How Breakwater Supply saves 8+ hours per month on business banking

Meet Josh

When the pandemic hit in early 2020, Josh Lipinski wanted to use his 15 years’ worth of technical skills and branding chops to create something useful for people. As an outdoor enthusiast with an eye for soft goods, he capitalized on social distancing and designed a 100% waterproof backpack for hiking, camping, kayaking, and everyday use.

By fall of 2020, Josh had registered his business and received nearly 30 samples from manufacturers before he was ready to launch his original Kickstarter campaign. After the project failed to reach its funding goal, Josh worked to upgrade his marketing materials—including better quality photo and video assets—and tried a second round in 2022, which received nearly 15x its funding goal.

Once Breakwater Supply brought a production partner on board to handle sourcing, warehousing, and distribution, Josh had some new challenges to tackle: banking and accounting.

Bluevine feels like a champion for small business, while other platforms seem like they’re catering to big biz.”

– Josh L., Founder of Breakwater Supply

The problem

“I knew I needed to keep business and personal finances separate, so at first we used a different fintech for our business checking account,” Josh recalls. “But their platform missed some syncs with Wave, and the user interface wasn’t great.”

After a quick online search, Josh found Bluevine, which came highly recommended by fellow small business owners. As the largest small business banking platform in the U.S.,^BVSUP-00186 Bluevine serves as a comprehensive financial hub for Breakwater Supply, offering:

• Seamless international payments^BVSUP-00144
• Automatic payment scheduling
• Convenient syncs with accounting software

“We wanted a reliable business banking platform with features and integrations that actually work. For us, Bluevine is critical to keep things moving.”

The solution

“I started using Bluevine as a place to pay credit card balances and for disbursements.” Josh continues, “Now, Bluevine Business Checking is my primary operating account, where all my money comes in and where I make all my outgoing payments, especially internationally.”

Did you know?

With Bluevine, you can send and receive global payments in as fast as 24 hours.

“Bluevine makes sending international payments easier than any other platform.”

But simple cross-border payments aren’t the only thing that’s impressed Josh. In fact, he estimates that Bluevine saves him close to 8 hours every month—that’s a full day of work.^BVSUP-00187

“The ability to see all my transactions in one place, being able to track payments, and the seamless accounting integration… Bluevine lets you have a finger on the pulse of everything going on financially with your business.”

Switching your business bank account

Making a change to your checking account can feel daunting, especially when you have so many other tasks to juggle as a small business owner. But it doesn’t need to be a complicated process.

“Bluevine makes it so easy and seamless to open an account,” Josh says confidently. “Onboarding was simple and straightforward—I did it all on my own.”

For more insights and tips, check out our helpful guide for switching your business bank account.

Josh adds, “Choosing Bluevine was basically a no-risk process, which was one of the best things about it.”

Josh Lipinski is the Founder of Breakwater Supply, a New England–based outdoor company that crafts high-quality waterproof backpacks, shoes, accessories, and more. At the heart of everything they do, Breakwater Supply prioritizes making unique, durable, and affordable products while minimizing its environmental footprint.