Why health and wellness pros use Frank

Last updated: august 2026

When you're adding treatment rooms or investing in new equipment, you can't wait two weeks for a bank to say maybe. The Frank Card gives your practice spending power from day one, backed by your deposit, so you can cover supplies, equipment, and fit-out without stalling growth or putting your personal credit on the line.

What you can put on the card

Supplies and equipment. Put treatment supplies, smaller equipment, and everyday practice costs on the card and keep your reserves intact.

Fit-out and expansion. Add rooms, refresh your space, or open a second location using spending power that grows with your practice.

Bridge the reimbursement gap. Cover payroll and supplies while you wait on insurance and patient payments to come through.

Financing built for health and wellness

Financing built for health and wellness

See more clients. Put the equipment, supplies, and staffing behind more appointments on the card, without draining the cash you need to run day to day.

Spending power that grows with you. Your deposit sets your starting limit, and it grows as you use the card and pay on time, so you can invest in new treatments and technology that keep clients coming back.

Build credit in your business's name. Every purchase reports to business bureaus, so you build a credit profile that stands on its own, separate from your personal credit.

See more clients. Put the equipment, supplies, and staffing behind more appointments on the card, without draining the cash you need to run day to day.

Spending power that grows with you. Your deposit sets your starting limit, and it grows as you use the card and pay on time, so you can invest in new treatments and technology that keep clients coming back.

Build credit in your business's name. Every purchase reports to business bureaus, so you build a credit profile that stands on its own, separate from your personal credit.

HVAC business owner installing aircon
HVAC business owner installing aircon
HVAC business owner installing aircon
HVAC business owner installing aircon

How Frank works

How Frank works

Apply in minutes. A few quick questions and your business bank account. About 4 minutes, no paperwork pile, no credit check.

  • Set your deposit. Your deposit sets your starting limit. Your virtual card is ready right away, and your physical card arrives in about 5 days.

  • Spend and build. Use the card for parts, fuel, and payroll, pay in full each cycle, and watch your limit and your business credit grow.

Apply in minutes. A few quick questions and your business bank account. About 4 minutes, no paperwork pile, no credit check.

  • Set your deposit. Your deposit sets your starting limit. Your virtual card is ready right away, and your physical card arrives in about 5 days.

  • Spend and build. Use the card for parts, fuel, and payroll, pay in full each cycle, and watch your limit and your business credit grow.

"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.


Cashback T&Cs


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.


Cashback T&Cs


Compare to Ondeck. Compare to Lendio Compare to Bluevine. Compare to Fundbox. Compare to FundingCircle. Compare to Biz2credit.