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Rachel, you need a debit card solution with budget controls tied to your main account, not a credit line. Since Bill, Ramp, and Expensify are either too expensive or won’t approve you, look at nonprofit specific options like Crowded or prepaid platforms like B4B Payments and GiveCard.
They give you sub accounts, budgeted cards for each team, and deduct directly from your checking account. Solves the control problem without the credit headache.
