Six financial products, underwritten on data POSavoir already has.
Your transaction history already qualifies you for products you would otherwise spend months applying for. We turn that data into approvals, automatically.
Payments at honest rates.
Card processing built into the POS. Interchange-plus pricing with no hidden basis points, no statement fees, no junk. You see exactly what you pay, every batch.
- Tier 1, food truck or cart$450 to $1,800 / year
- Tier 2, small café or quick-serve$1,200 to $3,600 / year
- Tier 3, mid full-service$3,000 to $9,000 / year
- Tier 4, bar, grill, or busy QSR$8,000 to $24,000 / year
- Tier 5, multi-location group$20,000 to $80,000 / year
Based on 0.3 to 0.6 percentage points effective rate reduction versus typical incumbent processor.
Working capital, repaid as you sell.
Loans from $5,000 to $300,000, underwritten on your POSavoir transaction data. No personal guarantees. Repaid as a percentage of daily card sales, so slow weeks cost you less.
- Tier 1, food truck or cartUp to $15K available
- Tier 2, small café or quick-serveUp to $50K available
- Tier 3, mid full-serviceUp to $150K available
- Tier 4, bar, grill, or busy QSRUp to $300K available
- Tier 5, multi-location groupCustom underwriting
Approval typically within 48 hours of qualifying for Capital. Available after 90 days on POSavoir.
Pay your staff from the same screen.
Hours, tips, and overtime already live in POSavoir. Payroll runs from the same data, no double entry, no third-party imports. Direct deposit, tax filing, year-end W-2s included.
- Tier 1, food truck or cart$420 to $900 / year
- Tier 2, small café or quick-serve$960 to $2,400 / year
- Tier 3, mid full-service$2,400 to $5,400 / year
- Tier 4, bar, grill, or busy QSR$6,000 to $14,000 / year
- Tier 5, multi-location group$15,000 to $40,000 / year
Versus typical $40 to $80 per employee per month on standalone payroll software.
A business account that earns on every supplier order.
Free business banking with a debit card. Cash back on supplier purchases routed through POSavoir. Faster payouts, no monthly fees, no minimum balance, FDIC-insured through partner banks.
- Tier 1, food truck or cart$150 to $600 / year cash back
- Tier 2, small café or quick-serve$480 to $1,800 / year
- Tier 3, mid full-service$1,500 to $4,500 / year
- Tier 4, bar, grill, or busy QSR$4,000 to $12,000 / year
- Tier 5, multi-location group$10,000 to $35,000 / year
Based on 1 to 2 percent cash back on supplier spend routed through POSavoir Card.
The coverage you need, quoted from your operating data.
Liability, workers comp, business interruption, cyber. Carriers compete in real time using your POSavoir data, so quotes come in lower and faster than you can get them yourself.
- Tier 1, food truck or cart$200 to $700 / year
- Tier 2, small café or quick-serve$500 to $1,800 / year
- Tier 3, mid full-service$1,400 to $4,200 / year
- Tier 4, bar, grill, or busy QSR$3,500 to $10,000 / year
- Tier 5, multi-location group$8,000 to $28,000 / year
Based on typical 8 to 15 percent premium reduction from data-driven underwriting versus generalist quotes.
Order from your suppliers, get paid back.
Place supplier orders through POSavoir. Volume rebates flow back to you instead of disappearing into a distributor's margin. We negotiate the rates, you keep the difference.
- Tier 1, food truck or cart$300 to $900 / year
- Tier 2, small café or quick-serve$1,200 to $4,000 / year
- Tier 3, mid full-service$3,500 to $11,000 / year
- Tier 4, bar, grill, or busy QSR$9,000 to $30,000 / year
- Tier 5, multi-location group$22,000 to $75,000 / year
Based on 1 to 3 percent of typical supplier spend captured back as rebate.
Six financial products. One operator. Zero new vendors.
Pre-register for Capital Stack early accessBeta seats are limited. We onboard 25 operators per quarter.