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business credit & spend financial overview

Credit and financing, built into your Pliant card payments

Credit card payments come with a company-level credit line* and repayment cycles you set. Spend without preloading. Know exactly when you get billed.

A credit line that runs with your card program

Credit and repayment options built into how you already pay, so your teams keep moving while finance stays in control.

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    One company-level credit line for all cards*

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    Access higher limits that scale as you grow*

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    Credit draws down at settlement, not at booking

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    Interest-free payment terms, weekly to monthly billing

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    International spend across 12 currencies

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    Top up to cover peak demand

Access higher limits from the start*

Pliant underwrites on your full business profile: revenue growth, spending patterns, balance sheet liquidity. Not your credit score alone.

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    Higher limits backed by your business performance: Based on how your business performs.
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    Request limit increases from your account manager: Whenever you need more room to grow.
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    Issue cards to employees without individual credit checks: Your company manages the credit line.
high & flexible limit business credit card

Built around how payments settle

Your credit line is only used when a transaction settles, not when it’s authorised so more of your credit stays available across the business. Issuing cards doesn’t reduce your credit line upfront. Plan for future spend without tying up credit. Spend, track, and repay in one place. Alerts keep every team on top of their limit.

business spend credit limit balance

Repayment that matches your cash flow

Pick a billing cycle that matches how your cash comes in: weekly, bi-weekly, or monthly. Your available credit refreshes after each cycle. Layer interest-free payment terms on top to widen the gap between spending and settlement.

adjustable credit billing cycle

One credit line for every currency account*

Open card accounts in 12 currencies and access a credit line per account. Pay in the currency you operate in, keep budgets clean across entities, and avoid unnecessary FX conversion. Each account runs independently, so your EUR and USD spend don’t interfere with each other.

multi-currency organization credit line

How to apply for a credit line

Fast KYC, a dedicated onboarding team, and cards active within days.

  1. Submit initial details

  2. Register on the platform and confirm T&Cs

  3. Complete KYC and risk assessment

  4. Start using your cards

Ready to add credit to your card program?

Talk to us about setting up a credit line that runs alongside your existing payment operations. *All credit lines are subject to approval.

Call Support +1 (917) 877 7005
Pliant business credit cards & spend management software solutions