Operating accounts
Real-time balances and reserves built for the way startups actually manage cash.
The financial OS your startup grows into
Banking, cards, spend controls, and runway clarity on one platform—so you can move fast now and stay investor-ready as you scale.
1 platform
Banking, cards, and books in one place
Day one
Spend controls before the first hire
Real time
Runway that updates as money moves
Investor-ready
Clean books when diligence calls
Speed is easy. Control is what lasts
Early teams stitch a bank, a card tool, and a spreadsheet together—then lose the thread as they grow. Ora puts it on one calm surface from the start.
Know your runway like you know your roadmap.
Operating cash, reserves, and burn on one live surface—so every decision starts from the real number.
One operating view as you scale from 2 to 200
Accounts, cards, spend, and signals stay connected—so the system that works for your first hire still works at your Series B.
Cash and reserves in one place
Operating balances, tax reserves, and buffers update the moment money moves—no portal-hopping.
Runway tied to real spend
Burn, payroll, and obligations feed a runway view that's current, not reconstructed at month-end.
Spend policy from day one
Set caps and categories per team so growth never outruns governance.
Everything a growing company needs to run money
Start with banking and cards, add controls and intelligence as you grow—without migrating tools.
Live runway signals
Runway, burn, and obligations update continuously so the board number is always current.
Spend policies
Caps, categories, and approvals encoded once and enforced on every card and bill.
Dynamic limits
Issue cards instantly and adjust limits per team or project as priorities shift.
Investor-ready activity
A complete, exportable record so diligence and close start from clean data.
From first deposit to board-ready
Three steps to a finance stack that scales with you—no spreadsheets in the middle.
1
Open and fund accounts
Set up operating and reserve accounts and bring spend onto one surface.
2
Set policies and limits
Encode who can spend what so the team moves fast inside clear guardrails.
3
Operate with live clarity
Watch runway, approve transfers, and close cleanly—without leaving Ora.
Built on the full Ora platform
Every capability here runs on the same premium operating system as banking, spend, payments, and intelligence.
Explore more by company type
Build your company on a finance stack that scales
Join the waitlist for Ora—banking, cards, spend, and runway clarity on one platform from day one.