KYB Onboarding

The Onboarding Flow

Four steps: email, verify identity, business details, card issued. That's it. No 20-page application. No bank statements. No three-week underwriting process. Your virtual card is ready to use the moment onboarding completes. Physical cards ship free within 5–7 business days.

Sole Proprietors Welcome

No EIN? No problem. SKOOR accepts SSN for sole proprietors. There's no minimum revenue requirement and no credit check for the basic card tier. If you have a business, you can get a SKOOR card. Spend limits increase as your Business Skoor grows.

Know Your Business Verification

KYB verification confirms your legal business name, address, and ownership structure. This is a compliance requirement — it protects both you and SKOOR. Verification typically completes in seconds using automated data sources. Manual review is rare and resolves within one business day.

Progressive Profiling

Start with the basics and add details later. Your initial card has conservative limits. As you provide more business information — revenue, bank connections, QuickBooks data — your limits increase automatically. No need to front-load paperwork. Build your profile at your own pace.

• Email to virtual card in under 2 minutes
• No EIN required — SSN accepted for sole proprietors
• No minimum revenue, no credit check for basic card
• Progressive profiling unlocks higher limits over time