Last updated: august 2026
Our mission
Our mission
86% of US small businesses are turned away by big banks before they even apply. The ones who get through are handed personal cards and loans backed by their family home.
We exist to level the playing field.
86% of US small businesses are turned away by big banks before they even apply. The ones who get through are handed personal cards and loans backed by their family home.
We exist to level the playing field.
How Frank is different
How Frank is different
The old system asks small businesses to prove themselves with personal scores, personal guarantees, and their family home as collateral.
Frank is built on the opposite belief: that a business should stand on its own. Everything we make helps owners build credit, independence, and a financial foundation that's truly theirs.
The old system asks small businesses to prove themselves with personal scores, personal guarantees, and their family home as collateral.
Frank is built on the opposite belief: that a business should stand on its own. Everything we make helps owners build credit, independence, and a financial foundation that's truly theirs.
Why we built Frank
Why we built Frank
We ran our own businesses and watched bank support get harder, slower, and more expensive every year.
Frank is the company we wished existed back then. We're here to build the financial infrastructure Main Street deserves, so the businesses building the future aren't held back by the systems of the past.
We ran our own businesses and watched bank support get harder, slower, and more expensive every year.
Frank is the company we wished existed back then. We're here to build the financial infrastructure Main Street deserves, so the businesses building the future aren't held back by the systems of the past.
Built for the builders of our economy.
We work with HVAC contractors, plumbers, electricians, GCs, and a growing list of other small businesses where cash flow doesn't match billing cycles.
If you run a small business and you've ever been told you don't have enough assets then let's talk:
Built for the builders of our economy.
We work with HVAC contractors, plumbers, electricians, GCs, and a growing list of other small businesses where cash flow doesn't match billing cycles.
If you run a small business and you've ever been told you don't have enough assets then let's talk:
Built for the builders of our economy.
We work with HVAC contractors, plumbers, electricians, GCs, and a growing list of other small businesses where cash flow doesn't match billing cycles.
If you run a small business and you've ever been told you don't have enough assets then let's talk:
What we stand for
Honesty.
We tell you exactly what your card does, what it costs, and what it doesn't. No fine print, no surprise fees. If Frank isn't the right fit for where your business is today, we'll say so, so you can make smarter choices.
Transparency.
One clear monthly price. No interest games, no factor rates, no fees buried where you won't find them. You see every number before you sign, and your data stays yours. We never sell it.
Speed.
Business moves fast, and the tools you run on should too. Apply in minutes, get a virtual card the same day and a physical card within days. No waiting weeks for a bank to decide whether you're worth backing.
Automation.
The old way means paperwork, personal guarantees, and months of waiting just to get started. We've automated the busywork behind building credit, so you stay focused on running your business.
"Three banks turned me down over my personal credit. Frank looked at my business instead. Six months in, my limit's grown and my company has credit in its own name."
Marcus Reyes, Owner, Reyes Heating & Air
We're ready when you are.
Talk to a Frank advisor and we'll help you get set up
Monday - Sunday - 8am to 10pm ET - (628) 363-1380
Let's talk
Helping small businesses grow
Phone: (628) 363-1380
Email: hello@talktofrank.ai
© Frank 2026
Frank is a financial technology company, not a bank. The Frank Card is a deposit-secured business credit card currently in development; access is by waitlist and subject to eligibility and approval. Banking services will be provided by a partner bank; details, rates, and terms will be disclosed prior to launch. Frank Card is for business use only. Headquartered in New York, NY. Frank is not affiliated with Talk to Frank, the UK drugs advice service.
"Three banks turned me down over my personal credit. Frank looked at my business instead. Six months in, my limit's grown and my company has credit in its own name."
Marcus Reyes, Owner, Reyes Heating & Air
We're ready when you are.
Talk to a Frank advisor and we'll help you get set up
Monday - Sunday - 8am to 10pm ET - (628) 363-1380
Let's talk
Helping small businesses grow
Phone: (628) 363-1380
Email: hello@talktofrank.ai
© Frank 2026
Frank arranges funding on behalf of business owners by connecting them with lenders from our panel. Frank earns a fee from the lender upon successful funding. Frank does not charge fees to business owners.
Credit decisions are subject to lender criteria and approval. Funding timelines are indicative and may vary. Frank is a US-based small business lending platform. Headquartered in New York City, New York.
Frank is not affiliated with Talk to Frank, the UK drugs advice service.
Compare to Ondeck. Compare to Lendio Compare to Bluevine. Compare to Fundbox. Compare to FundingCircle. Compare to Biz2credit.
"Three banks turned me down over my personal credit. Frank looked at my business instead. Six months in, my limit's grown and my company has credit in its own name."
Marcus Reyes, Owner, Reyes Heating & Air
We're ready when you are.
Talk to a Frank advisor and we'll help you get set up
Monday - Sunday - 8am to 10pm ET - (628) 363-1380
Let's talk
Helping small businesses grow
Phone: (628) 363-1380
Email: hello@talktofrank.ai
© Frank 2026
Frank arranges funding on behalf of business owners by connecting them with lenders from our panel. Frank earns a fee from the lender upon successful funding. Frank does not charge fees to business owners.
Credit decisions are subject to lender criteria and approval. Funding timelines are indicative and may vary. Frank is a US-based small business lending platform. Headquartered in New York City, New York.
Frank is not affiliated with Talk to Frank, the UK drugs advice service.
Compare to Ondeck. Compare to Lendio Compare to Bluevine. Compare to Fundbox. Compare to FundingCircle. Compare to Biz2credit.