The business account that helps small business grow.

Your own business credit card after 3 months. No personal guarantee, no FICO check.

Your own AI sales team: AI that finds and closes more work for your business, automatically.

Your own AI back office: AI that runs your books, accounts and tax. Current, categorised, filing-ready.

Join the waitlistNothing to sign, no credit pulled.

Frank

Sign upRun it by textMonth 3: credit

First 500 businesses

Free for your first year.

Make Frank your primary business account and if you’re one of the first 500 to sign up, you get all of it — the card, the sales AI and the automated back office — free for twelve months.

Claim a place

Finally, a bank that helps you make more money.

One bank account that funds the business, brings in the work and handles all the paperwork.

A credit card after three months

Run your business through Frank for three months and that’s the credit check. We look at how the business actually operates, not at your personal score.

No FICO check

No personal guarantee

A limit that grows as you do

Builds business credit

AI that finds and closes more work

Most jobs are lost to a slow quote and a follow-up nobody sent. Frank writes the estimate, sends it, and chases it until you get an answer.

Quotes out the same day

Follow-ups that actually happen

Invoices chased until they’re paid

Nothing falls through

AI that runs the back office

Every transaction categorised the moment it lands. Your accounting stays current and your return is ready at year end — without you touching a receipt.

Bookkeeping, automatically

Accounts always current

Filing-ready at year end

Your accountant will thank you

It’s 9:47pm. Mike should be home.

Instead he’s at the kitchen table. Five-person plumbing crew, three unpaid invoices, a quote nobody answered, and a payroll on Friday he’s not sure he can cover. Every owner knows this night.

So he texts Frank. Then he goes to bed.

9:48pmChased
Frank follows up with the three customers who owe Mike $11,750. Polite, persistent, in his voice, so Mike doesn’t have to.
11:15pmReconciled
212 transactions matched and categorised. October’s books are closed before Mike has brushed his teeth.
2:30amSpotted
If Henderson pays late, Friday’s payroll comes up $3,400 short. Frank flags the gap days before it bites, and plans around it.
6:05amFunded
Henderson pays. The Parker job needs $9,000 in copper and fixtures. Frank lines up the capital, so Mike can say yes.
7:00am
Mike wakes up to one text.

Frank · 7:00am

Morning Mike. Henderson paid. Books are closed for the month. Friday’s payroll is covered. The Parker job is funded. Go fix some pipes.

Legend.

Other apps tell you what to do. Frank does it.

Not advice, not a dashboard of to-dos. Frank’s agents carry out the financial work themselves, right on the ledger.

Today it’s Mike’s evenings. Tomorrow, the whole business.

Over time, Frank’s agents learn to manage the entire financial life of your business.

PaymentsAccountingReceivablesCreditInsuranceAnd more

Runs by text

Run your finances like you run your business, via text.

It answers, it does it, and it files it correctly. Nothing to learn, nothing to log into.

No appNo dashboardNo loginAny phone

Frank

Your quote to the Parkers had been sitting 3 days, so I sent a nudge. They want to book Thursday. I checked your diary and booked them in at 2pm.

You

Great

You

Heads up, I think the job will be about $12,000. I’m going to start looking for materials.

Frank

I’ve issued you $25,000 for the Parker job. It’ll cost $30 a week, and I’m happy to roll it back.

You

Thanks Frank

It has to be your primary account.

That’s the only requirement, so here’s the honest reasoning behind it.

The bookkeeping only works if Frank sees everything. If half your money moves through another account, we’re guessing — and you’re back to entering receipts yourself.

The sales side only works if the money lands where Frank can see it. That’s how a paid invoice closes itself instead of becoming another thing on your list.

And the credit only works if we can see how the business actually runs. Not your FICO score — three months of real revenue, real receivables and real cash flow. It’s the only reason we can say yes where a bank says no.

You give us the full picture. We do the work, bring in the work, and extend the credit.

For you if

You run a trades or services business, you’re owed money you’re tired of chasing, your books are behind, and you’ve been judged on your personal credit score for a business decision.

Not for you if

You need to keep your current banking relationship, or you want something alongside your existing account. This only works as your main one.

Join the waitlist

First 500 get a year free.

Nothing to sign. No credit pulled. Takes about twenty seconds.

This is a waitlist. When we open, your place is held and you’re first in line, only if you want it. Nothing to sign and no commitment until then.

Step 1 of 2

Claim your place

We’ll email you the moment it’s ready.

First nameEmailBusiness name

No spam, and we won’t share your details. The first-year offer applies to the first 500 businesses that open a Frank account as their primary business account.

Questions

The things people ask.

What’s the catch with the first-year offer?

None, beyond the requirement itself. Frank has to be your primary business account — that’s what makes the product work at all. The first 500 businesses to open one get the card, the sales AI and the automated back office free for twelve months.

Do you check my personal credit?

No FICO check for the card, and no personal guarantee. We may check business credit. The decision is based on three months of how your business actually operates.

When will it be available?

We’re building it now and talking to operators to get it right. The waitlist comes first — we’d rather ship something that works for your business than something that demos well.

Who holds the money?

The account is provided through a partner bank. We’ll name them when we launch. Frank is not a bank.

Does it work on Android?

Yes. It’s text, so it works on any phone.

Do I really have to switch everything over?

Yes, and that’s the honest answer. It’s also the reason the product can do what it does. We’ll help you move direct deposits, auto-pays and payroll across.

What happens to my accountant?

They get cleaner books than they’ve ever had from you. Frank handles the day-to-day categorising; your accountant handles the judgment calls and the filing.

What happens after the first year?

You move onto standard pricing, which we’ll publish well before anyone reaches it. No auto-escalation and no surprise, and you can leave whenever you want.