You've got footfall swings, seasonal peaks, and thin margins that leave cash tight exactly when you need to invest. The Frank Card gives your business spending power that fits how you actually work, so you can stock up, fit out, and staff up without draining your reserves or putting your personal credit on the line.

What you can put on the card

Inventory and stock. Buy ahead of peak season and negotiate better supplier terms instead of scrambling when demand hits.

Fit-out and renovation. Refresh your space, add covers, or open a second location using spending power that grows with your business, not a rigid bank formula.

Smooth the seasonal dips. Keep staff paid and the lights on through the quiet months, then pay it back when footfall returns.

No credit check. No catch.

Frank is built for the retail and hospitality owners banks pass over. Your deposit sets your limit, your limit grows as you use the card, and every purchase builds credit in your business's name. No personal FICO check, no personal guarantee, no fine print.