Scroll down or click on a section below to learn more about what information is needed to complete the Divvy Credit Application.

Business information

Legal business name Please provide the legal registered entity name including LLC, Inc, or Corp.

Physical business address This is the physical location where your business utility bills are sent, where you pay your lease agreement, etc. PO Boxes cannot be accepted. Note: The Patriot Act requires that we collect and verify the primary registered physical address for both commercial and consumer accounts.

Mailing address Include if this is different from the physical business address. PO Boxes are accepted.

Entity type We need this for entity identification purposes.

Formation Date This is for underwriting purposes and helps us determine your credit limit.

Financial information

Business annual revenue We need this for underwriting purposes and it helps us determine your credit line.

Business tax ID / EIN # This is for business verification purposes. It also allows us to complete fraud and compliance checks with less documentation.

Desired line of credit This is how much credit your business requests. We suggest you request approximately 10% more than your highest monthly credit card spend. Note: You must spend at least 30% of your credit line each month to qualify for monthly points.

Secure bank connection This information is needed to create a connection between your business bank account and Divvy via Plaid, a financial technology platform that enables us to securely verify the financial health of your business. Plaid cuts down on documentation required and speeds the application process by allowing us to view your bank balance and transaction history. We also use the linked account for monthly verification that you still qualify for services. For eligible companies, we also offer the option for cash balance approval.


Choose your Divvy Rewards multipliers by selecting your billing cycle. This can be changed later if needed.

Note: You must spend at least 30% of your credit line each month to qualify for rewards.

Company Owners

Who is this? Company owners, also known as beneficial owners, are any individuals who own 25% or more of a company’s equity interests.

Why do we need this? In accordance with the Bank Secrecy Act’s Customer Due Diligence Rule, we require the personal information listed below to improve financial transparency and prevent criminals and terrorists from misusing companies to disguise illicit activities. This helps us prevent identity theft and application fraud.

The following information is required for any company owners added during the application process:

  • First name

  • Last name

  • Residential address

  • Phone number

  • Work email - this must be a unique email address that has been assigned to the individual

  • Date of birth

  • Social security number/Passport number

Note: Not all companies have company owners.

Divvy Administrator

This is the individual who will be managing your Divvy account. We require the personal information listed below to create their account.

  • First name

  • Last name

  • Phone number (office or mobile preferred)

  • Work email

Authorized Signer

This person will be responsible for signing the Divvy credit application. If you are not the Authorized Signer, you will be able to fill in the information and an email will automatically be sent inviting the Authorized Signer to complete the application. Upon signature, Divvy will perform a soft inquiry of the business and this person's credit (if applicable) to determine the best credit limit for your business.

Verification documents

If we are unable to verify any of the above information, we may reach out for documentation to verify the information provided for compliance purposes such as but not limited to business registration, personal ID, certificates of good standing, business bank statements, and business or residential physical address verification documents such as utility bills, or lease agreement.

If you have additional questions or need help with using Divvy, please view our other Help Center articles or contact the Divvy Support team.

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