--- title: "How Downtime Vacation Rentals Uses Topkey to Automate Financial Management" description: "When Brady Birkel started a vacation-rental management company, financial automation enabled him to stay on top of his finances and focus on his customers." canonical: "https://topkey.io/blog/how-downtime-vacation-rentals-uses-topkey-to-automate-financial-management" language: "en" --- [Blog](https://topkey.io/blog) # How Downtime Vacation Rentals Uses Topkey to Automate Financial Management March 12, 2025 In the article "[Hosting Top-Notch Getaways with Embedded Finance](https://www.unit.co/blog/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.](https://www.unit.co/blog/hosting-top-notch-getaways-with-embedded-finance) \--- *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.* ## See the Topkey difference. ## Disclosures \*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 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. Accounts are eligible for pass-through deposit insurance only to the extent pass-through insurance is permitted by the rules and regulations of the FDIC, and if the requirements for pass-through insurance are satisfied. There may be a risk that pass-through deposit insurance is not available because conditions have not been satisfied. In such cases, funds may not be fully insured in the event the insured depository institution where the funds have been deposited were to fail. \*\*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. 1 | The interest rate on the High Yield Deposit Account will be 2.93% with an Annual Percentage Yield (APY) of 2.97%. The interest rate on the Regular Deposit Account will be 1.52% with an Annual Percentage Yield (APY) of 1.53%. These rates are effective as of 9/17/26. These are variable rates and are subject to change after the accounts are opened based on the Federal Funds Rate. Minimum opening deposit and average balance requirements may apply. Fees could affect earnings on the account. Topkey does not provide tax, legal, or accounting services. All information on this site is for educational purposes only.