Financial workflow for independent business

Your business money, in one coherent flow.

Cohera helps independent businesses accept payments, organize income for taxes and operations, pay themselves on a schedule, and manage business spending from one mobile workspace.

Create your Cohera account Log in

Accept payments Organize every dollar Schedule owner pay Control business spending

Cohera commercial Mastercard Business spending, connected to your flow.

Cohera Flow is a financial technology platform, not a bank or money transmitter. Payment processing is provided by Stripe. For eligible Financial Accounts, Cohera Flow partners with Stripe Payments Company for money transmission services and account services with funds held at Fifth Third Bank, N.A., Member FDIC. Eligibility, provider approval, and applicable terms apply.

From paid to planned

Know where your money is—and what it needs to do next.

Cohera connects the steps that usually live in separate apps, spreadsheets, and bank tabs. Income comes in, gets organized, moves on your schedule, and stays visible all the way through.

Get paid with payment links

Collect client and customer payments through payment links, card payments, and supported in-person flows.

Give every dollar a job

Separate income into owner pay, taxes, operating money, savings, and other priorities with a clear ledger trail.

Build your owner-pay rhythm

Turn irregular business income into a repeatable owner-pay schedule while keeping routing and payout activity organized.

Spend with business controls

Manage eligible Cohera commercial card access and spending controls from the same workspace that tracks your flow.

Built around real independent income

Your income may be irregular. Your system should not be.

Cohera is designed for contractors, creators, consultants, and owner-operated businesses that need more than a balance. It gives incoming money a structure—so taxes, operating costs, owner pay, and spending stay connected instead of becoming separate chores.

One clear workspace

See collection, allocation, payout, and card activity without rebuilding the story across disconnected tools.

Money with intention

Plan for taxes and operations before available cash quietly becomes spendable cash.

A repeatable pay rhythm

Create a more predictable way to pay yourself, even when customer income arrives on different schedules.

Explore Cohera

Find the right path through Cohera.

Explore the product by business need, learn the money-management framework, or get direct answers about provider-backed services and product eligibility.

Start your flow

Make business money easier to understand and act on.

Create your Cohera account and bring payments, money organization, owner pay, and spending control into one coherent system.