Franchise Finance.
Franchise Finance.
Franchise Finance.
Franchise loans, corporate charge cards, AI accounting services
Franchise loans, corporate charge cards, AI accounting services
Franchise loans, corporate charge cards, AI accounting services
100M+
Financing Projects
100+
Multi-unit operators
1.75%
Cash back cards
$249/mo
Accounting Services
100+
Multi-unit operators
100M
Financing Projects
1.75%
Cash back cards
$249/mo
Accounting Services
100+
Multi-unit operators
100M+
Financing Projects
1.75%
Cash back cards
$249/mo
Accounting Services
what we offer
Lending.
Spending.
Accounting.
Three products. One infrastructure. Built to move with your business at every stage of growth.
what we offer
Lending.
Spending.
Accounting.
Lending. Spending. Accounting.
Three products. One infrastructure. Built to move with your business at every stage of growth.
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.
Specialty Lenders
SBA
Speed to Funding
Upload Fee
Loan Max
Tech Transparency
Build-Out Loans
Acquisition Loans
Equipment Loans
Refinancing
< 3 weeks
~ 1%
Uncapped
Yes
Specialty Lenders
< 3 weeks
~ 2% +
Uncapped
No
why exponent
Built Different.
Built Different.
Exponent funds franchises in under 3 weeks with 1% upfront fees, no loan caps, and full tech-enabled transparency — see how we compare.
Speed to Funding
Upfront Fee
Loan Max
Tech-Enabled Transparency
Build-Out Loans
Acquisition Loans
Equipment Loans
Refinancing
< 3 weeks
~ 1%
Uncapped
Yes
Specialty Lenders
< 3 weeks
~ 2% +
Uncapped
No
SBA
2 – 4 months
~ 3% +
Capped at $5M
No
Speed to Funding
Upfront Fee
Loan Max
Tech-Enabled Transparency
Build-Out Loans
Acquisition Loans
Equipment Loans
Refinancing
< 3 weeks
~ 1%
Uncapped
Yes
Specialty Lenders
< 3 weeks
~ 2% +
Uncapped
No
SBA
2 – 4 months
~ 3% +
Capped at $5M
No
expense management
Built Different.
Exponent funds franchises in under 3 weeks with 1% upfront fees, no loan caps, and full tech-enabled transparency — see how we compare.
expense management
Cash flow.
No bank required.
01
1.75% cash back — all categories, all spend
Every dollar your business spends works harder. Flat rate, no rotating categories, no caps, no fine print.
02
No gimmicks — period
No FX fees. No annual fee. No per-seat fee. Just a corporate card and expense program that actually respects your margin.
03
Expense management & corporate card program
Full visibility into team spending, built-in controls, and a corporate card program that scales with your headcount — not against it.
04
See how much money you made today
Integrate your POS, payroll, and ERP in one place. Real-time P&L, no waiting for month-end close. Just the number you actually need, when you need it.
Andrew Howard
INC INvestors, INC
expense management
Cash flow.
No bank required.
01
1.75% cash back — all categories, all spend
Every dollar your business spends works harder. Flat rate, no rotating categories, no caps, no fine print.
02
No gimmicks — period
No FX fees. No annual fee. No per-seat fee. Just a corporate card and expense program that actually respects your margin.
03
Expense management & corporate card program
Full visibility into team spending, built-in controls, and a corporate card program that scales with your headcount — not against it.
04
See how much money you made today
Integrate your POS, payroll, and ERP in one place. Real-time P&L, no waiting for month-end close. Just the number you actually need, when you need it.
* [CC] is subject to credit approval and issued independently of [LNS]. [LNS] clients may qualify for expedited review based on existing account standing.
Andrew Howard
INC INvestors, INC
* [CC] is subject to credit approval and issued independently of [LNS]. [LNS] clients may qualify for expedited review based on existing account standing.
01
1.75% cash back — all categories, all spend
Every dollar your business spends works harder. Flat rate, no rotating categories, no caps, no fine print.
02
No gimmicks — period
No FX fees. No annual fee. No per-seat fee. Just a corporate card and expense program that actually respects your margin.
Andrew Howard
INC Investors, INC
03
Expense management & corporate card program
Full visibility into team spending, built-in controls, and a corporate card program that scales with your headcount — not against it.
04
See how much money you made today
Integrate your POS, payroll, and ERP in one place. Real-time P&L, no waiting for month-end close. Just the number you actually need, when you need it.
Already an [Loan] client?
Your approval odds just got better
* [CC] is subject to credit approval and issued independently of [LNS]. [LNS] clients may qualify for expedited review based on existing account standing.
expense management
Cash flow.
No bank required.
AI BOOKKEEPING
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.
@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.