Franchise Finance.
Franchise Loans. Corporate Charge Cards. AI Accounting Services.
Franchise Finance.
Franchise Loans. Corporate Charge Cards. AI Accounting Services.
Franchise Finance.
Franchise Loans. Corporate Charge Cards. AI Accounting Services.
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.
01
Track every step
See exactly where your application stands — intake, underwriting, approval, closing.
01
Close fast
Average 3–4 weeks from application to funded. Not 3–4 months.
We don’t underwrite brands.
We underwrite operators.
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.
Charge Card
Cash flow. No bank required.
Earn up to 3%
3% Online Shopping
50,000+ retailers
2% Travel & Franchise Operations
Auto-recognized
1% Everything Else
No caps
No annual fee
0%
FX fees
0%
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.
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.
We don’t underwrite brands.
We underwrite operators.
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.
Charge Card.
Cash flow. No bank required.
Earn up to 3%
3% Online Shopping
50,000+ retailers
2% Travel & Franchise Operations
Auto-recognized
1% Everything Else
No cap
No annual fee
0%
FX fees
0%
Per-seat fee
None
New EINs accepted
Yes
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.
Banks see a credit score.
We see your whole operation.
Flexible capital. Transparent process. Funding in weeks.
Speed to funding
Upfront Fee
Loan Max
Tech enable
Transparency
Build-Out Loans
Acquisition Loans
Equipment Loans
Refinancing
< 3 weeks
~ 1%
Yes
Uncapped
Specialty Lenders
~ 2% +
Uncapped
No
< 3 weeks
SBA
~ 3% +
Capped at $5M
No
2 - 4 months
Banks see a credit score.
We see your whole operation.
Flexible capital. Transparent process. Funding in weeks.
Speed to funding
Upfront Fee
Loan Max
Tech enable 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
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.
We don’t underwrite brands.
We underwrite operators.
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.
Charge Card
Cash flow. No bank required.
3% Online Shopping
50,000+ retailers
2% Travel & Franchise Operations
Auto-recognized
1% Everything Else
No caps
No annual fee
0%
FX fees
0%
Per-seat fee
None
New EINs accepted
Always
Earn up to 3%
Banks see a credit score.
We see your whole operation.
Flexible capital. Transparent process. Funding in weeks.
Specialty Lenders
SBA
Speed to Funding
Upload Fee
Loan Max
Tech enable Transparency
Build-Out Loans
Acquisition Loans
Equipment Loans
Refinancing
< 3 weeks
~ 1%
Uncapped
Yes
Specialty Lenders
< 3 weeks
~ 2% +
Uncapped
No
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.
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.
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.
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.
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.
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.