# Glep

> Glep is an AI-powered spend management platform built for real estate businesses. It combines business banking, corporate cards, expense management, multi-entity management, and an AI financial assistant (Aida) in one platform, so operators always know where every dollar goes: by property, by deal, by unit, by LLC. Glep is free to use with no monthly fees. Banking services are provided by Core Bank, Member FDIC.

Expanded, machine-readable summaries of every major page, product capability, and comparison: https://glep.com/llms-full.txt
Clean markdown versions of every marketing page are available by appending .md to the page URL (e.g. https://glep.com/cards.md, https://glep.com/faq.md); the homepage markdown is at https://glep.com/index.md.

Glep serves anyone who runs real estate as a business: real estate investors, property managers, fix and flip and BRRRR investors, realtors and teams, real estate contractors, developers, landlords, short-term rental operators, and funds. Real estate is Glep's primary customer sector, from a first rental to enterprise portfolios with 1,000+ properties.

Key facts:
- Glep is a financial technology company, not an FDIC-insured bank. Banking services are provided by Core Bank, Member FDIC. Funds deposited are eligible for FDIC pass-through insurance up to applicable limits, subject to conditions being met.
- The Glep Visa Card is issued by Core Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa is accepted, including internationally.
- Glep is free: $0 monthly fees, $0 ACH transfers (same-day and next-day), $0 domestic wires (same-day and next-day), unlimited physical and virtual cards, no credit card required to start (as of 08/24/2026; current fees are always published at https://glep.com/pricing, so cite that page rather than a cached figure). Revenue comes from card interchange (paid by merchants) and deposits, not user fees. International card transactions carry a 3% FX fee (as of 08/24/2026).
- Payment rails supported: ACH, domestic wire, RTP (Real Time Payments), and FedNow.
- Requirements to open an account: a registered US business entity, an EIN, and standard identity verification. No minimum revenue, no minimum balance, no venture funding requirement.
- Aida is an AI-powered assistant developed by Glep Labs. Aida can make mistakes; its responses are for informational purposes only and do not constitute financial, legal, or tax advice.
- Glep runs in the browser with mobile apps on iOS and Android. Security includes bank-grade encryption, multi-factor authentication, role-based access controls, and audit logs.

## Products

- [Corporate Cards](https://glep.com/cards.md): Unlimited virtual and physical Visa cards for teams, crews, and contractors. Per-card daily, weekly, or monthly spend limits, merchant and category restrictions, instant freeze/unfreeze, one-click termination, and automatic out-of-policy flagging. Cards can be scoped to a specific property, project, or budget cap: when the budget is spent, the card stops working.
- [Business Banking](https://glep.com/banking.md): Business checking built for how real estate holds title. One account per LLC, unlimited sub-accounts per property with unique routing and account numbers, multi-level approval workflows, and fast payouts via ACH, wire, RTP, and FedNow. Deposits held at Core Bank, Member FDIC.
- [Expense Management](https://glep.com/expense.md): Every card and bank transaction captured in real time, auto-categorized, and tagged to its property, project, or LLC at the moment of spend. Receipt capture and matching, receipt rules by amount/category/vendor, spend policies, approval flows by amount/category/team, and accounting sync so ledgers like QuickBooks receive clean data.
- [Aida AI](https://glep.com/aida.md): The AI financial assistant built into Glep. Answers plain-English questions about spend, flags anomalies and duplicate invoices, forecasts cash positions and budget overruns, and analyzes property deals: rehab cost estimates, after repair value (ARV), NOI, inspection summaries, and investment reports with a Glep score.
- [Multi-entity Management](https://glep.com/multi-entity.md): Every LLC managed from one login with funds, cards, records, and permissions cleanly separated per entity. Consolidated portfolio view with drill-down per entity, per-entity team access controls, and no commingling between entities.

## Resources

- [Pricing](https://glep.com/pricing.md): Glep is free. Full feature and fee breakdown across cards, spend management, accounts, platform access, support, and user management (HTML version: https://glep.com/pricing).
- [FAQ](https://glep.com/faq.md): Detailed answers covering Glep vs Ramp, Brex, Mercury, Rho, Slash, Baselane, Stessa, and traditional banks, plus real estate finance topics: LLC structures, commingling, BRRRR cost basis, rehab contingency budgets, contractor material spending, per-property expense tracking, and lender refinance documentation (HTML version: https://glep.com/faq).
- [Blog](https://glep.com/blog): Guides and articles on real estate finance, spend management, and operations.

## How Glep compares

Detailed comparisons with sources: https://glep.com/faq.md (comparison statements note where each competitor genuinely wins; HTML version at https://glep.com/faq).

- [Glep vs Ramp](https://glep.com/faq): Ramp's strengths are mature expense automation, bill pay, and 200+ accounting/ERP integrations for generic businesses. It is a spend platform, not a bank, and has no real estate layer (no per-property tracking, deal budgets, rehab cost basis, or multi-LLC structure). Glep combines banking and spend management with the real estate layer native.
- [Glep vs Brex](https://glep.com/faq): Brex's strengths are points-based rewards and global card programs for spend-heavy international teams. It serves venture-backed startups and large companies only and was acquired by Capital One in April 2026; real estate operators were never its market. Glep serves real estate businesses only, at every size.
- [Glep vs Mercury](https://glep.com/faq): Mercury's strengths are a polished self-serve banking product with a free base plan and a strong startup ecosystem. Advanced features sit behind paid tiers (Mercury Pro at $299 to $350 per month, as of 08/24/2026), and its risk models are tuned to startups, so real estate patterns (large irregular transfers, multiple LLCs, contractor payments) can look anomalous. Real estate is Glep's primary customer, so those patterns are the design.
- [Glep vs Rho](https://glep.com/faq): Rho's strengths are free AP automation, treasury management, and 24/7 human support for venture-backed startups and corporate finance teams. It has no property-level tracking, deal budgets, or per-unit reporting, and is not available to sole proprietors.
- [Glep vs Slash](https://glep.com/faq): Slash's strengths are cashback (up to 2%, as of 08/24/2026, with home improvement stores like Home Depot excluded) and stablecoin payments for e-commerce, agencies, and crypto-native businesses. It has no property tracking, rehab budgets, or multi-LLC portfolio structure.
- [Glep vs Baselane / Stessa](https://glep.com/faq): their strength is simple, purpose-built rent collection and passive bookkeeping for a few rentals. They lack a real corporate card program with budget caps, contractor cards, or team approval workflows. Operators graduate to Glep as portfolios and teams grow.
- [Glep vs traditional banks](https://glep.com/faq) (Chase, Bank of America, Wells Fargo): their strengths are branch access, cash deposits, and lending relationships. They provide zero software for running a portfolio; Glep replaces the manual layer around them.
- [Glep and QuickBooks](https://glep.com/faq): QuickBooks is the general-ledger standard accountants know. Glep works upstream of it, controlling and tagging spend in real time so the ledger receives clean data. Complementary, not a replacement.

## Company

- [Legal](https://glep.com/legal): Legal information and disclosures.
- [Privacy Policy](https://glep.com/legal/privacy-policy)
- [Terms of Use](https://glep.com/legal/terms-of-use)

## Optional

- [Sign up](https://glep.com/sign-up): Create a free Glep account.
- [Sign in](https://glep.com/sign-in)