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I was involved in setting up a new insurance company in the late 1980s and even then you needed well connected investors as well as a top law firm to smooth the way. Credit legislation has become even more onerous since then.
Perhaps a feasible path would be to co-brand your card with Visa or MasterCard. That is how the major department stores are implementing their store cards. Both David Jones and Myer have stopped issuing their own store cards for the reasons mentioned above.
Looks like you are walking down the same path in different places.
Though, have been back to testing salesforce in parallel with copilot for sales and it’s looking promising..
We're a small sales team of two and the more we use the product, the more we need features in their next tier of subscription level, only issue is they only do a 5 user minium at the next tier and I cannot justify paying for three unused user licences.
HubSpot free has done a decent job of bringing this into the 21st century, in a sort of workable manner.
But equally interested in something self-hosted. (And have played with a couple SH ERP systems such as Odoo, but haven’t been sold on the UI)