Liquidity that stays.

Liquidity is time

A company rarely dies of missing revenue — it dies of payments that go out before the money comes in. A company card with a monthly statement reverses the order: up to 58 days of payment terms, business separated from private, a limit that follows behaviour.

Four tiers, one goal

Business Starter, Pro, Ultra and Enterprise — each with credit reports for company and owners, a named contact person and preparation of the company card up to target limits from €5,000 to €250,000. The bank decides on the limit.

• Payment-terms calculator: how much stays in the company
• Limit calculator: which limit and which plan fit
• From enquiry to card in six steps

Honest limits

FIAON does not guarantee a card or a limit. With young companies the owners' credit file counts; FIAON obtains both reports, separates private and business and starts with a limit that grows. Works in Germany, Austria and Switzerland.

Frequently asked questions

Does FIAON guarantee a card limit?

No. The issuer decides on card and limit. FIAON makes sure the report and documents are such that the decision can be positive — and prepares increases.

My company is young — does it still work?

Yes. With young companies the owners' credit file counts. FIAON obtains both reports, separates private and business and starts with a limit that grows.

What does it cost — and are there hidden fees?

The plans range from Business Starter to Business Enterprise depending on the tier, twelve instalments. Card fees are set by the issuer; FIAON tells you beforehand. No commission on limits.

Which cards are possible?

Company charge cards with monthly statements from international issuers, depending on country and profile. Which one exactly is settled in the onboarding call — depending on legal form, turnover and report.

Also in Austria and Switzerland?

Yes. FIAON knows KSV1870, CRIF and the Swiss debt enforcement register (Betreibungsregister) and works with card partners in all three countries.