Meet the Frank team

Frank started with a simple observation: the businesses that keep our economies running often have the hardest time accessing the credit they need to grow. Small and medium-sized businesses create jobs, build communities, and power entire industries.

But when it comes to getting a business credit card, the deck is stacked against them. Banks look at personal FICO scores and tax returns, then ask owners to put their family home on the line as collateral. Too many are rejected outright; the ones who aren't get pushed onto personal cards and expensive short-term capital that never builds anything of their own.

These businesses run on momentum. And yet the system treats a thin credit file like a closed door, forcing owners to fund their business on personal credit because the institutions that are supposed to back them simply won't. We fundamentally believe that's wrong, so we built Frank.

Before starting Frank, Todd and William spent years building digital products and technology platforms at leading global organizations and high-growth startups. Along the way we worked with companies like HSBC, Google, Bain & Company, and a number of venture-backed technology firms, helping design and build products used by millions of people.

Across those experiences, one thing became clear: financial infrastructure hasn't kept pace with the businesses it's meant to serve.

While technology has transformed almost every other part of running a company, building business credit still depends on outdated scores, personal guarantees, and years of waiting. Frank was created to change that.

Our goal is simple:

Give every business the credit card it deserves, and the business credit to stand on its own.