Author: Nick Mann
February 12, 2026
3 min read
TABLE OF CONTENTS

Start your credit building journey for your business

The FairFigure Card feels more traditional because it’s a card, and most people have those in their wallets. With it, you get financing that’s based on your recurring business revenue, and you can use it to build your business credit profile while simultaneously getting funding.
URL: FairFigure
However, the FairFigure Card differs from many similar options in that it’s a true EIN-only card, where there’s no personal guarantee or personal credit check required. That way, you can keep your business and personal finances separate.
URL: FairFigure
And if your personal credit is less than perfect, it shouldn’t hold you back from getting critical business funding.
As for payback terms, there are four and eight-week options, and your payment history is reported to credit bureaus to accelerate your business credit-building.
Besides that, the FairFigure Card gives you the chance to unlock additional funding as you prove yourself as a responsible borrower and increase your monthly recurring revenue.
FairFigure Lift, on the other hand, is a credit builder account and doesn’t come with a card. It’s a new kind of business financing option, where we deposit funds directly into your business bank account.
URL: FairFigure
If you prefer to have straight cash in your bank account rather than having to manage a credit card, this can be a great option.
Note that FairFigure Lift comes with a lot of the same perks as the FairFigure Card.
There’s no personal guarantee or personal credit check. It offers flexible payment terms, where you can choose between four and eight-week installments. And you can improve your business credit history by consistently making payments on time.
Additionally, you can potentially qualify for increased funding later on to unlock even more business capital with FairFigure Lift.
URL: FairFigure
To recap, the FairFigure Card offers funding through a traditional physical card, whereas Lift is a credit builder account that deposits funds directly into your business bank account, eliminating the need for a card.
More articles
Read More >
February 12, 2026
1 min read

February 12, 2026
1 min read

February 12, 2026
1 min read

Start your credit building journey for your business

Start your credit journey now with FairFigure