The most common thing we hear on calls is some version of “we’d spend more, the money just isn’t in yet.” Cards and capital are live to fix that. You pick one mode at setup. Debit mode funds each card from a balance you load. Capital mode funds this month’s ads while last month’s leads are still closing. Both give you unlimited virtual Visa cards, a cap on each card, and no card fees. Both are live today for US companies.
Waiting on cash is a real ceiling, and it has nothing to do with how well the ads are doing. Take it away and the business grows at the speed your ads return money, not the speed your customers pay you. Sign up and choose your mode.
Why does ad spend need its own card?Link to this section
Because most business cards are built for office supplies, and ad spend does not move like office supplies. You pay for ads today. You get paid weeks later. In between, you fly blind.
I have watched what happens when the card does not understand that. A new ad account tests a card with small charges first. Two dollars, then five, then ten. Then a real bill lands. Amex read that pattern as fraud on one of our accounts and locked the card. The ads stopped. Meta took about five days to relearn what it had lost, and two to three weeks of expected revenue moved with it. The issuer did nothing wrong. The card was just not built for how ad spend moves.
Your account is not being singled out. The head of risk for Visa in Australia said ads are one of the biggest sources of card fraud. So issuers watch ad charges closely, and cut limits quietly. More on that in Amex cuts advertiser card limits.
A card built for ad spend has to work the other way round. It should expect the ramp. It should cap the damage on the night an account gets hacked. And it should be funded by money you control, or by a limit set by how the business is doing now.
What ships today?Link to this section
Two modes, one choice at setup, and the same card controls underneath both. Debit mode spends money you have already loaded. Capital mode spends money Flyweel funds for the month.
| Debit mode | Capital mode | |
|---|---|---|
| Where the money comes from | A balance you load | Flyweel funds this month’s ads |
| What sets the ceiling | Your loaded balance. Spending stops at $0 | Your business and revenue performance |
| Who it suits | Teams that want a hard cap on card spend | Teams whose leads close weeks after the ads run |
Both modes share the same controls:
- Unlimited virtual Visa cards. They work on any ad platform that takes Visa. No integration needed.
- Assign cards to media buyers, platforms, or accounts. Cap or cancel one without stopping the rest.
- Each card is locked to ads and marketing. Charges outside those controls get declined.
- Alerts at 50, 75 and 100% of a card’s monthly limit. Alerts also fire when a charge is declined, and when a card is issued, frozen or cancelled.
- Disputes start from Activity. Monthly statements sit in the same place.
The detail for each mode is on debit cards and performance capital.
How does Capital mode work?Link to this section
Capital mode pays for the ads you want to run this month, while the leads from last month are still turning into deals. A roofing firm books the job in March and gets paid in May. The ads still have to run in March. You scale the campaigns that are working instead of waiting on cash to land.
Your limit follows business and revenue performance, not personal credit. Applying takes about five minutes. There are no credit checks, and applying does not affect your personal credit score. It is a pay in full charge card, and the statement balance is debited monthly.
That is the mechanism. The point is what the limit is judged on. A bank looks at last year’s tax return. It cannot see the campaign that started working on Tuesday. This is not money built for a fit-out or a truck. It is money built for ad spend, so the ceiling moves with the thing you are funding.
Take James. He runs a solar firm and buys panels in bulk, so big sums of cash leave months apart. In the weeks after a panel order, he had to throttle the ads. Those same ads were booking installs. The growth was real. The cash was just sitting in a shed. Capital mode is for those weeks.
How does Debit mode work?Link to this section
You load a balance. Cards draw from it. When the balance hits $0, spending stops. There is no debt and no credit underwriting. A law firm running paid search across three practice areas can give each one its own card and its own cap.
The reason to want a hard cap is not tidiness. It is the night it goes wrong. A media buyer I know was hacked through a hotspot in Italy. At midnight on a Saturday, the attackers pushed his spend into a scam Bitcoin campaign. They burned about $90K as fast as they could. The team was locked out. The card provider could not help. Getting the money back from Meta took nine months.
Now run that night again on a card with its own monthly cap. The alert fires at 75%. The next charge goes past the cap and gets declined. That one card stops. The other cards keep spending, so the campaigns that are working stay on.
What does it cost?Link to this section
Nothing to issue a card, load it, or spend on it. That holds in both modes.
We charge for the platform, not for moving your money. Spend over $25k a month on cards and you pay $0 for Flyweel, with unlimited ad accounts. Your card spend covers the platform. Early adopters get their first 3 months at $0 with no minimum spend, plus white-glove onboarding to get you spending in week one.
We do not take a cut of your ad spend. A cut costs you more at the exact moment a campaign starts to work. That is a strange thing to charge for. Plans are on pricing.
What can’t it do yet?Link to this section
Three things. Cards and capital are US only, you pick one mode at setup, and accounting sync is not built yet. Being clear about the edges is cheaper than a support ticket:
- US only. Cards and capital are US only today. The reporting platform and the agent work globally. Tell us your country at signup so we know where to launch next.
- One mode per account. You pick debit or capital at setup. Switching modes in the app is not supported yet.
- Accounting sync. Activity shows the merchant, amount and status of each card charge, and your monthly statements sit in the workspace. Connect QuickBooks Online from Account actions to push card transactions into your books. Xero stays on invoice reconciliation.
- Alerts are per card, per month. The 50, 75 and 100% alerts track a card’s monthly limit, not a campaign budget. Want a tighter alert? Give each platform or ad account its own card.
Why build the money layer under the reporting?Link to this section
Because a report tells you what happened. It cannot change what is happening. Media buyers came for the reporting. The money layer is what makes those numbers worth acting on.
The cards, the limits, the ledger and the funding all run on one live record of spend and returns. Nothing gets stitched together at month end. And growth never waits on cash.
We are not a dashboard on top of your bank.
Get startedLink to this section
Pick your mode at setup. It takes about five minutes, with no credit checks and no sales call.
- See each mode on performance capital and debit cards.
- Read the cards docs and the capital docs.
- Check the cards and capital FAQ.
- Compare plans on pricing.
Cards sit behind the owner and admin roles, so set them up from one of those logins. If your media buyer needs an account first, start with invite your team.
