing, for the truck the busy season demands. Multiple providers, offers side by side with their real rates and terms, and the choice stays yours.
Whose money it is
Built like it is your money. Because it is.
Your money is never pooled with ours
Contractor funds and Thorbis revenue live in separate accounts by architecture. Your customers' payments cannot settle into our balance.
No card or bank numbers stored
Instruments live with the payment provider. Raw numbers never enter our records, logs, or AI context.
Changing the payout account is hard on purpose
Step-up verification, independent alerts, and a cooling period. No support ticket can quietly swap where your money lands.
Straight answers about where money is
Every payment state answers three questions: was the customer charged, where is the money now, and who must act. Normal settlement is never dressed up as a hold.
The books
QuickBooks can stay. Until it doesn’t.
We will not sell a replacement on day one. Jobs live here. The books stay there. Money will replace the second login later, when it is ready.
Keep QuickBooksMoney
Included when released.
Collect is in. The books hang off the same jobs. Payments have their own schedule.
Coming from a suite? We’ll extract your records.
Rather talk first? Email the team.