Banking that grows your credit profile

Manage your business banking and build your credit profile in one platform.13

Get Started
Lili is a financial technology company, not a bank.
Banking services are provided by Sunrise Banks, N.A., Member FDIC

200K+
businesses
served

Build your credit profile. Grow with confidence.

BusinessBuild Credit Card

A secured credit card that helps grow your credit profile with everyday business spending13

24/7 credit profile access

Track your business credit score in real time, directly from your Lili account.

Real-time alerts

Get notified when your profile or scores change—plus insights on why

6 key credit scores & ratings

View PAYDEX®, D&B Rating, and other essential scores that reflect your business creditworthiness.

Credit-building training

Get practical tips, a step-by-step eBook, and access to live webinars—all designed to help you grow your business credit profile the right way.

Business banking account

Send and receive payments, manage expenses, and stay organized with banking built for growing businesses.

Grow your business
and your credit profile, side by side.

Get Started
Lili is a financial technology company, not a bank.
Banking services are provided by Sunrise Banks, N.A., Member FDIC

How the BusinessBuild card works

Add your deposit

Set your refundable security deposit, it becomes your credit limit.

Use your card

Pay for everyday business expenses and track spending in one place.

Build your profile

Your monthly payments are automatically reported to Dun & Bradstreet to help build your business credit profile.

See your progress

Monitor your credit scores directly from your Lili account

Why build business credit with a secured card?

Easier to get approved - Start building your business credit profile even if you’re just getting started.
Show your reliability - Make consistent on-time payments and strengthen your credibility over time.
Open new opportunities - A strong credit profile unlocks better financing, higher limits, and improved terms for your business.
$0 monthly fees for Lili Core

Business banking
you can count on

Online banking for small business owners building alone or scaling a company.

Open Account

High-speed, high-volume payments

Express ACH, domestic & international wires9, expedited check deposits11

Business credit, built in

Flexible terms, fast decisions10

Up to 4.00% Annual Percentage Yield (APY) on savings

Daily earnings, no lockups3

$3 Million FDIC Insurance

Expanded protection through a sweep network12

Connect your business tools

Seamless integration with the platforms you rely on

Real, human support 7 days a week

Support that fits your schedule: live help 7 days a week and round-the-clock AI assistance. Connect by app, phone, email, or online.

Security you don't have to think about

Up to $3M FDIC insurance

Protection through Lili’s sweep network of partner banks.12

Real-time controls and monitoring

Instant card freeze, alerts, and fraud monitoring.

Built for higher balances

Designed for businesses managing meaningful operating capital.

Trusted by
thousands
McKenzie Doll
US
June 30, 2025 at 10:08
The best banking for my small business
I was just going to open a bank account with a different bank but when DUN & BRADSTREET recommended Lili business banking I had to try them out and found a jewel of business bank!!! I’m thoroughly pleased, I can organize my purchases in one place, and It also keeps them all categorized!

Banking that supports healthy credit growth

Manage business banking and build healthy credit habits together—with tools designed to help your business grow

Get Started
Lili is a financial technology company, not a bank.
Banking services are provided by Sunrise Banks, N.A., Member FDIC

Contact Us

Live support, 7 days a week

Email us at [email protected]

Lili App Inc.
Offices at 15 West 18th Street, New York, NY 10011, United States.

Lili is a financial technology company, not a bank. Banking services are provided by Sunrise Banks, N.A., Member FDIC. The Lili Visa® Debit Card is issued by Sunrise Banks, N.A., Member FDIC, pursuant to a license from Visa U.S.A., Inc. The Card may be used everywhere Visa debit cards are accepted.


Wire Transfer service provided by Column Bank N.A., Member FDIC. All wires are subject to acceptance criteria and risk-based review and may be rejected at the sole discretion of Column Bank N. A. or Lili App Inc.

1 Eligibility for cashback awards is available to Lili Pro, Lili Smart, and Lili Premium account holders only; applicable monthly account fees apply. For details, please refer to your Sunrise Banks Account Agreement.

2 Accounting, tax preparation and invoicing software is available to Lili Smart and Lili Premium account holders only; applicable monthly account fees apply. For details, please refer to your Sunrise Banks Account Agreement.

