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F.A.Q.

Who qualifies for the Exponent card?

Exponent is available to QSR operators with at least 6 months in business and $20,000+ in monthly revenue. We work with single-unit operators, multi-unit franchisees, and small to mid-sized chains.

How does the 5x cashback program work?

Our industry-specific rewards program provides 5% cashback on all purchases in the first month as long as the account reaches the credit limit in the first month. After the promotional period, 2% cashback is applied to all purchases (with exceptions to the following categories: tax payments, money orders, gift cards, security brokers, financial institutions, and automated cash disbursements). Rewards are automatically credited to your account monthly.

Is there a limit to how many cards I can issue?

No. You can create unlimited physical and virtual cards for your team members, with custom spending limits and approval workflows for each card.

How quickly can I access financing through Exponent?

Most qualified operators receive funding within 7-14 days of application submission, compared to 3-4 months with traditional lenders.

Do you integrate with my existing systems?

Yes, Exponent integrates with several accounting softwares including but not limited to Quickbooks, NetSuite, Xero, Dynamics 365.

What security measures do you have in place?

Exponent employs bank-level security including 256-bit encryption, multi-factor authentication, and real-time fraud monitoring.