360 Spend
Spend when you need to. Running a business means managing expenses while planning ahead. The 360 Spend Card¹ gives you flexible access to working capital.
360 Spend Card¹
A Business Card Designed to Manage Cash Flow
- Unlock Up to One Month of Sales in Credit
Utilize a physical or virtual card to cover business expenses when you need it most. - No Credit Checks
Eligibility is based on your sales history, not your credit score.1 No hard or soft inquiries.
- Flexible Repayment Without Compound Interest
- Pay in Full: Settle your balance within 7 days of your statement closing to avoid fees.
- Pay Over Time: Repay through a fixed percentage of your future sales, with one simple fee5 and no compound interest.
- 1% Cash Back on All Purchases²
Earn rewards as you spend, putting money back into your business.
Additional Perks
360 Spend Card” (“Spend Card”)—collectively and interchangeably used herein. Parafin is a financial technology company, not a bank. Spend Cards are issued by Column N.A. (“Column”), Member FDIC, pursuant to a license from Visa U.S.A. Inc. Spend Cards are powered by Marqeta. Approval is not guaranteed and is subject to checks. Terms and conditions apply. See here for more information regarding the Spend Card.
Log in to the 360 Hub or contact 360payments-capital@parafin.com to see if you’re pre-approved.1
Discover the Full Potential of 360 Payments
Text to Pay
Easily send a secure payment link to your customers via text or email, giving them the flexibility to pay and pick up their vehicle at their convenience. Setup is quick and takes just a minute!
Easily send a secure payment link to your customers via text or email, giving them the flexibility to pay and pick up their vehicle at their convenience. Setup is quick and takes just a minute!
Learn MoreConsumer Financing
Boost customer sales and maximize your average RO with a seamless, secure financing integration right at the point of decision. Offer flexible financing options tailored to any credit rating, making purchases more accessible and driving business growth.
Boost customer sales and maximize your average RO with a seamless, secure financing integration right at the point of decision. Offer flexible financing options tailored to any credit rating, making purchases more accessible and driving business growth.
Learn MoreBusiness Capital
Accelerate your growth with fast, flexible financing. Every credit card payment processed through 360 Payments gives eligible merchants access to loans from $500 to $300,000. Whether you’re expanding, investing in equipment, or stabilizing cash flow, our funding solutions are here to support your business with ease.
Accelerate your growth with fast, flexible financing. Every credit card payment processed through 360 Payments gives eligible merchants access to loans from $500 to $300,000. Whether you’re expanding, investing in equipment, or stabilizing cash flow, our funding solutions are here to support your business with ease.
Learn MoreFor Your Information
¹ “360 Spend Card” (“Spend Card”)—collectively and interchangeably used herein. “360 Cash Account” (“Cash Account”)—collectively and interchangeably used herein. Parafin is a financial technology company, not a bank. Cash Account and banking services provided by Column N.A. (“Column”), Member FDIC. Spend Cards are issued by Column, pursuant to a license from Visa U.S.A. Inc. Spend Cards are powered by Marqeta. Approval is not guaranteed and is subject to checks. Terms and conditions apply. See here for more information regarding the Spend Card.
² Card purchases may be eligible for cashback. See the Rewards Agreement for more information.
3 If the full statement balance for a given statement period is unable to be collected by the end of the grace period (i.e., 7 calendar days after the statement period ends), the full statement balance will be rolled over into your pay-over-time balance along with a statement fee of 11%-16% of the statement balance. For more information, please see your Spend Card Agreement.