Commercial transparency
Partner Offers, Explained in Full
Every commercial partnership on this site, with the qualifying steps, exclusions, fees, risks and the date each offer was last verified.
We only publish an offer when the terms have been confirmed with the partner. Offers show their last verified date, and any campaign that lapses is replaced automatically with a neutral notice rather than quietly left up. Read the affiliate disclosure.
Before using any code
Decide on the product before the reward
An offer is a time-limited route into a product, not a reason to need the product. Start with the job to be done: clean transaction records, a business account for daily payments, controlled spending or a defined purchase with a repayment plan. Then compare the product’s continuing costs, operating limits, eligibility and customer-service fit with the business rather than valuing it through the sign-up reward alone.
A reward can be conditional on onboarding, spending, a deposit, an account type or a deadline. It may be withdrawn, delayed, taxed differently for a particular business or offset by a fee, interest or cash that needs to remain unavailable. Read the full offer page and current provider terms before beginning, and use the code that applies to the campaign you actually intend to join.
Full terms, qualification steps and exclusions for the Tide referral code REFER200 →
Full terms, qualification steps and exclusions for the Capital on Tap promo code SETTINGUP →
A short decision checklist
Five checks before you follow an offer link
- 1. Define the decision without the reward. Write down the ongoing job, not the marketing message. For example: separate trade payments from personal spending; issue a controlled card for recurring software; or finance a named business cost with a realistic repayment source. If there is no product need without the reward, stop there.
- 2. Check the product can absorb the business’s real pattern. Look at account type, transaction routes, plan and usage fees, cash-access needs, integrations, payment timing and operational support. A product that is inconvenient after the reward ends is not made suitable by a short campaign.
- 3. Read the qualification route in order. Confirm who can apply, whether you are a new customer, where the code must appear, the qualifying action, deadline, exclusions and when the provider says the reward is paid. Screenshot the code field and retain application, transaction and account evidence until the reward has arrived.
- 4. Calculate the full cost and cash effect. A savings condition can reduce available working cash; a paid plan or transaction fee can reduce a reward; a credit-card balance can accrue interest. For a credit decision, test whether the balance can be cleared under the current terms and statement timing rather than assuming a reward will cover the cost.
- 5. Keep the fallback option visible. Use a neutral account, defer a purchase, seek a customer deposit, chase a specific invoice, alter the scope or obtain qualified help where appropriate. An offer is optional; it should not force a deadline or a financial commitment the business has not already assessed.
The offer conditions and the product risk are separate checks
| Question | Business account offer | Business credit-card offer |
|---|---|---|
| Core decision | Whether the account makes records, payments and day-to-day banking more workable. | Whether controlled business spending and a defined repayment plan justify a credit facility. |
| Offer condition to examine | Onboarding, card-spend, deposit, account-plan and savings-access conditions. | Approval, code entry, qualifying transaction, points timing and campaign deadline. |
| Ongoing risk to examine | Fees, transaction routes, access to cash and whether the account works after the campaign. | Interest, fees, repayment timing, credit-file impact and any personal guarantee exposure. |
| When to step away | If conditions make normal banking or essential cash access harder than the benefit justifies. | If the business is already short of cash, cannot clear the balance as planned or needs credit to cover a persistent gap. |
How offer terms, disclosure and changes are handled
Each offer here has a last-verified date and a dedicated terms page. The offer data is maintained centrally so a paused or expired campaign can be replaced by a neutral notice rather than left as a reward-led call to action. Provider-published terms and the approved partner campaign control if they differ from a summary on this site. A date is a transparency marker, not a promise that a campaign will still be available later today.
Founder Finances may receive a commission if a reader follows a partner link and opens an account or is approved for a credit facility. The offer modules are labelled before the action, and commercial relationships do not buy editorial conclusions, remove limitations or allow a partner to choose a review outcome. See the full affiliate disclosure and the product review or comparison page for its separate editorial assessment.
Keep evidence if a qualification milestone appears to be missing: the application date, code-entry screen, approval notice, dated qualifying transaction and any provider case reference. Contact the provider through its current support channel first, using the campaign terms to describe the issue. If a Founder Finances summary appears inaccurate, report the page URL and the provider source through the contact page so it can be checked.
Borrowing money costs money
A credit product is not suitable for covering an unpaid tax bill, rent, payroll, supplier arrears, an emergency cash gap or a shortfall with no realistic repayment plan. Approval is never guaranteed, and a personal guarantee can expose the guarantor to personal liability. The site suppresses Capital on Tap application promotion in debt, distress, unpaid-tax and unsafe tool or journey outcomes. If an essential payment cannot be met, address it early with the relevant creditor or authority and use free debt support such as Business Debtline before taking on further borrowing.