Small business banking is our big ambition

2.2% unlimited cashback on every purchase for your business in 2022¹
Psst, you can only find this at Nearside!
No monthly fees, overdraft fees, or minimum requirements
Accessible business loans up to $10,000 to grow your business²
Get Started
Open a free account in minutes with no credit check 
Free, with no monthly fees or minimums
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Trusted by over
25,000 entrepreneurs

Contractors
Personal chefs
Makeup artists
Clothing designers
Peach farmers
Etsy sellers
Home cleaners
Uber drivers
Contractors
Personal chefs
Makeup artists
Clothing designers
Peach farmers
Etsy sellers
Home cleaners
Uber drivers
Contractors
Personal chefs
Makeup artists
Clothing designers
Peach farmers
Etsy sellers
Home cleaners
Uber drivers

The one-stop-shop for gig workers and business owners

The Checking Account

Get unlimited cashback with no monthly fees, no minimum requirements, and perks designed to grow your gig.

Learn More

Flexible Business Loans

We’re focused on your aspirations – not your credit history. Get accesible business loans up to $10,000 when you open a Nearside account.

Learn More

Create your LLC with Sprout

Is it time to form an LLC for your business? Get everything you need with packages starting at just $39 a year, skip the paperwork.

Learn More
Coming Soon

See the stories of people
we support every day

"Nearside was the only one who took a chance on me. They don't treat me like just another number."
LaShondra White
See how Nearside supports beauty entrepreneurs
"I have never dealt with a company that has been so interested in their clients. It’s unheard of in banking!"
Chris Malone
See How Nearside Supports Freelancers
“I can use my Nearside business bank account to make purchases and not have to worry about any fees or any other attachments.“
Chavalia Dunlap-Mwamba
See How Nearside Supports Ecommerce

As seen on

nearside mobile banking app

Nearside checking account

Unlimited cashback for self-starters
Small businesses and gig work can be unpredictable, your finances don't have to be. Get 2.2% cashback on every purchase for your business in 2022 without fees or monthly minimums.
Sign Up For Free
“Signing up for Nearside felt like a relief. The bank account has a great user interface and getting money in and out is a breeze!”
Emmett Iris-Cleary
Virtual Insurance Brokers

Nearside business loans from $100 - $10,000

Money that works for you
Bank with Nearside and get a custom loan offer up to $10,000 to support your small business or side gig. Get predictable weekly payments and affordable flat rates with no origination fees or prepayment penalties.
Learn More
“When I applied, I had limited credit and I was a pretty small new business. Nearside was the only company that took a chance on me.”
Nathan Meyer
Colorado Peach Company
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nearside mobile banking app

Nearside Sprout

Form an LLC for as little as $39 a year
Nearside Sprout will form an LLC for your business so you skip all the complicated paperwork. Just fill out one easy form.
Learn more
“With Nearside's support, I feel valued as an individual. I love talking to a person and not a phone tree.”
Photo of Maryanne Satterfield
Maryanne Satterfield
Sweetfrill Shop
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Gig workers

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New business owners

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Sole proprietors

and you’re next!

We’re for people like you

From online sellers to delivery drivers, to vegetable stands, and everything in between, we’re in the business of supporting small.

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Single-member LLCs

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Independent contractors

Freelancers

Apply and get started in minutes

No registered business necessary, even if you’re a one-person-show.

Create your account

Complete your application online in just a few minutes.

Submit your application

It’s often approved within the same day.

Start using Nearside

Fund your account and start earning cashback with your Nearside debit card.

Let's Go

World-class security 

FDIC – Insured

Advanced encryption

Small business banking secured with the same Advanced Encryption Standard (AES-256) as the United States Military

Enhanced data protection

Our servers are located in a secure data center, protected by an enterprise-class firewall system.

FDIC – Insured

Integrate seamlessly

You can connect your Nearside business bank account to the platforms that bring cash into your small business, including Lyft, Square, Amazon, Shopify, and more.

Easy answers to your toughest questions

Working for yourself can feel like a leap into the unknown. From business guides to stories from other entrepreneurs, find solutions that save you time and money while sparking inspiration.
Dive In
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Make your finances work for you

Start Your Application

As seen on

Nearside is not a bank. Banking services are provided by LendingClub Bank, National Association, Member FDIC. The Nearside Mastercard Debit Card is issued by LendingClub Bank, National Association, Member FDIC.

  1. You will earn 1% cashback plus a 1.2% cashback bonus in 2022 (total 2.2%) by using your Nearside business debit card for purchases. You will not earn cashback rewards on purchases of cash-like instruments (money orders, gift cards, etc.), peer-to-peer payments, money transfers and other transactions that do not involve purchases of goods and services. Terms and conditions apply.
  2. Conditions Apply.  Your eligibility for a loan and the loan amount will depend on factors such as: 1) length of time as an accountholder; 2) amount of debit card and other account transactions and 3) linkage of direct deposits, POS and other sources of income.  We do not use credit scores to determine eligibility for our loans.