Exponent

Overview

Exponent is a financial platform that provides lending, charge cards, and AI-powered CFO tools for multi-unit franchise operators[2]. Founded in 2024 by Sohel Roopani[3], the company underwrites individual operators rather than franchise brands[4]. Exponent's lending product operates through a unified deal room for applications, documents, and communication, with an average timeline of 3-4 weeks from application to funding[5]. The company also issues corporate charge cards through Cross River Bank, offering rewards of 3% on online shopping and 2% on travel and franchise operations with no annual fee, activated within 24 hours[5]. Exponent is developing an AI bookkeeping service designed to function as a financial operating system for franchise operators, currently in waitlist phase, that delivers real-time profit-and-loss statements and expense tracking[6]. In May 2026, the company raised $7.7M in Series A funding led by Era and Chailease, with participation from K8 Fund, Haza Foods, the Chunara Group, and angel Kyle Huzma, bringing total reported equity funding to $10M[3].

Exponent (Exponent Financial) is a financial platform for multi-unit franchise operators, combining lending, charge cards, and AI-powered CFO tooling. It underwrites operators rather than franchise brands. [5]

Exponent runs franchise loans through a unified 'deal room' for applications, documents and communication, advertising an average of 3-4 weeks from application to funded, plus corporate charge cards issued by Cross River Bank (3% online shopping, 2% travel and franchise operations, no annual fee) activated within 24 hours. [6]

Exponent is building an AI bookkeeping service that acts as a financial operating system for franchise operators, delivering real-time profit-and-loss statements and expense tracking; the product is in waitlist phase. [7]