Credit that works while you work
Reports to 2 business bureaus:
Dun & Bradstreet, Experian Business. Every transaction, every month.
Proven mechanics:
In an Experian study, users of the leading consumer credit-builder card gained an average of 28 FICO points in their first months. Frank brings the same mechanics to business credit.
Separates business from personal:
Stop putting Home Depot runs on your Chase Sapphire. Keep clean books, keep your personal score safe.
What you pay
Compare that to the merchant cash advance quote sitting in your inbox.
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.
Watch your business credit climb
By month 3, your Frank Business Score qualifies you for real bank-rate financing.
increase your limits as you go
Get larger credit limits as you work with Frank and watch your business grow
Build credit.
Run your business.
Limits that grow with your business.
Build business credit with every swipe.
No credit check.
Frequently asked questions
Why a deposit?
Because it means no credit check and no personal guarantee. Your money sets your starting limit, so your credit score never gets in the way. On-time payments grow your limit beyond it.
Is my money safe?
Your reservation fee is fully refundable anytime before your card ships. Your deposit stays yours and is refundable when you close in good standing.
Will this touch my personal credit?
No credit check to apply, ever. Frank reports to business bureaus, building your business profile, not touching your personal one.
When does my limit grow?
Your graduation review comes at 6 months of on-time payments. Strong history unlocks a higher limit.
What does the credit score question on the application do?
Nothing to your approval — there is no credit check. We ask so we know exactly who we're building for. For most of our founding members, that number is the reason banks said no. It's the reason we exist.