Cardholder and purpose
Connect the purchase to the responsible employee, department or vendor.
Business cards
Business credit. In the right hands.
Asset-backed cards for the people making your business happen. Earn premium cashback on eligible purchases and give finance a clear record of who spent, what it was for and what the company owes.
card credit
The assets support the facility. Your rules govern spending.
Eligible collateral supports the company’s credit agreement. Card limits then allocate spending authority to employees, departments or a specific purpose.
Borrowing is secured against your assets. Their value can change, and pledged assets may be sold if the agreement’s requirements are not met.
Understand asset-backed lendingspending controls
Set the boundaries before the trip.
Create a card around the job: travel, a department, a supplier or a subscription. Set the applicable limits and review the spend against its owner and budget.
Finance can review who spent, where, against which budget and whether the receipt is attached. A policy exception belongs in that record, not in a separate email thread.
Explore approval controlsrewards
Cashback belongs in the business case.
Flights, hotels and company purchases are part of the operating budget. Where spending qualifies, cashback returns value to the business under its reward programme.
How rewards are recorded
close the loop
From purchase to a complete expense record.
Make the transaction useful to finance after the card has been put away.
Receipt and review
Attach evidence, categorise the expense and resolve missing information.
Expense workflowDebt and repayment
Reconcile settled spending against the credit facility and its repayment obligations.
No. The credit agreement sets the borrowing facility. A card limit controls how much a particular cardholder or card can spend within the applicable rules.
The business card model supports employee, department, vendor, subscription and travel use. Agree the card purpose and applicable controls for your setup.
Collateral eligibility and valuation depend on the offer. Ask for the accepted asset list, how values are assessed and the conditions for adding or releasing collateral before committing.
Your offer sets the interest, fees and repayment requirements. Compare the total borrowing cost and card charges with the cashback you expect from eligible spending.
Build the card setup around your team.
Bring your cardholder count, typical spending, approval needs and the assets you want considered.