Why services firms use Frank
Last updated: august 2026
When you're hiring ahead of new clients or waiting on receivables, you can't wait two weeks for a bank to say maybe. The Frank Card gives your firm spending power from day one, backed by your deposit, so you can cover software, tools, and growth without stalling or putting your personal credit on the line.
What you can put on the card
Software and tools.
Put your subscriptions, hardware, and the systems your team runs on straight on the card, and keep your cash free.
Everyday business spend.
Travel, client work, office costs, and the expenses that pile up between invoices and payment.
Invest before you're forced to.
Upgrade systems, add seats, or open a new office on your timeline, not when cash finally allows.
Financing built for professional service
Financing built for professional service
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 build the capacity to pitch and deliver bigger engagements.
Keep business and personal separate. Stop running the firm off your personal card. Frank keeps the two apart and builds credit in the company's name.
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.
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 build the capacity to pitch and deliver bigger engagements.
Keep business and personal separate. Stop running the firm off your personal card. Frank keeps the two apart and builds credit in the company's name.
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.
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.
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.