“Can a Canadian corporate card company become the financial OS for Canadian SMBs by combining high-yield accounts, interest-free credit, and expense management in one platform?”
Founded in 2019 as a corporate card company for Canadian startups locked out of Big Five bank credit facilities. Evolved into a full business finance platform adding expense management, bill pay, reimbursements, and a high-yield account offering 4% interest via Scotiabank deposits. The 2025 'Charge' product — interest-free unsecured credit up to $3M — marks a meaningful shift from prepaid-only to a hybrid charge/credit model, directly competing with US spend management platforms (Brex, Ramp) in the Canadian market.