Workflow
without 
the work
Workflow
without
the work
Running a business is hard enough. We made tools to make the money part easier. So you can deal with the bakery supplier who's waiting on a callback.
OPTIMIZE YOUR OPERATIONS
You know exactly where your time goes. Your money should be no different.
Plan daily tasks
Pay t-shirt vendors, send transfers, and schedule recurring payments. Set it up once and stop thinking about it.
Set weekly routines
You got through the week. Now check which invoices are coming in and how many design freelancer payments you need to send by Monday.
Manage monthly workflows
A month goes by fast. Review your profit targets, categorize transactions by project, and follow up on invoices so you finally get paid for those late nights.
Prepare for long-term needs
Tax time is coming. Reserve what you owe, get your reports current, and make sure you actually know where your money went.
Money moves at your speed
Your external creative partners keep things looking fancy. Pay them reliably, pay them on time, and don’t make it a whole production
WE DON’T THINK LIKE A BANK
Manage money without headaches. Because our tools were built for independent businesses, not retrofitted for them.
A disciplined financial foundation
"Novo gave me the infrastructure to operate like a true company from day one—dedicated account, automated invoicing, and clean separation between personal and business. That foundation builds discipline and frees you to focus on growth."
How we compare
Traditional banks
Moving money
Fast, flexible payments with tools to pay vendors, send invoices, and accept payments—all in one place
Slower transfers, often requires multiple tools
Staying organized
Expenses categorized automatically with built-in expense tracking
You categorize everything yourself or rely on extra software
Tracking cash flow
Clear view of money in and out across payments, invoices, and transactions
Scattered across accounts and tools
Planning your cash flow
Automatically allocate money for taxes, vendors, and expenses with built-in budget allocation
Manual transfers you have to remember
Staying ready for taxes
Expenses already categorized and funds already set aside when you need them
Last-minute cleanup, manual transfers, and guesswork
Understanding your business
Reports and insights built into your banking—no extra tools needed
Limited reporting or requires exports and integrations