Working Capital

Pay later. Grow now.

  • Upfront transparent and fixed fees

  • Access to your available working capital

  • Pay supplier bills 30 to 90 days later

Desktop accounts payable

Banking services provided by Patriot Bank, N.A., Member FDIC. Account opening is subject to registration and ID verification.1

Works with 5,000+ banks

Trusted by US based SMEs, Accountants & Bookkeepers

Push your payments. Unlock your potential.

Free up cash flow and get the working capital you need to grow. Tola Push pays your suppliers on time, you pay us back in 30, 60, or 90 days with a fixed fee.

Select the invoice in Tola

Upload bills directly as PDFs or forward them to Tola via e-mail. We'll automatically capture key details for you, no manual entry required.

We pay your suppliers

Tola pays your suppliers or vendors on time, however they prefer to get paid - ACH or check.

You pay us 30 to 90 days later

Select a repayment to Tola 30 to 90 days later with a fixed and transparent fee. Payment will be automatically scheduled and reconciled on the due date.

Features

The best in class tools to help your business save time and money.

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Real-time accounting sync

Integrate with Quickbooks or Xero to reconcile bills and vendors in real time.

Real-time accounting sync

Automatic bill capture

Upload your vendor invoice as PDF and let Tola extract key details to save you time.

Automatic bill capture

Oversee all your cash flow

See your balance, incoming, pending, and outgoing payments, all in one place.

Oversee all your cash flow

Approval workflows

Invite your team or accountants and easily set up rules on who can pay which bills.

Approval workflows

Track payment status

See an audit log, track all payment steps and share the payment status with vendors.

Track payment status

Easy vendor onboarding

Securely collect payment details from vendors by adding their e-mail.

Easy vendor onboarding

Set recurring payments

Set up timely, recurring invoices for your regular customers.

Set recurring payments

Schedule payments

Easily schedule bills in advance, ensuring your vendors always get paid on time.

Schedule payments

Loved by leading companies

Katelyn Magnuson
Tola team has been incredibly fast and responsive with new requests and a pleasure to work with.
Katelyn MagnusonCo-founder of FreelanceCFO
Accountants
Marc Zera
Tola saves us the time and hassle of dealing with paper checks. Now we can pay any supplier online with just a few clicks!
Marc ZeraCo-Owner of Off Track Ice Cream
Hospitality
Lance Parthemore
Before Tola, we used checks for everything. We’ve definitely modernized how we deal with payments thanks to Tola.
Lance ParthemoreDirector of Operations of Triton Sensors
Wholesale
axios logo

"Tola enables SMBs to pay the way they want, while also getting vendors the freedom."

Featured in Axios
October 31, 2024

FAQ

Get started with Tola

Book in a call with our team, who will walk you through the Tola product and how it can benefit you and your clients.

© 2025 Tola Inc. All rights reserved.

  1. Tola is not a bank. Banking services are provided by Patriot Bank, N.A, Member FDIC. Deposits are FDIC-insured through Patriot Bank, N.A., Member FDIC. Account opening is subject to registration and ID verification.
  2. Tola Push services are available for qualified businesses and subject for approval. Displayed fees on this websites are examples, actual terms depend on the individual business's credit eligibility. Please visit our Terms of Service for more details. Read our Privacy Policy.
  3. IMPORTANT INFORMATION FOR OPENING A NEW ACCOUNT: To help the federal government fight the funding of terrorism and money laundering activities, the USA PATRIOT Act requires us to obtain, verify, and record information that identifies each person who opens an Account. WHAT THIS MEANS FOR YOU: When you open an Account, we will ask for your name, address, date of birth, and your government ID number. We may also ask to see a copy of your driver's license or other documents at any time. All Accounts are opened subject to our ability to verify your identity by requiring acceptable types of identification. We may validate the information you provide us to ensure we have a reasonable belief of your identity. If we are not able to verify your identity to our satisfaction, we will not open your Account or we may close the Account if it was previously funded. Your Account is subject to fraud prevention restrictions at any time, with or without notice.