We can see the revenue, because it comes through us.
Banrox already processes payments for businesses. When your customers pay you through Banrox, your revenue is something we observe directly rather than something you have to prove with statements.
Business Spending Card
Built on what your business does. Not on your credit score.
A spending card for a small business, with a limit that comes from the revenue Banrox already sees, not from the owner's credit file. A card for each person, rules at the register, receipts that attach themselves.
The problem
Your business made $400,000 last year. Your card limit is $3,000.
Not because of your business. Because of your personal credit. Almost every small business card in America is underwritten on the owner and reported on the owner. Your business can be ten years old and still have no credit identity of its own.
Somebody decided that. It is not a law.
59%
of small employer firms with debt signed a personal guarantee for it.
Federal Reserve Banks, Small Business Credit Survey, 2026 Report on Employer Firms
How we are different
Designed to build the business a file of its own.
A spending card that is meant to sit next to your business credit profile, not just your personal one, on the same screen where you already watch it.
Partners can hold one line together.
Two owners or six, one shared line, everyone on it and everyone covering it. Banrox has a patent filed on the group mechanism that makes this work.
The card at work
One account, and as many cards as your team needs. Every charge reaches your phone as it happens, follows the rules you set and files its own receipt. The screens below are live demos.
One physical card. As many virtual cards as you need.
The business holds one physical card. From it you issue a virtual card to each person who buys things, with its own limit and its own rules, on their phone the same minute. There is no limit on how many you can issue.
A new hire's card lands on your phone.
Tom starts Monday in the kitchen. His card, with his limit, is on his phone before he gets there, and it pays at the register with a tap.
Every charge on your phone, the second it happens.
Jordan buys fuel at 10:12. You know at 10:12: the card, the amount, and the exact spot on the map, on your phone.
Declined at the register, not on your statement.
Set what each card is for. Anything else is declined before it happens, so there is nothing to chase and nothing to reverse.
Receipts attach themselves.
Photograph it once. It uploads, reads itself, gets its category and attaches to the charge before you have put the phone down.
The line the bank sends becomes a record you can read.
Merchant, category, address, how often you have been there and the receipt, filled in from one line of bank text.
Squad
Six owners. One line.
Every partnership solves this the same bad way. One person puts the business on their card, and everyone owes them for months. The Squad mechanism is designed so a group applies together and holds one line together, with each person's share tracked and covered by the group rather than carried by whoever happened to have the best score.
Banrox has filed a patent on how it works.
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