Charge cards give 30–60 days of float on spend before the statement is due.
Smoothing vendor and ad spend; free if paid in full.
Not cash in the bank. Limits follow your cash balance.
At a glance
| Family | Non-dilutive debt & advances |
| What gets underwritten | Your cash balance |
| Collateral | Cash balance |
| How you repay | Monthly statement |
| Dilution | None |
| Typical pricing | Interest-free for 1 month, then pay in full |
| Typical time to cash | About 3 days to about 1 week |
| Good for | Working capital |
Corporate cards (spend float) providers compared
Sorted by the low end of the estimated rate as of today. Your actual cost depends on your revenue, credit profile and term — the calculator works it out for you.
| Provider | Estimated as of today | Time to cash | Typical size | Requirements | Regions |
|---|---|---|---|---|---|
| Brex Corporate card |
Interest-free for 1 month, then pay in full published |
About 3 days | Up to $250K | No hard minimums listed | US · Global |
| Ramp Corporate card |
Interest-free for 1 month, then pay in full published |
About 3 days | Up to $250K | No hard minimums listed | US |
| American Express Business cards |
Rates shown to approved members estimated |
About 1 week | Up to $250K | Personal guarantee | US · UK · EU |
Head-to-head comparisons
Is corporate cards (spend float) right for you?
See how it stacks up against every other way to raise — priced for your amount, revenue and timeline.
Other funding types
Rates are estimates as of today, not a lender's quoted interest rate. Not an offer of credit, investment, legal or tax advice. B2B Agent may receive a referral fee when we introduce you to a provider; it never changes rankings or what we publish. Lenders: send your current terms so we can refresh the estimate, which also makes you eligible for the Transparent Pricing and Lowest Rate awards. Update your listing.