Credit that works while you work
Reports to all 3 business bureaus:
Dun & Bradstreet, Experian Business, Equifax Business. Every transaction, every month.
Average 47-point lift in 90 days:
Customers who use the Frank Card see their Business Score climb from "no profile" to "fundable" in three months.
Separates business from personal:
Stop putting Home Depot runs on your Chase Sapphire. Keep clean books, keep your personal score safe.
Everything your business needs.
None of what banks make you put up with.
Build business credit fast
Every swipe builds your business credit score with all 3 bureaus. Most Frank customers see a credit profile worth funding in 90 days.
3% on parts, fuel, supplies
Cash back where Main Street actually spends: Ferguson, Watsco, NAPA, Shell, Home Depot. Not SaaS and ad spend.
Apply in 4 minutes
Connect your business bank account, answer 5 questions, get approved instantly. Card in hand in 5 business days
Connects to lending
Your Frank Card spending feeds into the Frank lending engine. When you need equipment financing or a working capital line, it's pre-approved based on your real performance.
Job-coded spend controls
Issue cards for every crew member, every truck, every job. Every swipe auto-coded to the right project. No more receipts at the kitchen table.
No annual fee. No PG on $50K+ spend.
Real business credit, separated from your personal credit. The card most banks reserve for $5M+ revenue, available from day one.
Zero to Credit in four steps
Apply in 4 min
Connect your business bank account, answer 5 questions. Instant decision.
Card arrives in 5 days
Plus virtual card you can use immediately for online supplier purchases.
Spend & earn cash back
3% on parts, fuel, supplies. 1.5% on everything else. Auto-coded to jobs.
Watch your business credit climb
By month 3, your Frank Business Score qualifies you for real bank-rate financing.