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Frequently Asked Questions

About us

What is Tribal?

Tribal is a financial platform meticulously designed to meet the unique needs of small and medium-sized enterprises (SMEs). We offer an array of financial services tailored for your business. This includes the ability to make payments to suppliers and collaborators anytime, 24/7, through both local and international payment networks. Our user-friendly dashboard not only enables you to track your expenses in real-time but also provides sophisticated controls over your spending and insights into your financial health. Additionally, we offer virtual VISA® cards at no extra cost for your team's use, as well as lines of credit that can go as high as $1,000,000 to help you effectively manage and grow your operations.

Are you a bank?

We're not a bank. Instead, Tribal is a comprehensive financial service that is linked with Visa®️ and other banking partners and payment networks. Our mission centers on providing businesses in growth stages with robust payment tools and flexible financing options. With our dashboard, clients can view real-time transaction data and manage each individual expense at the click of a button.

Where is your company located?

Our corporate headquarters are in San Francisco, California, and we operate remote offices in Phoenix, New York, Mexico City, Cairo, and Dubai, with a new location coming soon in Saudi Arabia.

Application Requirements

What are Tribal's credit line application requirements?

Tribal is a service tailored for business-to-business interactions, focusing on helping small and medium-sized enterprises grow and expand. If you're an authorized official of the company, you can start the application process by providing the last three months' bank statements, your company's articles of incorporation, and its tax ID number.

What is required to make an application?

You can apply for Tribal in just a few minutes directly from your computer. There's no need for collateral or extra documentation, as our sophisticated tools and AI technology help us make fast credit approval decisions. After approval, some additional verification may be required before account can be used in order to comply with local regulations or the requirements of our banking partners.

Apply today and rest easy knowing that we pride ourselves on a fee structure that is transparent and free from hidden charges.

Tribal Pay

What is Tribal Pay?

Tribal Pay is a short-term financing option that allows your company to access your credit line via an electronic payment system. With Tribal Pay, you can finance day-to-day operations while keeping your business cash flowing and automate payments that usually take up a lot of your team's time.

Are there any transaction fees when using Tribal Pay?

Currently there is only a monthly fixed fee based on the amount of utilization on your approved credit line. Best of all, Tribal Pay has a low fee for local or international transactions, as the intention is that you pay only for the capital used.

What kind of services can I pay with Tribal Pay?

Tribal Pay empowers you to make any transactional business payment you can envision, including payments to suppliers, equipment or office rentals, fees for external services or agencies, your team's payroll, and countless other possibilities.

Does Tribal Pay allow international payments?

Yes, it does, however, international transactions may be subject to an exchange rate based on the day and currency of the transaction. For your business's benefit, these types of transactions do not incur an additional charge to the approved credit line utilization funding rate.

What will my initial credit line be?

The initial credit line is tailored for each business, based on factors like need and credit capacity, which are evaluated during the underwriting process. Following approval, we continually reassess your spending limits to ensure they meet your business's evolving needs. You also have the option to request a credit line adjustment at any time.

What benefits does Tribal offer me?

Tribal provides a range of benefits that are typically difficult to obtain through traditional banks, giving your company easier access to powerful financial solutions.. With our credit line, you get solutions such as local and international transactions, unlimited corporate cards at no cost, an expense dashboard to monitor your team's operations, access to our exclusive travel platform for Tribal clients, incentives such as discounts, and much more.

What are the costs related to opening and using a Tribal account?

Unlike most traditional business loans, there is no origination fee for your credit line. We charge you only for what you actually use so that your business can thrive.

Corporate Credit Cards

What are corporate cards?

Tribal corporate cards allow you to use your credit line through virtual credit cards backed by VISA®. Your credit cards can be used at any VISA® authorized establishment, such as gas stations, travel agencies, restaurants, as well as for business expenses and many other types of transactions. Unlike credit cards, which can have a revolving balance, the cards are paid in full at the end of each billing period.

What are virtual cards and how do they work?

Virtual cards are digital versions of a card that can be used to make purchases anywhere online, in mobile apps or by adding them to digital wallets such as Apple Pay and Google Pay. Like any card, virtual cards have a 16-digit number, an expiration date and a 3-digit security code.

Some advantages of virtual cards is that they allow you to establish balances per card created, or generate temporary cards to prevent fraud in purchases.

Once a Tribal account is approved, virtual cards can be instantly issued with a single click and there is no limit to the number of cards that can be created. That means you can easily issue virtual cards to all employees. You can dynamically set card limits and block any excess spending or hidden subscription fees.

Where can I use my Tribal card and does it work worldwide?

Like any VISA® credit card, Tribal corporate cards can be used in commercial transactions anywhere VISA® is accepted, i.e., in most countries around the world.

Expense Management Dashboard

What are the features of the expense management dashboard?

You can monitor your team's operations and analyze business expenses wherever you are and in real-time. That is, you can do it from any device, whether a computer, tablet, or smartphone, as we have programs and applications for different operating systems. You can also perform dynamic categorization of expenses, i.e., analyze the distribution of expenses and validate the performance of each category. On the other hand, it is possible to instantly generate reports of your expenses.

Who in my team has access to the dashboard?

You can assign who in your team has access to the dashboard and for what role. In fact, you can add or remove users, as well as assign spending limits to anyone. Users with an Administrator role have full access to the company's movements, so they can analyze the transactions made, and users without an Administrator role have access to a personal management dashboard where they can manage their cards or review their movements.

Does the dashboard have any additional cost?

No, there are no additional costs for the dashboard; it's seamlessly integrated into the Tribal platform to help you control your finances.