Franchise Finance.
Franchise Loans.
Corporate Charge Cards.
AI Accounting Services.
100+
Financing Projects
$100M+
Multi-unit Operators
1.75%
Cash back cards
$249/mo
Accounting Services
Franchise Finance.
Franchise Loans.
Corporate Charge Cards.
AI Accounting Services.
100+
Financing Projects
$100M+
Multi-unit Operators
1.75%
Cash back cards
$249/mo
Accounting Services
Franchise Finance.
Franchise Loans.
Corporate Charge Cards.
AI Accounting Services.
100+
Multi-unit operators
100M+
Financing Projects
1.75%
Cash back cards
$249/mo
Accounting Services
Lending.
Spending.
Accounting.
Three products. One infrastructure. Built to move with your business at every stage of growth.
300+
Portfolios Managed
Every entity, every asset, every cash flow — across all your locations. Our platform already knows your business before we make a decision.
3–4
Weeks to Close
Faster than SBA. Every document, every approval, every status update in one deal room — so nothing gets lost in email.
3%
Cash back— all spend
Flat rate, no rotating categories, no caps, no fine print. Every dollar your business spends works harder.
Lending. Spending. Accounting.
Three products. One infrastructure. Built to move with your business at every stage of growth.
300+
Portfolios Managed
Every entity, every asset, every cash flow — across all your locations. Our platform already knows your business before we make a decision.
3%
Cash back— all spend
Flat rate, no rotating categories, no caps, no fine print. Every dollar your business spends works harder.
3–4
Weeks to Close
Faster than SBA. Every document, every approval, every status update in one deal room — so nothing gets lost in email.
Lending. Spending. Accounting.
Three products. One infrastructure. Built to move with your business at every stage of growth.
Portfolios Managed
300+
Cash back— all spend
3%
Weeks to Close
3–4
teh deal room
One room.
Everything in it.
No email chains.
Your entire loan process lives in a single deal room — documents, status, communication, and approvals. We know what we need before we ask for it.
01
Submit once
One structured intake. No repeat requests for the same document across different people.
02
Track every step
See exactly where your application stands — intake, underwriting, approval, closing.
03
Close fast
Average 3–4 weeks from application to funded. Not 3–4 months.
The deal room
One room.
Everything in it.
No email chains.
Your entire loan process lives in a single deal room — documents, status, communication, and approvals. We know what we need before we ask for it.
01
Submit once
One structured intake. No repeat requests for the same document across different people.
02
Track every step
See exactly where your application stands — intake, underwriting, approval, closing.
03
Close fast
Average 3–4 weeks from application to funded. Not 3–4 months.
lending
One room.
Everything in it.
No email chains.
Your entire loan process lives in a single deal room — documents, status, communication, and approvals. We know what we need before we ask for it.
01
Submit once
One structured intake. No repeat requests for the same document across different people.
02
Track every step
See exactly where your application stands — intake, underwriting, approval, closing.
03
Close fast
Average 3–4 weeks from application to funded. Not 3–4 months.
Loan timelines spanning weeks. Not months.
Lending, spending, and accounting working as one — so you see every location, every dollar, in real time.
application
Apply & get funded fast.
Loan application in. Approval tracked in real time — not just pending in a queue.
within 24 hours
Card is live.
Spend is visible.
Charge card activated. Every transaction tracked immediately across all entities.
3-4 weeks
Franchise loan timeline
Loan application in. Approval tracked in real time — not just pending in a queue.
Loan timelines spanning weeks. Not months.
Lending, spending, and accounting working as one — so you see every location, every dollar, in real time.
application
Apply & get funded fast.
Loan application in. Approval tracked in real time — not just pending in a queue.
within 24 hours
Card is live. Spend is visible.
Charge card activated. Every transaction tracked immediately across all entities.
3-4 weeks
Franchise loan timeline
Upload documents in secure data rooms built for each deal, working with underwriters and attorneys directly in Exponent’s loan automation portal.
Loan timelines spanning weeks. Not months.
Lending, spending, and accounting working as one — so you see every location, every dollar, in real time.
application
Apply & get funded fast.
Loan application in. Approval tracked in real time — not just pending in a queue.
within 24 hours
Card is live.
Spend is visible.
Charge card activated. Every transaction tracked immediately across all entities.
3-4 weeks
Franchise loan timeline
Loan application in. Approval tracked in real time — not just pending in a queue.
expense management
Cash flow.
No bank required.
