Cash flow.
No bank required.
Know exactly what you made today. Every location, every transaction, every dollar — the moment it happens.
No annual fee
0%
FX fees
None
New EINs accepted
Always
Andrew Howard
Summit Restaurant Group, LLC
Cash flow.
No bank required.
Cash flow.
No bank required.
Know exactly what you made today. Every location, every transaction, every dollar — the moment it happens.
Know exactly what you made today. Every location, every transaction, every dollar — the moment it happens.
No annual fee
0%
FX fees
None
New EINs accepted
Always
Andrew Howard
Summit Restaurant Group, LLC
Andrew Howard
Summit Restaurant Group, LLC
No annual fee
0%
FX fees
None
New EINs accepted
Always
the card
Everything your current card isn't.
Built for operators who run multiple entities, manage real teams, and need their capital working as hard as they do.
Earn up to 3% back on every purchase
Online shopping through 50,000+ retailers, travel bookings, and everyday franchise ops like groceries, supplies, and utilities. No rotating categories, no caps. Works across every entity in your portfolio.
FLAt rate, no exceptions
Create cards easily for new EIN
Most providers treat every new EIN like a stranger — new application, new review, new wait. Exponent sees your full portfolio, so every new location gets approved fast.
New EINs. No friction →
Ready with accounting integrations
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.
Your number. Today. →
Control organizational spend
Set limits by role, require receipt uploads, and track every transaction across every location. Expense policies that actually scale with your headcount.
Spend your way →
the card
Everything your current card isn't.
Everything your current card isn't.
Built for operators who run multiple entities, manage real teams, and need their capital working as hard as they do.
Earn up to 3% back on every purchase
Online shopping through 50,000+ retailers, travel bookings, and everyday franchise ops like groceries, supplies, and utilities. No rotating categories, no caps. Works across every entity in your portfolio.
Flat rate. No exceptions →
Create cards easily for new EIN
Most providers treat every new EIN like a stranger — new application, new review, new wait. Exponent sees your full portfolio, so every new location gets approved fast.
New EINs. No friction →
Control organizational spend
Set limits by role, require receipt uploads, and track every transaction across every location. Expense policies that actually scale with your headcount.
Spend your way →
Ready with accounting integrations
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.
Your number. Today. →
Earn up to 3% back on every purchase
Online shopping through 50,000+ retailers, travel bookings, and everyday franchise ops like groceries, supplies, and utilities. No rotating categories, no caps. Works across every entity in your portfolio.
Flat rate. No exceptions →
Create cards easily for new EIN
Most providers treat every new EIN like a stranger — new application, new review, new wait. Exponent sees your full portfolio, so every new location gets approved fast.
New EINs. No friction →
Ready with accounting integrations
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.
Your number. Today. →
Control organizational spend
Set limits by role, require receipt uploads, and track every transaction across every location. Expense policies that actually scale with your headcount.
Spend your way →
the difference
Every swipe makes your entire operation smarter.
This isn't just a card. It's a data layer. We already know your loans, your entities, your structure — so every transaction feeds a system that understands your business in real time.
— Scroll
Already connected to your loans data
Most cards evaluate your business cold. Ours already knows your revenue, your entities, your loan history — so approval isn't a review, it's a confirmation.
Spend feeds your P&L instantly
No manual entry, no waiting for statements. Every charge updates your books in real time.
One card, every entity
No manual entry, no waiting for statements. Every charge updates your books in real time.
Connect your POS, HR, and inventory — and watch your P&L write itself.
AI Bookkeeping consolidates your card spend, point-of-sale revenue, HR costs, and inventory data into one place — so your books are always current, always accurate.
the system
Every swipe makes your entire operation smarter.
Every swipe makes your entire operation smarter.
This isn't just a card. It's a data layer. We already know your loans, your entities, your structure — so every transaction feeds a system that understands your business in real time.
Already connected to your loans data
Most cards evaluate your business cold. Ours already knows your revenue, your entities, your loan history — so approval isn't a review, it's a confirmation.
Already connected to your loans data
Most cards evaluate your business cold. Ours already knows your revenue, your entities, your loan history — so approval isn't a review, it's a confirmation.
Spend feeds your P&L instantly
No manual entry, no waiting for statements. Every charge updates your books in real time.
Spend feeds your P&L instantly
No manual entry, no waiting for statements. Every charge updates your books in real time.
One card, every entity
One card issues across every entity in your portfolio. Spend, limits, and visibility unified — no switching between accounts.
One card, every entity
One card issues across every entity in your portfolio. Spend, limits, and visibility unified — no switching between accounts.
Connect your POS, HR, and inventory — and watch your P&L write itself.
Connect your POS, HR, and inventory — and watch your P&L write itself.
AI Bookkeeping consolidates your card spend, point-of-sale revenue, HR costs, and inventory data into one place — so your books are always current, always accurate.
AI Bookkeeping consolidates your card spend, point-of-sale revenue, HR costs, and inventory data into one place — so your books are always current, always accurate.
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.