One connected money story
See how collected income relates to operating needs, planned reserves, owner pay, and eligible spending instead of reconstructing that story across separate tools.
Cohera Flow features
Business money management built around the full flow.
Cohera connects payment collection, money organization, owner-pay planning, and eligible commercial spending in one mobile workspace for independent businesses.
Explore
Choose the workflow you want to understand.
Get paid
Payment links
Create a provider-backed way for a client or customer to pay and keep the resulting activity connected to your workflow.
Learn more Plan aheadTax reserve planning
Give part of incoming business income an estimated-tax purpose before it blends into operating cash.
Learn more Build consistencyOwner-pay scheduling
Turn irregular customer income into a clearer, repeatable plan for paying yourself.
Learn more Spend deliberatelyBusiness spending controls
Manage eligible commercial-card access and controls beside the workflow that explains what the money is for.
Learn moreWhy it matters
A workflow designed to keep business intent visible.
Rules with an audit trail
Use ledger buckets, allocation rules, schedules, and provider-reported activity to make the intended next step easier to understand.
Built for independent income
Create a repeatable operating rhythm even when client payments arrive in different amounts and on different dates.
Move from “money received” to “money understood.”
A bank balance can tell you what is present, but it does not automatically explain which dollars are intended for taxes, operating costs, savings, or owner pay. Cohera adds a workflow layer around that decision.
Incoming activity can remain connected to internal ledger categories and scheduled actions, so the plan does not disappear after a payment settles. Cohera buckets are organizational records, not separate bank accounts, and provider records remain authoritative for regulated balances and transactions.
Keep provider-backed activity and internal planning distinct.
Cohera is financial technology, not a bank. Eligible payment processing, Financial Account, money-transmission, and commercial-card capabilities depend on Stripe, participating financial institutions, program approval, and applicable terms.
That separation matters: Cohera can organize the workflow and show provider activity without implying that every internal category is a deposit account or that every feature is active for every business.
Frequently asked questions
What businesses should know.
What kind of business is Cohera Flow designed for?
Cohera is designed for eligible U.S. independent businesses and sole proprietors, including contractors, creators, consultants, and other owner-operated businesses with variable income.
Does Cohera replace a business bank account?
No. Cohera is a workflow platform, not a bank. Any eligible Financial Account or regulated money-movement service is provider-backed and subject to separate approval and terms.
Are all listed features immediately available?
No. Availability depends on configuration, location, business eligibility, provider approval, enabled capabilities, and acceptance of applicable agreements.
Start your flow
Give every part of your business money a clear next step.
Create a Cohera account to bring collection, organization, planning, and eligible spending into one coherent workflow.