Parker is the only financial platform with per-transaction rolling credit terms — 15, 60, or 90 days per swipe. No monthly statements. No balance requirements. Just credit that matches how your revenue actually moves. Built by founders who hit the credit wall firsthand, for the brands that move too fast for traditional finance.
On qualifying ad spend and inventory purchases. More than any other corporate card on the market.
Per-swipe rolling terms. Every charge gets its own deadline — pay after your revenue lands, not when the statement closes.
Credit underwritten on your revenue performance — not your credit score, not collateral, not your personal finances.
Legacy banks underwrite on credit scores and collateral — not on the velocity of your Shopify store or Amazon account. The result: operators processing millions per month still can't get credit terms that match how their cash flow works. Monthly statements built for 1980s businesses. $50K balance requirements just to qualify. Personal guarantees that treat founders like a liability instead of a customer.
How Parker started
Running ads. Buying inventory. Processing real revenue. But every bank looked at a FICO score — not a Shopify dashboard. So the answer was always no.
He and Milan built Parker to fix what they couldn’t get from anyone else. Revenue-based underwriting. Per-transaction terms that flex with your cash flow. That’s still the only reason we exist.
Parker underwrites on revenue performance — not credit scores or cash balances. Mercury requires $50K in deposits to qualify. Ramp requires $25K in cash. Parker looks at your actual revenue and gives you terms that match it. Our corporate cards offer per-transaction rolling terms up to 90 days, so you pay after revenue lands. FDIC-insured banking with up to 3.0% APY. Spend controls that give finance teams visibility without slowing operators down.
Every Parker account includes the full stack — corporate cards with up to 90-day terms, FDIC-insured business banking with up to 3% APY, vendor bill pay using cash or credit, and real-time financial intelligence. No module tiers, no upsells.
What customers say
“Parker was the first card that actually looked at our revenue, not our bank balance. We went from $50K to $500K in available credit in 60 days.”
“The 60-day terms changed everything for inventory planning. We buy in bulk, sell down, then settle — instead of floating the cost ourselves.”
“No personal guarantee. No monthly statement games. Just credit that scales when we scale. Every operator should have this.”
Parker has been covered by leading publications tracking the next generation of fintech — the infrastructure layer being built for e-commerce and high-growth brands.
Coverage on how Parker is giving e-commerce operators credit infrastructure that actually matches the speed of modern business.
Feature on Parker's revenue-based underwriting model and how it breaks from the FICO-score dependency that defines legacy corporate cards.
Spotlight on Parker's approach to per-transaction terms and why it represents a fundamental rethinking of how working capital should work for scaling brands.
Yacine Sibous and Milan Ray met at 42 in Paris and built Parker from a shared frustration: scaling companies hit a credit wall firsthand. Founded 2019, YC W19, $157M raised.
Studied Physics and Computer Science at McGill University, then attended 42 in France where he met his co-founder. Yacine was building e-commerce businesses when he hit the credit wall firsthand — limits based on FICO scores, monthly settlement cycles, no flexibility for revenue-driven operators. He co-founded Parker to fix that.
Studied engineering at the University of Michigan and 42, where he met Yacine. Milan co-founded Parker at 19 — straight out of YC W19. Forbes 30 Under 30. He built Parker's technical foundation and has scaled the platform through $157M in funding and over $550M in transactions processed.
Founded 2019. Y Combinator W19. $157M raised in equity and debt. $550M+ processed on the platform. Customers include Caraway, Venus et Fleur, and Dolls Kill. Headquartered in New York.
Parker is building the financial infrastructure e-commerce operators have always needed — per-transaction terms that match your cash flow, limits based on your revenue, and banking that compounds over time. If you run a Shopify or Amazon business, you should be on Parker.