Commercial credit solutions
Unlock capital for your business customers
Support your customers’ growth with an SMB credit solution built into your product experience. Marqeta provides the infrastructure, and you get long-term loyalty.
The opportunity
Drive business growth with credit
Most SMBs depend on credit, but access is limited, and experiences are outdated. That’s your opportunity to offer flexible credit that lives inside your platform and scales with your customers’ needs.
79%
of small businesses use at least one business credit card for day-to-day operations 1
Increase revenue and LTV
Boost revenue and customer lifetime value with a credit card program built to drive daily spend. Offer flexible credit that keeps business users engaged (and spending) on your platform.
Learn how your customers spend
Use in-depth spending data to better understand your customers. These insights can help you optimize your SMB credit solution and create cross-sell opportunities.
Become an essential partner
Deepen customer loyalty by embedding a comprehensive commercial credit solution into your platform.
Ways to embed commercial credit solutions
Make commercial credit your platform advantage
Discover how platforms are turning credit into a lever for engagement, monetization, and daily utility.
Build loyalty with everyday spend
Launch a business credit card program that leverages rewards on daily purchases to turn routine transactions into engagement.
Support flexible work
Giving contractors, freelancers, and gig workers access to flexible capital helps them cover expenses between pay cycles while increasing loyalty on your platform.
Bring credit into business workflows
Drive higher engagement for your core product by embedding commercial credit into invoicing, payments, and expense tools. This keeps businesses active between billing cycles while deepening platform loyalty.
Build loyalty with everyday spend
Launch a business credit card program that leverages rewards on daily purchases to turn routine transactions into engagement.
Support flexible work
Giving contractors, freelancers, and gig workers access to flexible capital helps them cover expenses between pay cycles while increasing loyalty on your platform.
Bring credit into business workflows
Drive higher engagement for your core product by embedding commercial credit into invoicing, payments, and expense tools. This keeps businesses active between billing cycles while deepening platform loyalty.
How it works
Business credit cards. Your brand, your rules.
Marqeta provides everything you need to launch a credit program that feels seamless to users and essential to your platform.
Flexible funding
Offer flexible funding options that meet both your needs and your customers, all on one platform.
Rewards
Create and manage a customizable business credit card rewards program with meaningful control over accrual, categories, and redemption.
Underwriting
Approve applicants in seconds with underwriting decisioning fitted to your customer demographics
Credit program management
Manage everything from disputes to collections through a single platform with built-in support.
Spend controls
Control how, when, and where funds can be used based on merchant type, category, location, time, and more.
The Marqeta advantage
Your credit program deserves more than one-size-fits-all
With Marqeta, you get more control over your commercial credit program, without giving up on flexibility and time to market.
Customizable programs
Control the structure, branding, rewards, and rules of your credit experience, so you can deliver more value to SMBs without rigid templates. Plus, customers can choose the funding model that works for their business.
Seamless UX, end-to-end
Deliver a seamless, in-platform experience with prebuilt UI components and a white-label app to keep SMBs in flow, from application to spend and support.
Own the credit experience
Go beyond the limitations of traditional co-brand programs. With Marqeta, you can own more of the data, the experience, and the customer relationship.
For the full financial journey
Start with commercial credit, then expand into everyday banking solutions, expense management, or revolving consumer credit. All on the same platform.
Commercial credit is just the first step
Support the full commercial payments journey
From spend to scale, build a platform your customers won’t outgrow.
Built for where you're going, not just where you are
Work with a partner that adapts with your roadmap, not one you’ll outgrow.
Frequently asked questions
Marqeta is not a bank or a lender. Marqeta provides a technology platform to enable its customers to build out products using services offered by its bank partners.
- Ramp, Business Credit Card Statistics, 2025
Marqeta's support for these use cases varies by jurisdiction. Contact us for details on what is currently available in your jurisdiction, and what's on our roadmap.