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AI & tokens
Model APIs, ChatGPT and AI workspace subscriptions, inference, data tools, and agent workflows.
The operating-credit layer for digital businesses
Spend on growth. Keep your cash.
CreditCo is designed around the way modern SMEs actually operate: model tokens, cloud usage, paid growth, software subscriptions and reimbursed team spend - all funded from a real business cash cycle.
Statement-led review · One shared facility · Up to three virtual cards · Partner release required
BUILT FOR DIGITAL OPERATING SPENDAI & model APIsCloud providersPaid acquisitionSaaS & team tools
Digital spend calculator
Where does your digital operating budget go each month?
Answer five simple spending questions. The calculator estimates a potential monthly benefit under the selected future-partner scenario. It is a planning tool, not a quote, guarantee, or credit decision.
Tell us about a typical month
Enter monthly spend in USD. Platform names are examples of expense types, not confirmed CreditCo partners.
How much do you spend on AI?
Claude, ChatGPT, Cursor, model APIs, agent tools, and AI workspacesHow much do you spend on cloud and compute?
AWS, Google Cloud, Azure, GPUs, developer infrastructure, and security toolsHow much do you spend on data and storage?
Snowflake, data warehouses, S3-style storage, analytics, observability, and backupsHow much do you spend on marketing?
Meta/Facebook, Google, TikTok, LinkedIn, marketplaces, creators, and campaignsHow much do you spend on software and reimbursements?
SaaS, contractors, employee or owner business reimbursements, and operating toolsPricing and operating model
Compare the cash impact, not just the card.
This is a structural comparison, not a claim about any named competitor's fees or terms. Actual CreditCo benefits and availability will be set with its regulated lending and commercial partners.
Prepaid approach
Pay first.
Cash loaded before spend
Useful for control, but it turns operating cash into card balance before the business receives its customer collections.
- Business cash is locked before spend
- No revolving facility
- Rewards and fees depend on the provider
- Usually no statement-led facility range
Traditional business credit
Fit the old model.
Issuer set terms and review
May provide credit, but can rely on fixed limits, manual review, collateral or personal guarantees, and generic expense treatment.
- Pricing and limits set by each issuer
- Digital usage may be treated as generic spend
- Potentially slower refresh cycle
- Benefits depend on the card programme
CreditCo target model
Fund the operating cycle.
0.5% subscription fee of approved credit limit
Statement-led facility review, one shared limit across virtual cards, and a future partner-benefit layer for digital operating spend.
- Subscription fee: 0.5% of approved credit limit
- Potential future benefit: up to $100 per $1,000 eligible spend
- Facility range based on cash resilience
- Up to three virtual cards, one total limit
The 0.5% subscription fee is based on the supplied pricing slide. The billing cadence, eligibility, taxes, and partner terms still need to be confirmed. The 10% figure remains a planning scenario for future contracted partner offers, not a current saving or guaranteed rebate.
What we assess
A model built around the cash that keeps the business running.
01
Cash resilience
Average and low-end daily balances, low-cash days, balance continuity, and the reserve needed to survive the business's normal collection cycle.
02
Digital operating rhythm
Recurring cloud, AI, software, growth, supplier, payroll-like, tax-like, and reimbursement patterns - classified conservatively from statement evidence.
03
Payment and integrity signals
Observed debt/card-like payments, returned items, NSF events, cash injections, internal transfers, and anomalies. Missing evidence is never counted as positive evidence.
04
Facility recommendation
A partner-review range only after statement continuity and model gates pass. One facility can be divided across up to three virtual cards without increasing total exposure.
How CreditCo works
From statements to a clearer operating-credit picture.
Share one folder
Upload the statement folder once, with your consent. No bank logins or card numbers are requested.
Read the rhythm
We map money-in, money-out, recurring digital spend, reimbursements, liquidity, and data-quality signals.
Use your portal
After verified company-email access, your company sees only its own insights, missing-data requests, and recommendation status.
Use with control
A lending partner controls any facility release. When released, it can be allocated across up to three virtual cards.
Statement review
One folder in. A clearer cash picture out.
Start with your business-account statements. The result should explain the cash pattern, not ask a merchant to guess their own numbers.
Designed to be clear
Credit that respects how digital businesses work.
Does CreditCo need collateral?
The model is designed to assess cash behaviour rather than rely on collateral. Any final product terms remain the responsibility of the lending partner.
Does reimbursed spend count?
Recurring reimbursements can show how a business operates. They are treated carefully and do not alone prove repayment capacity.
How much can I save per $1,000?
The lab now shows a future-programme scenario of up to $100 per $1,000 of eligible spend. Actual savings require a signed programme, eligible spend, and partner terms.
Can I receive three cards?
Once a facility is released by the issuer, it can be allocated across up to three virtual cards. Those cards share one total facility limit.