Parker Commercial Credit Mastercard®

What is Parker?

Parker is a financial tool built for fast-growing ecommerce brands. Parker's main product is a credit card that gives businesses higher credit limits and extended payment terms to help smooth out cash flow. Parker also has a banking tool that provides secure business accounts and detailed financial analytics to help brands manage their finances more effectively.

What Does Parker Solve for Brands?

Parker solves the cash flow crunch that many ecommerce brands face. Their credit card gives you longer repayment periods and higher limits, letting you hold onto your working capital longer. Parker’s* banking service makes managing payments easier and offers stronger credit terms. Their analytics tool gives you a clear view of your profits, helping you make smarter decisions based on real-time data.

Parker Mastercard

Parker's Mastercard is made for ecommerce brands that need more flexible financing. It offers 10-20x higher limits than traditional cards and lets you pay off purchases over 30, 45, or 90 days. There are no hidden fees, and the approval process looks at your business’s cash flow. Trusted by brands like Amour Vert, Parker helps you scale without worrying about cash flow issues.

Parker Banking

ACH and wire transfers are also offered through Parker, with accounts that allows access to millions in aggregate FDIC insurance across network banks. It’s built to help ecommerce businesses get better credit terms and manage their cash flow seamlessly. With no hidden fees, it’s an all-in-one solution for simplifying financial operations.**

Parker Analytics

Parker’s analytics tool pulls your financial data into one simple dashboard. You’ll see real-time insights into your sales, ad performance, and profitability, so you can make smart, fast decisions that help your brand grow. It helps you track product-level performance and optimize your strategy based on clear, actionable data.

How Parker is Different Than Competitors

Parker offers brands flexible payment terms that adjust with business growth. Unlike traditional cards, Parker provides rolling 30, 45, or 60-day payment terms based on monthly sales, with no interest or fees. Its credit limits, which can scale up to $3M, are significantly higher than most credit cards on the market, and there’s no personal guarantee required.

Parker is built specifically for ecommerce. Their team deeply understands the cashflow struggles an ecommerce business can face and have built a credit, banking and analytics product suite to help brands manage spend, inventory purchases and cashflow.

Does Parker Mastercard Require a Personal Guarantee?

In order to maximize your credit limit, Parker may require a UCC or a personal guarantee in the alternative, upon discussion with you.

What Are The Requirements To Get a Parker Mastercard?

To qualify for a Parker Mastercard, Parker requires business to be profitable and doing over $1M in annual sales, or at least $3M to $5M in annual sales depending on profitability. Your company also needs to be US-incorporated. As you grow, Parker adjusts your credit limits.

What is The Credit Limit on the Parker Mastercard?

Parker Mastercard offers credit limits that grow with your business, ranging up to $3M, based on performance, profitability and cashflow.

^{*Parker is a financial technology company, not a bank. Card issued by Patriot Bank N.A., Member FDIC, pursuant to license by Mastercard International Incorporated.}

^{**Parker is a financial technology company, not a bank. Banking Services provided by Piermont Bank, N.A. The funds in your account are FDIC-insured up to $250,000 per depositor for each account ownership category.}