Andrew Howard
Summit Restaurant Group, LLC
3%
Cash back — all spend, all categories
3% Online Shopping
50,000+ retailers
2% Travel & Franchise Ops
Auto-recognized
1% Everything Else
No caps
No annual fee
0%
FX fees
None
Per-seat fee
None
New EINs accepted
Always
expense management
Cash flow.
No bank required.
Andrew Howard
Summit Restaurant Group, LLC
Charge Cards are subject to credit approval and issued independently of loans. Lending clients may qualify for expedited review based on their existing account standing.
3%
Cash back — all spend, all categories
3% Online Shopping
50,000+ retailers
2% Travel & Franchise Ops
Auto-recognized
1% Everything Else
No caps
No annual fee
0%
FX fees
None
Per-seat fee
None
New EINs accepted
Always
3%
Cash back — all spend, all categories
3% Online Shopping
50,000+ retailers
2% Travel & Franchise Ops
Auto-recognized
1% Everything Else
No caps
No annual fee
0%
FX fees
None
Per-seat fee
None
New EINs accepted
Always
Charge Cards are subject to credit approval and issued independently of loans. Lending clients may qualify for expedited review based on their existing account standing.
3%
Cash back — all spend, all categories
3% Online Shopping
50,000+ retailers
2% Travel & Franchise Ops
Auto-recognized
1% Everything Else
No caps
No annual fee
0%
FX fees
None
Per-seat fee
None
New EINs accepted
Always
Andrew Howard
Summit Restaurant Group, LLC
Already an [Loan] client?
Your approval odds just got better
Charge Cards are subject to credit approval and issued independently of loans. Lending clients may qualify for expedited review based on their existing account standing.
expense management
Cash flow.
No bank required.
AI Bookkeeping.
Month-end is already closed.
AI Bookkeeping.
Month-end is already closed.
AI Bookkeeping.
Month-end is already closed.
We built an AI layer on top of everything loans and charge cards already know about your business. The result: a financial operating system that doesn't wait for month-end — it works while you do.
We built an AI layer on top of everything loans and charge cards already know about your business. The result: a financial operating system that doesn't wait for month-end — it works while you do.
We built an AI layer on top of everything loans and charge cards already know about your business. The result: a financial operating system that doesn't wait for month-end — it works while you do.
Lending. Spending. Accounting.
Lending. Spending. Accounting.
Lending. Spending. Accounting.
@2026 All Rights Reserved.
Legal Disclaimer: All loan applications are subject to credit approval and underwriting guidelines. Terms and conditions may vary based on creditworthiness and business qualifications. This is not an offer to lend. Rates, terms, and conditions are subject to change without notice. SBA Disclaimer: SBA loans are subject to SBA approval and government regulations. Interest rates are variable and subject to change. Business experience requirements may apply. Regulatory Information: Licensed lender in all 50 states. Equal Housing Opportunity Lender. For more information about our lending practices, please contact our compliance department. Exponent Charge Cards are issued by Cross River Bank, Member FDIC. Exponent partners with Stripe Payments Company for money transmission services and account services with funds held at Fifth Third Bank N.A., Member FDIC.
@2026 All Rights Reserved.
Legal Disclaimer: All loan applications are subject to credit approval and underwriting guidelines. Terms and conditions may vary based on creditworthiness and business qualifications. This is not an offer to lend. Rates, terms, and conditions are subject to change without notice. SBA Disclaimer: SBA loans are subject to SBA approval and government regulations. Interest rates are variable and subject to change. Business experience requirements may apply. Regulatory Information: Licensed lender in all 50 states. Equal Housing Opportunity Lender. For more information about our lending practices, please contact our compliance department. Exponent Charge Cards are issued by Cross River Bank, Member FDIC. Exponent partners with Stripe Payments Company for money transmission services and account services with funds held at Fifth Third Bank N.A., Member FDIC.
@2026 All Rights Reserved.
Legal Disclaimer: All loan applications are subject to credit approval and underwriting guidelines. Terms and conditions may vary based on creditworthiness and business qualifications. This is not an offer to lend. Rates, terms, and conditions are subject to change without notice. SBA Disclaimer: SBA loans are subject to SBA approval and government regulations. Interest rates are variable and subject to change. Business experience requirements may apply. Regulatory Information: Licensed lender in all 50 states. Equal Housing Opportunity Lender. For more information about our lending practices, please contact our compliance department. Exponent Charge Cards are issued by Cross River Bank, Member FDIC. Exponent partners with Stripe Payments Company for money transmission services and account services with funds held at Fifth Third Bank N.A., Member FDIC.