The Nearside (formerly Zero) Business Startup Friendly is a fintech account from Nearside (formerly Zero) Business. The annual fee is $0. The ongoing APR is N/A (Charge Card). Rewards: 2.2% cashback on all purchases. Cash back: 2.2%. Typical credit limit: Based on cash flow. No credit check, no PG, no SSN required for basic card. Reports to D&B for business credit building. Ideal for new businesses with no credit history. | PG verification: While the product is marketed as not requiring a personal guarantee, some users have reported that a personal guarantee may be required based on the business's financials.