Expand Your Purchasing Power While Building Business Credit

Ohio Business Funding's Business Charge Card Program is designed for businesses that need greater purchasing power, stronger expense management, and the opportunity to build a positive business credit profile. Unlike a traditional business credit card, a charge card is typically intended to be paid in full each billing cycle, helping businesses maintain healthy cash flow while avoiding long-term revolving debt.

Our Business Charge Card Program connects qualified businesses with premium charge card solutions that offer flexible spending capacity, valuable rewards, and tools to simplify business expense management.

Program Highlights

• Flexible spending capacity based on your business profile
• No preset spending limit on select programs*
• Designed for everyday business purchases and operational expenses
• Helps establish and strengthen business credit with eligible reporting issuers
• Streamlined expense tracking and reporting
• Employee card options available with customizable spending controls
• Rewards and travel benefits may be available through participating issuers
• Fast application and approval process for qualified businesses

*Spending capacity is determined by the card issuer based on payment history, business financials, and account activity.

Common Uses

Business owners frequently use charge cards to:

• Purchase inventory and supplies
• Cover travel and entertainment expenses
• Pay vendors and service providers
• Fund advertising and marketing campaigns
• Manage recurring operational expenses
• Purchase technology and office equipment
• Simplify employee expense management
• Separate business and personal expenses
• Benefits of a Business Charge Card
• Improve cash flow management
• Build a stronger business credit profile
• Simplify accounting and bookkeeping
• Track spending through detailed reporting tools
• Reduce the need for reimbursement processes
• Increase purchasing flexibility as your business grows
• Access premium business rewards and benefits, where available

Basic Qualifications

Qualification requirements vary by issuer, but applicants generally benefit from:

• A registered U.S. business
• Good personal and/or business credit
• Stable business operations
• Ability to repay balances according to card terms
• Personal guarantee may be required by participating issuers

Why Choose Ohio Business Funding?

Ohio Business Funding partners with leading financial institutions to help businesses identify charge card solutions that align with their operational needs and growth goals. Our experienced advisors guide clients through the application process and help determine which programs offer the greatest value based on their business profile.

Ideal For Businesses That Need

• Higher purchasing flexibility
• Better expense management
• Business credit building opportunities
• Employee spending controls
• Premium business benefits and rewards
• A professional payment solution for day-to-day operations

Important Disclosure

Business Charge Cards are issued and underwritten by participating financial institutions. Approval, spending capacity, repayment terms, fees, rewards, and reporting practices are determined solely by the issuing institution. Ohio Business Funding is not a direct lender or card issuer and works with a network of financing partners to help identify financing solutions that best meet each client's needs.