Glep vs. SVB

SVB Edge has no maintenance or transaction fees for the first three years for pre-Series A companies, with unlimited incoming wires and ACH and unlimited outgoing wires; standard fees apply after. SVB ScaleUp is $50 per month, waivable subject to qualification, with a $500 monthly credit against service fees, as published on svb.com on September 25, 2026. Glep is $0 with no monthly fee, no per-user fee, $0 same-day ACH and domestic wires, plus RTP and FedNow, and a 3% FX fee on international card transactions.

SVB's programs are built for startups and venture-funded companies, with accounts per entity through a relationship. On Glep, every LLC lives under one login with its own account, cards and records, each team member sees only the entities you give them, and every property gets a sub-account with its own account number, all free.

Yes. Issue it, cap it at the project budget, restrict the merchants, and it declines once that money is spent, with every purchase on the project's ledger. SVB's debit and Innovator credit card are subject to approval, and no project cap or expense policy is listed for its checking product.

Glep works upstream of your ledger: every transaction carries its property, so the ledger receives clean data and you keep your accountant's software. SVB lists no property-level tracking and no categorization for its checking product, so property attribution is yours to maintain outside the bank.

Yes. iOS and Android, with receipt capture where the spend happens and card issue, freeze and terminate from the owner's phone, each person limited to their entities. SVB Mobile covers the account and its online banking entitlements; no expense policies are listed for checking, so there is no policy a phone approval would enforce.

No. Open a Glep account online with your US business entity and EIN, add each LLC, open sub-accounts for your properties and issue cards, and run one deal through Glep first. SVB, now a division of First Citizens Bank, is worth keeping if you hold a lending or treasury relationship there. Its Edge account is free for three years and ScaleUp is $50 per month, so what leaving it open costs depends on which one you are on.

If your business is a set of properties held in a set of entities, Glep is built around that structure: an account per LLC, a sub-account per property, Aida tagging every transaction to the property it belongs to, and contractor cards that stop at the budget. Contractors and developers get the same structure for projects, draws and crews, and pay subs by same-day ACH or wire at $0, or by RTP or FedNow. If your business is outside real estate but runs money across several entities, projects or vendors, Glep gives you multi-entity management, entity-scoped team access, sub-accounts with unique account numbers, approval workflows and unlimited cards on the free plan, with no funding-stage requirement and no fee schedule that starts in year four. Start with one property or one project and move the rest on your own schedule; there is no contract and no lock-in.