Introducing Squad Card by BanroxOne card. One
line.
Four people
who have your
back.
Squad is a shared credit line built for people who trust each other. Everyone gets their own lane, and the squad holds the reserve.
Early access is open. Your squad saves your seat.
Aram PetrosyanGood credit. Mid income.Financial Passport
Experian762Good300-850
Transunion748Good300-850
Equifax762Good300-850
Verified income$9,800/mo
Debt-to-income21%
Cash-flow score92/100
Identity & privacy88/100
Verified Borrower
Mika GrigoryanPoor credit. Growing income.Financial Passport
Experian588Poor300-850Transunion574Poor300-850Equifax607Fair300-850Verified income$3,400/moDebt-to-income52%Cash-flow score64/100Identity & privacy88/100Verified Borrower
Lilit SargsyanRebuilding credit. Low income.Financial Passport
Experian502Poor300-850Transunion506Poor300-850Equifax513Poor300-850Verified income$2,100/moDebt-to-income68%Cash-flow score38/100Identity & privacy62/100Verified Borrower
David MelkonyanExcellent credit. High income.Financial Passport
Experian815Excellent300-850Transunion802Excellent300-850Equifax829Excellent300-850Verified income$19,500/moDebt-to-income18%Cash-flow score95/100Identity & privacy99/100Verified Borrower
SquadCard**** **** **** 7214
Alone Vs TogetherAlone, each of you falls short.
Together, you qualify for more.
Squad combines your profiles into one group application.
Different strengths, one shared line.
Applying Alone
Declined$0.00No access
File, on its own. High DTI. Rebuilding score. No approval.
DeclinedDeclinedDeclinedDeclinedAlone Strength
Not enough approval power.
502
Credit Score
68%
DTI
$2.1k
Income
With Squad
Approved$25,000Shared Credit Line
Same file. Backed by three others and one shared reserve.
ApprovedApprovedApprovedApprovedSquad Strength
Higher approval power.
667
Avg Squad score
40%
Avg DTI
$34.8K
Combined Income
Squad ApprovesNeed more than
your lane?
The squad decides.
When one member needs to spend above their limit, the squad votes. The extra releases from the shared reserve. The group total never changes.
Mika needs $1,500 more
MacBook Pro, above lane limit
Aram Petrosyan
ApprovedLilit Sargsyan
ApprovedDavid Melkonyan
Pending...2 of 3 approved
waiting on David
SquadCard**** **** **** 7214
David Melkonyan
$6,000
ApprovedAram Petrosyan
$4,000
Lilit Sargsyan
$5,000
Approved
One Line
$25,000
David
$6,000
Lilit
$5,000
Aram
$4,000
Mika
$7,000
Reserve
$3,000
How Squad worksThree steps.
One shared line.
You
4 / 4
Form your squad
Invite up to 3 trusted people: friends, family, or anyone you trust financially. Each member connects their bank and authorizes a credit check.
502
Poor
762
Good
588
Poor
815
Excellent
Group Score
712
Good
4 profiles
1 assessment
Get scored as a group
Banrox's patented group risk engine combines every member's profile into a single group assessment. Combined behavior is more stable, which is why the group qualifies for more.
$7,000
Mika
$5,000
Lilit
$6,000
David
$4,000
Aram
$3,000
Reserve
Spend in your lane, back each other
Each member has a private spending lane. Need more? The squad votes and the reserve releases. Cover each other to keep the account current. The group total never changes.
Intelligence LayerBuilt on intelligence.
Not just a credit score.
Member 01
502
Poor
300-850
Member 02
762
Good
300-850
Member 03
588
Poor
300-850
Member 04
815
Excellent
300-850
Identity &
Fraud Signals
ID verified
Device trust
High
Synthetic risk
Low
Identity age
5+ years
Income &
Financial Stability
Monthly income
$9,200
Income stability
96%
Employer verified
Payment &
Debt Behavior
On-time payments
97%
Debt-to-income
31%
Revolving usage
18%
Payment discipline
Strong
Account &
History Analysis
Credit age
5.2 years
Account mix
Strong
Inquiries (12m)
2
Derogatory marks
None
Banrox Engine
Group risk scoring
4 Files
1 Decision
Combined Strength
Approved $25,000
Life Inside SquadDay to day, it just works.
Lilit’s lane
This month$2,140
Lane limit$5,000Her card stops at her lane.
Mika covered Lilit’s $180 payment
Account CurrentSettle up by Aug 1
Auto-reminder on
Squad Health
Excellent14 months
On-Time Streak
32%
Utilization
4/4
Members Improving
762
Score of Aram
588
Score of Mika
502
Score of Lilit
815
Score of David
Invite Your SquadA squad without your people
isn't a squad.
Invite your people now. When Squad launches, your group is already set.
scan to join Aram’s squad
banrox.com/squad
Your squad.
Your line.
Apply together. Qualify for more. Spend in your lane.
SquadCard**** **** **** 7214Early AccessBe first.
Bring your squad.
Join the waitlist for Squad Card. When we launch, your group is ready.