Coworkers
The Business Card That
Small Retailers Qualify For
Independent retail stores, boutiques, and pop-ups — SKOOR gives you a corporate card, POS integration, and a statement analyzer to cut your processing fees. No $25K minimum. No credit check. Qualify by your Business Skoor, not your bank balance.
Why Small Retailers Get Left Behind
Inventory purchases on your personal card
You're putting $3,000–$15,000 inventory orders on a personal credit card because no bank will give a 2-year-old boutique a business line without a $50K deposit.
POS data is disconnected from expense tracking
Your Clover terminal tracks sales. Your bank tracks expenses. Your spreadsheet tries to connect them. Nobody has a real-time view of revenue minus costs.
Overpaying on processing fees
Your processor charges 2.9% flat rate on every transaction. Debit cards cost 0.80% to process. Rewards cards cost 1.80%. You're subsidizing expensive cards with cheap debit swipes — and nobody told you.
Seasonal staff tracking is a nightmare
You hire 3 extra people for holiday season as 1099 contractors. Come January, you're digging through Venmo history to reconstruct payments and chasing down W-9s.
How SKOOR Helps Small Retailers
A complete financial platform built for businesses that Ramp, Brex, and traditional banks overlook.
SKOOR Card for Inventory
Order from your wholesalers and distributors on a real business card. Auto-receipt capture. Expense categorized as inventory automatically.
Clover POS Integration
Import your daily sales data from Clover. See revenue alongside expenses in one dashboard. Know your real margin every day, not just at month end.
Statement Analyzer
Upload your processor statement. SKOOR's AI extracts every fee and shows exactly how much you'd save with interchange-plus pricing. Most retailers save $150–$400/month.
Seasonal Staff 1099 Tracking
Add every contractor. Collect W-9s digitally. Track payments all year. Generate 1099s in January — one click, no scramble.
Vendor Management
Track every supplier and wholesaler in one place. Payment history, account numbers, order frequency, and contact info — all organized by vendor.
Revenue vs. Expense Dashboard
See daily sales from your POS alongside daily expenses from your SKOOR card. Know your real cash position without opening three apps.
A Day with SKOOR
You own a boutique. Your inventory order from your wholesaler goes on your SKOOR card — receipt auto-captured. Clover POS imports your daily sales. SKOOR shows revenue in, expenses out, and your BHS score — all in one dashboard. Your current processor charges 3.2% flat. You upload last month's statement to the SKOOR Statement Analyzer — it shows you'd save $200/month on interchange-plus pricing. That's $2,400/year back in your pocket.
What You Get
- •SKOOR corporate card — no $25K minimum, no personal guarantee, limits based on your Business Skoor
- •Clover POS integration — see sales and expenses in one dashboard
- •Statement Analyzer — upload your processor statement, see IC+ savings instantly
- •Seasonal staff 1099 tracking with digital W-9 collection
- •Vendor management for suppliers and wholesalers
- •Business Skoor (0–1,000) that grows with your retail revenue — your credit limit grows with it
Build your business credit
while you build your store.
Get started for free. No credit check. No minimum balance. Your Business Skoor score qualifies you — not your bank.