Everything you need to know about Parker — from applying to scaling. Can’t find what you’re looking for? Reach out to our team.
Parker underwrites dynamically using revenue performance, operating spend patterns, accounting data, and banking activity — not outdated credit scores. Limits adapt as your business grows with no manual review needed.
No. Parker does not require a personal guarantee. Your business performance is the underwriting signal — not your personal credit or assets. Your business stands on its own.
Application takes under 10 minutes, fully online. Card and banking go live within one week of approval. No branch visits, no fax, no notary required.
Apply in minutes at getparker.com. Connect your revenue data — Shopify, Amazon, or bank accounts — and we’ll underwrite based on your actual business performance. Most applicants get a decision the same day.
Parker requires at least $1M in annual revenue and $10,000 in cash on hand. No personal guarantee and no minimum credit score. We underwrite based on revenue performance, not personal credit history.
Most customers get a credit decision within hours of connecting their accounts. Once approved, you can issue cards and start spending the same day.
Three options: Daily repayment (highest cashback, up to 2.65%), Net 60 per-transaction terms, and Net 90 BNPL. Different term types can be assigned to different cards within the same account.
Yes. Parker assigns repayment terms per card, not per account. Run daily cards for ad spend and Net 90 cards for inventory purchases simultaneously under one credit limit.
Limits are based on business performance and can reach up to $5M. As your revenue grows, your limit adapts automatically — no reapplication or manual review required.
Parker uses dynamic underwriting based on four signals: revenue performance, operating spend patterns, accounting data, and banking activity. Limits adapt as your business grows — no manual reviews or reapplications required.
No. Parker does not require a personal guarantee. Your business qualifies on its own merits — based on revenue and operating data, not your personal credit score or assets.
Daily repayment cards earn up to 2.65% cashback. Net 60 and Net 90 cards earn a lower rate in exchange for extended terms. You can also redeem rewards for travel bookings or airline transfers.
Yes. Parker Treasury accounts are FDIC-insured up to hundreds of millions through the IntraFi bank network. Your deposits are protected beyond the standard $250K limit.
Parker Treasury accounts offer up to 3% APY. Interest compounds daily on your full balance. Set up Profit First autosweeps to automatically allocate funds across multiple accounts.
Yes. Parker Bill Pay lets you pay any vendor via ACH, check, or wire using cash or your Parker credit line. Full approval workflows, extended payment terms, and accounting-ready exports included.
Yes. Parker treasury accounts are FDIC-insured up to $250,000 per depositor through our banking partners.
Parker treasury accounts earn up to 3.0% APY on eligible balances. You can also set up multiple named accounts (operating, reserve, tax, payroll) with Profit First-style autosweep rules.
Yes. Bill Pay supports payment from your Parker credit line or treasury account via ACH, check, or wire. This lets you extend terms on payables — not just card spend — while keeping vendors paid on time.
Talk to the Parker team or explore our Help Center for guides, walkthroughs, and support resources.
Talk to the Parker team or explore our Help Center for guides, troubleshooting, and answers to the most common questions.
Talk to the Parker team or explore our Help Center for guides, troubleshooting, and answers to the most common questions.