topic Re: New SP (Equifax) approval CC option (with limitations) in Business Credit

New SP (Equifax) approval CC option (with limitations)

cashorcharge — Mon, 10 Mar 2025 22:49:03 GMT

There's a company called Affiniti Finance that works with Patriot Bank to provide Business Credit Cards to affiliate organizations. Just so happens my side gig falls under their parameters. While I wasn't asked to provide proof that my business was tied to the affiliate partner that I applied under, they did ask my business name and other details I provided which in turn...seems logical to be aligned to the branded card offering.

They DO NOT do a HP for approvals...they do a SP on your EQ and may pull other business CBs though I am unsure. Considering there are less and less SP Business Approval available, this may be of interest to some if your business can align to the organizations they are affiliated with. Application was easy, after SP EQ, received word to complete identity verification and next morning $20,000 approval was in my inbox.

Might be of interest to some if....good luck

https://affiniti.finance

Re: New SP (Equifax) approval CC option (with limitations)

Drifter73 — Tue, 11 Mar 2025 01:35:02 GMT

Nice find.

Appears to be a fintech. Those can get scary.

I may qualify for the Gov. Contractor weMC.

Let us know how things go once you get your card and complete a couple payment cycles.

You're now the official tester. 😀 😉

Re: New SP (Equifax) approval CC option (with limitations)

GZG — Tue, 11 Mar 2025 03:49:21 GMT

let us know if it reports to personal, congrats!!

Re: New SP (Equifax) approval CC option (with limitations)

cashorcharge — Tue, 11 Mar 2025 19:10:35 GMT

@GZG wrote:
let us know if it reports to personal, congrats!!

I did confirm beforehand that it DOES NOT report to personal CB's. Should something not occur that way, I will update the thread

Re: New SP (Equifax) approval CC option (with limitations)

pip3man — Tue, 11 Mar 2025 20:09:52 GMT

I applied for the AAOA card. There is no HP on personal report. Did not receive an instant approval but the denial email came within 2mins. SP on EQ, score listed as 673. One denial reason listed as - Low Credit Score. Will try again sometime in the future if or when I do get a score boost.

Re: New SP (Equifax) approval CC option (with limitations)

GZG — Wed, 12 Mar 2025 03:55:55 GMT

@cashorcharge wrote:
@GZG wrote:
let us know if it reports to personal, congrats!!
I did confirm beforehand that it DOES NOT report to personal CB's. Should something not occur that way, I will update the thread

who did you confirm with, Patriot Bank or Affinity Finance?

Re: New SP (Equifax) approval CC option (with limitations)

cashorcharge — Thu, 13 Mar 2025 16:51:48 GMT

Confirmed with Affiniti....
It hasn't been long enough yet (nor has a statement generated yet) for me to say otherwise....

Re: New SP (Equifax) approval CC option (with limitations)

GZG — Thu, 13 Mar 2025 16:57:06 GMT

@cashorcharge wrote:
Confirmed with Affiniti....
It hasn't been long enough yet (nor has a statement generated yet) for me to say otherwise....

yeah they told me the same, I imagine it's not going to report, they seem to be on top of everything

Re: New SP (Equifax) approval CC option (with limitations)

Five6Two — Mon, 21 Apr 2025 20:05:06 GMT

@cashorcharge wrote:
Confirmed with Affiniti....
It hasn't been long enough yet (nor has a statement generated yet) for me to say otherwise....

Good day, any update on reporting to personal CR?

Re: New SP (Equifax) approval CC option (with limitations)

cashorcharge — Tue, 22 Apr 2025 00:39:27 GMT

Confirmed...no Personal CB reporting

Re: New SP (Equifax) approval CC option (with limitations)

julia18330 — Thu, 01 May 2025 21:27:38 GMT

@cashorcharge wrote:
Confirmed...no Personal CB reporting

How are you making out with the card? I just got approved, 20k same as you. I made my first purchase with the virtual card, no issue. Have you found larger transactions go through without having them flagged as some new cards do? I like the dashboard and the virtual card. I did get 18% plus prime but I pay in full so I don't mind.

Re: New SP (Equifax) approval CC option (with limitations)

cashorcharge — Fri, 02 May 2025 20:55:32 GMT

@julia18330 wrote:
@cashorcharge wrote:
Confirmed...no Personal CB reporting

How are you making out with the card? I just got approved, 20k same as you. I made my first purchase with the virtual card, no issue. Have you found larger transactions go through without having them flagged as some new cards do? I like the dashboard and the virtual card. I did get 18% plus prime but I pay in full so I don't mind.

No issues with anything at all....

Re: New SP (Equifax) approval CC option (with limitations)

Drifter73 — Fri, 02 May 2025 22:11:31 GMT

Added note on: NAGC National Association of Government Contractors.

Further investigation reveals you do not have to have a $350 NAGC membership to apply or qualify for the NAGC MC since it's managed by patriot bank.

You just have to be a government contractor in general. Ideally, you'll have a UEI (unique entity ID) that you can provide in the event the bank issuing the card decides to verify you are actually a gov contractor.

Further data points suggests a 700+ Equifax score to be considered. Anything under that may result in a instant decline.

I already have a UEI, so now I just have to wait 30 to 60 days for my EQ to go over 700 and then I'll give it a shot.

That $350 membership was a full stop for me, so it's nice to know any gov contractor can get it and not just members of that organization.