Business
A second profile on the identity you already verified.
One login and one identity check. The business gets its own balance, its own credit file, its own cards and its own facilities, and money moves between your profiles without a fee.
What the business profile holds
Everything a small business actually does with money.
Operating balance
CAD · SUNThis week
- Invoice #0142 · Harbour FreightPaid · $3,150
- Payment link · site depositPaid · $2,600
- Card · Fuel and tolls$1,620 of $2,000
- Transfer to personal profile$1,000 · no fee
Its own balance, wallet, invoices, links and cards. One login with the personal profile, and money moves between them without a fee.
On the screen
Cards for the team, invoices that collect, links that get paid.
A catering business on Wiremi: a card for each kind of spend with its own limit, invoices that carry their own payment link, links to share for deposits and orders, and a facility with every instalment in view.
Cards
One per kind of spend, each with a limit. Freeze any of them in one tap.
Invoices
What is outstanding and what is paid, and every invoice closes itself when paid.
Payment links
Fixed amounts or open ones, paid by card, Interac or a Wiremi balance.
Facility
The terms, the schedule, and paying it down early when the month is good.
Business credit
A new company has no record. Its owners do.
Business Community Credit runs on a 300 to 900 scale and is priced on the owners’ personal standing, in proportion to ownership. Every owner of 25% or more needs a personal Wiremi account, because that personal record is what the business is borrowing against on day one.
As the business builds its own conduct, with facilities repaid and instalments met, the file stops leaning on the owners and starts standing on itself. Watch the weight move.
Fatima's Kitchen · business credit
MONTH 12Borrowing
What you owe, and who the credit rests on
A live facility shows the instalment state, the option to pay early, the business credit tier, what you qualify for next, and whose personal standing the credit is resting on.
Lending
Idle cash behind other businesses
A funding wallet, the positions you hold, the rules you set, and the no-guarantee disclosure stated on the screen rather than buried. Borrowing and lending are separate surfaces and neither shows the other’s content.
Registration
Four steps to a business profile.
A business account sits on the identity you already verified. You are not starting from zero.
- 01
Details
The legal entity, what it does and where it operates.
- 02
People
Directors and ownership percentages, with signing power recorded.
- 03
Documents
Incorporation and the supporting documents for the entity.
- 04
Billing source
Choose the account fees are drawn from. There is no subscription. Then the setup checklist takes over.
The personal score runs 300 to 900 too, kept separate
Above it, a personal account is required
Personal to business and back
Questions people actually ask
- Do I need a second login for the business?
- No. One login, one identity check, and a profile switcher. The business is a separate profile with its own money, not a separate account you have to sign in to.
- How is a brand-new business assessed?
- On its owners. Business Community Credit is priced on the owners’ personal standing in proportion to ownership, which is why anyone holding 25% or more needs a personal Wiremi account.
- Can the business be paid from abroad?
- Yes. A client can pay an invoice in stablecoins to the business wallet address, and it comes out as Canadian dollars at a rate shown before you convert. Payment links and invoices work for local customers the same way.
- Is lending guaranteed?
- No, and the screen says so. The lending is unsecured and not insured, so the business funding it carries the risk. Wiremi facilitates and collects, and any recovery is returned pro rata after costs.
Small business
The books get done after the door is locked.
Wiremi Business is built for the hours a small business actually has: cards issued in a minute, spend visible without a reconciliation, and payouts that clear on the corridor the owner already uses.
Open the profile