3 The Annual Percentage Yield (“APY”) for the Lili Savings Account is variable and may change at any time. The disclosed APY is effective as of November 13, 2025. Must have at least $0.01 in savings to earn interest. 2.25% APY applies to balances of up to and including $500,000. 4.00% APY applies to balances over $500,000 and up to and including $1,000,000. Any portions of a balance over $1,000,000 will not earn interest or have a yield. Available to Lili plans.

4 BalanceUp is a discretionary overdraft program for debit card purchases only, offered for Lili Pro, Lili Smart, and Lili Premium Account holders; applicable monthly account fees apply. You must meet eligibility requirements and enroll in the program. Once enrolled, your Account must remain in good standing with a deposit and spending history that meets our discretionary requirements to maintain access to the feature. BalanceUp overdraft limits of $20-$200 are provided at our sole discretion, and may be revoked any time, with or without notice. Please refer to our BalanceUP Service Disclosure for more details.
5 Early access to ACH transfer funds depends on the timing of the payer’s submission of transfers. Lili will generally post these transfers on the day they are received which can be up to 2 days earlier than the payer’s scheduled payment date.

6 Up to $1,000 per cardholder per 24 hours period. Some locations have lower limits and retailer fees may vary ($4.95 max). Note that Lili does not charge transaction fees.

7 Lili AI and other reports related to income and expenses provided by Lili can be used to assist with your accounting. Final categorization of income and expenses for tax purposes is your responsibility. Lili is not a tax preparer and does not provide tax, legal or accounting advice. You should consult your own tax, legal and accounting advisors regarding your specific situation.

8 Lili does not charge debit card fees related to foreign transactions, in-network ATM usage, or card inactivity, or require a minimum balance. The Lili Visa® Debit Card is included in all account plans, and remains fee-free with the Lili Core plan. Applicable monthly account fees apply for the Lili Pro, Lili Smart, and Lili Premium plans. For details, please refer to your Sunrise Banks Account Agreement.

9 International wire transfers are only available to legal entity customers (LLCs, corporations, and partnerships). Transfers can be made to and from select countries. Please check your app for the most up to date list. Fees apply. Learn more here Sunrise Banks Account Agreement.

10 Access to capital is provided by our partners that offer business loans or lines of credit. Lili is a financial technology company, not a bank or lender. Underwriting required.

11 Expedited availability of funds is based on individual circumstances.

12 FDIC insurance only covers the failure of an FDIC insured bank. The standard FDIC deposit insurance limit is $250,000 per depositor, per FDIC insured bank, per ownership category through Sunrise Banks, N.A and the sweep program banks. See Sunrise Banks Account Agreement and Addendum to Sunrise Banks Account Agreement.

13 BusinessBuild is an add-on feature available to all Lili Accounts, except sole proprietorships and non-US citizens. After a one-month free trial, account holders will be charged $18 per month for the next three months, then $30 per month thereafter. By integrating your Lili Account through the D&B Credit Insights banking integration feature, there may be potential for you to positively impact your Delinquency and Failure Scores. Dun & Bradstreet requires a minimum of six months of business banking transaction history to be able to potentially impact these scores. Customers must be enrolled in the BusinessBuild feature to access the Lili BusinessBuild Card (Card). Lili App Inc. (Lili) partners with CapitalOS and First Internet Bank of Indiana, Member FDIC, for the Card. Lili is a financial technology company, not a bank or lender. CapitalOS is a financial technology company and lender, not a bank. CapitalOS or one of its affiliates is the lender, and Cards are issued by First Internet Bank of Indiana, pursuant to a license from Visa U.S.A. Inc.

14 The Core banking account has no monthly fee. Monthly fees apply to the Pro, Smart, and Premium accounts. See the fee schedule here for details.

15 To learn more about our fees, please check out our fee schedule here.

16 Figures based on a Lili survey conducted between January 1, 2025 and January 1, 2026. Information available upon request.

© 2026 Lili App Inc. All Rights Reserved. PO Box 1809, New York, NY 10156