Smart Corporate Charge Card

Reports to D&B, Equifax Small Business & Experian Commercial

This is the #1 corporate charge card & expense management platform for small business owners. With this card, you can build your business credit while paying for business expenses.

This corporate charge card's approval requirements are much easier to meet among all other corporate charge cards. There is no minimum revenue requirements, however your company should be in operation with monthly spending before applying.

Requirements:

  • EIN Number
  • Business bank account
  • Dun & Bradstreet report is checked
  • You can do a personal guarantee, cross corporate guarantee or cash deposit if your D&B report is nonexistent or unfavorable.

Business Credit:

  • Reports to D&B, Equifax Business & Experian Commercial via SBFE

To apply go to=> http://smartcorporatecard.com

Step 1: Complete the form to schedule a demo

Step 2: After the demo, complete the corporate credit application

  • 1

    No Personal Guarantor

    What is a personal guarantee? A personal guarantee is a written promise from a business owner guaranteeing that payment will be made in the event that the business fails to pay.
    Whether the business enters into a lease, applies for a business loan or line of credit, you’ll find that many creditors will require a personal guarantee to secure financing especially if you’re a small business.
    Corporate charge cards have certain revenue requirements that is large enough and profitable enough that no personal guarantor is required.

  • 2

    Obtaining a Corporate Card

    Obtaining a corporate credit card account for your business will often require a conversation with a corporate account manager. Be prepared to provide data and documents about your company's financials, including revenue statements and bank account information prior to applying.

  • 3

    Waivable Personal Guarantee Requirements

    In some cases, you don't need to meet million dollar+ revenue requirements to obtain a corporate charge card. A small number of charge cards such as the Smart Corporate Card, Brex & Ramp (listed here) have much lower dollar amounts.
    There are also retail co-branded business credit cards that offer the option to waive the pg requirement such as the Sam Club Business Credit Card.