💡 Pick it for a modern, startup-focused replacement with strong banking and financial-management tools.
Mercury is a comprehensive project management software that helps teams collaborate and track progress effectively.
$29.99/month
Best Azlo Alternatives ranked by AI · updated Aug 2026
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Azlo was an online business banking service for freelancers, entrepreneurs, and small businesses. It offered fee-free business checking and invoicing, but BBVA USA shut down Azlo in 2021.
Top 6 Azlo alternatives
💡 Choose it if you want Azlo-like online banking with better envelope budgeting and team permissions.
Relay is a JavaScript framework for building data-driven React applications.
💡 Pick it if earning interest or handling occasional cash deposits matters more than startup-specific tools.
Bluevine offers small-business banking and financing products, including business lines of credit for eligible companies. It suits owners who want funding and...
Pros
- Combines business banking with financing products
- Revolving credit can be more flexible than a single-use loan
- Online tools are oriented toward small-business cash-flow management
Cons
- Credit eligibility and limits vary substantially by applicant
- Financing may cost more than comparable bank credit
- Not every business or industry qualifies for every product
Variable rates and fees; quote required
4
Novo
Novo
💡 Choose it for straightforward free checking with strong freelancer and ecommerce integrations.
Novo is an online business checking account for freelancers, entrepreneurs, and small businesses. It focuses on fee-light banking with invoicing, payment processing,...
Pros
- No monthly fee for its core business checking account
- Useful integrations with Stripe, Shopify, QuickBooks, and Xero
- Simple application and mobile-first account management
Cons
- Fewer built-in tax and bookkeeping features than Lili
- Cash deposits are less convenient than at traditional banks
- Limited support for complex team permissions
5
Found
Found
💡 Pick it if you are a freelancer who wants banking, invoicing, bookkeeping, and tax tracking together.
Found is an online business banking platform for freelancers and self-employed professionals. It combines business checking with invoicing, expense tracking, tax estimates,...
Pros
- Strong combination of banking, invoicing, and tax tools
- Free plan is well suited to solo operators
- Automatic tax tracking is comparable to Lili's tax features
Cons
- Paid plan costs more than Lili's entry-level paid tier
- Not designed for complex approval workflows or larger teams
- Fewer business integrations than Mercury or Relay
Free; Plus from $19.99/mo
6
Lili
Lili Financial Inc.
💡 Choose it if you want a mobile-first Azlo alternative centered on freelancer taxes and spending.
Lili is an online business banking platform for freelancers, independent contractors, and small business owners in the United States. It combines business...
Pros
- Combines banking, tax savings, and bookkeeping tools in one app
- Designed specifically for freelancers and solo business owners
- Offers automatic expense categorization and tax set-asides
Cons
- Available only to eligible U.S. business customers
- Paid plans are needed for advanced tax and bookkeeping features
- Less suitable than Mercury or Relay for larger teams
Free; paid plans from $9/mo
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