Best Lili Alternatives ranked by AI · updated Aug 2026

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Lili is an online business banking platform for freelancers, independent contractors, and small business owners in the United States. It combines business checking with expense tracking, tax savings tools, invoicing, and bookkeeping features.

Developer: Lili Financial Inc. Price: Free; paid plans from $9/mo 🎯 lili.co

💰 Fintech 💰 Bookkeeping Freelancers business banking

Top 6 Lili alternatives

Found

💡 Pick it for a freelancer-focused alternative with strong invoicing, tax, and bookkeeping features.

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

Alternatives to Found → Visit site

Novo

💡 Choose it for free business checking and broader integrations with accounting and payment platforms.

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

Free

Alternatives to Novo → Visit site

Bluevine

💡 Pick it when interest earnings or access to small-business credit matter more than built-in tax 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

Alternatives to Bluevine → Visit site

Relay

💡 Choose it for team permissions, multiple cash accounts, and stronger small-business expense controls.

Relay is a JavaScript framework for building data-driven React applications.

Free

Alternatives to Relay → Visit site

Mercury

💡 Pick it for startups needing international payments, team controls, and scalable financial operations.

Mercury is a comprehensive project management software that helps teams collaborate and track progress effectively.

$29.99/month

Alternatives to Mercury → Visit site

NorthOne

North One

💡 Choose it for envelope-based budgeting and a simple alternative to Lili for contractors and small businesses.

North One is an online business banking service for small businesses, freelancers, and contractors. It offers checking, automatic envelope-based budgeting, invoicing, payments,...