How Downtime Vacation Rentals Uses Topkey to Automate Financial Management

In the article "Hosting Top-Notch Getaways with Embedded Finance," Brady Birkel, founder of Downtime Vacation Rentals in Santa Rosa Beach, Florida, shares how adopting embedded finance solutions transformed his rapidly growing vacation rental business. By utilizing Topkey—a financial management platform integrated with banking services through Thread Bank—Birkel streamlined complex financial tasks such as expense tracking, vendor payments, and tax preparation for each of his eleven luxury properties. This integration allowed for the creation of dedicated bank accounts per property, real-time expense tagging via charge cards, and centralized financial oversight. As a result, Birkel's team could focus more on delivering exceptional guest experiences, leading to a tripling of their managed properties within a year. The article underscores how embedded finance empowers small businesses to scale efficiently while maintaining high service standards.

To read the full article, click here.

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Topkey is a financial technology company and is not an FDIC-insured bank. Banking services provided by Thread Bank, Member FDIC. FDIC Insurance available for funds on deposit through Thread Bank, Member FDIC. FDIC deposit insurance covers the failure of an insured bank. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply. The Topkey Visa debit card is issued by Thread Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used anywhere Visa (or Mastercard) cards are accepted. The Topkey Visa charge card is issued by Thread Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used anywhere Visa cards are accepted.

Your deposits qualify for up to $3,000,000 in FDIC insurance coverage when Thread Bank places them at program banks in its deposit sweep program.  Your deposits at each program bank become eligible for FDIC insurance up to $250,000, inclusive of any other deposits you may already hold at the bank in the same ownership capacity. You can access the terms and conditions of the sweep program at https://thread.bank/sweep-disclosure/ and a list of program banks at https://thread.bank/program-banks/. Please contact customerservice@thread.bank with questions on the sweep program. Pass-through insurance coverage is subject to conditions.