IN PARTNERSHIP WITH
Paymore franchise operators can now access fast and flexible funding—built to remove the friction that comes with traditional lenders.
IN PARTNERSHIP WITH
Nothing Bundt Cakes franchise operators can now access fast and flexible funding—built to remove the friction that comes with traditional lenders.
Nothing Bundt Cakes franchise operators can now access fast and flexible funding—built to remove the friction that comes with traditional lenders.
We don’t underwrite brands.
We underwrite operators.
Everything a franchise operator needs to grow. Fast, transparent lending. Charge cards that earn. AI bookkeeping that works in real time — not at month-end. Built to work individually, or as one connected system.
Application
Apply & get funded
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.
We don’t underwrite brands.
We don’t underwrite brands.
We underwrite operators.
We underwrite operators.
Everything a franchise operator needs to grow. Fast, transparent lending. Charge cards that earn. AI bookkeeping that works in real time — not at month-end. Built to work individually, or as one connected system.
Everything a franchise operator needs to grow. Fast, transparent lending. Charge cards that earn. AI bookkeeping that works in real time — not at month-end. Built to work individually, or as one connected system.
Application
Apply & get funded
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.
Application
Apply & get funded
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.
Banks see a credit score.
Banks see a credit score.
Banks see a credit score.
We see your whole operation.
We see your whole operation.
We see your whole operation.
Flexible capital. Transparent process. Funding in weeks.
Flexible capital. Transparent process. Funding in weeks.
Flexible capital. Transparent process. Funding in weeks.
Speed to funding
Speed to funding
<3 weeks
<3 weeks
Specialty lenders
Specialty lenders
<3 weeks
<3 weeks
SBA
SBA
2-4 months
2-4 months
Upfront fee
Upfront fee
~1%
~1%
Specialty lenders
Specialty lenders
~ 2% +
~ 2% +
SBA
SBA
~ 3% +
~ 3% +
Loan max
Loan max
Uncapped
Uncapped
Specialty lenders
Specialty lenders
Uncapped
Uncapped
SBA
SBA
Capped at $5M
Capped at $5M
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
Speed to funding
<3 weeks
Specialty lenders
<3 weeks
SBA
2-4 months
Upfront fee
~1%
Specialty lenders
~ 2% +
SBA
~ 3% +
Loan max
Uncapped
Specialty lenders
Uncapped
SBA
Capped at $5M
Tech-enabled transparency
Tech-enabled transparency
LOAN TYPES
LOAN TYPES
Build-Out Loans
Build-Out Loans
Acquisition Loans
Acquisition Loans
Equipment Loans
Equipment Loans
Refinancing
Refinancing
Exponent
Exponent
Yes
Yes
LOAN TYPES
LOAN TYPES
Specialty lenders
Specialty lenders
No
No
LOAN TYPES
LOAN TYPES
SBA
SBA
No
No
LOAN TYPES
LOAN TYPES
Expense Management
Earn up to 3% back—here’s how:
3% Online Shopping
50,000+ retailers
2% Travel & Franchise Operations
Auto-recognized
1% Everything Else
No caps
Our charge card. No surprises.
No annual fee
0%
FX fees
0%
Per-seat fee
None
New EINs accepted
Yes
Expense Management
Earn up to 3% back—here’s how:
3% Online Shopping
50,000+ retailers
2% Travel & Franchise Operations
Auto-recognized
1% Everything Else
No caps
Our charge card. No surprises.
No annual fee
0%
FX fees
0%
Per-seat fee
None
New EINs accepted
Yes
Expense Management
Earn up to 3% back—here’s how:
3% Online Shopping
50,000+ retailers
2% Travel & Franchise Operations
Auto-recognized
1% Everything Else
No caps
Our charge card. No surprises.
No annual fee
0%
FX fees
0%
Per-seat fee
None
New EINs accepted
Yes
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.