Caary is a digital credit, lending and payments platform, offering a corporate credit card for SMEs, including start-ups. It enables these businesses to better access credit and manage their spending, through a cashflow based adjudication model, provision of virtual and physical credit or payment cards to employees, utilizing a digital dashboard for receipt, card, spend, and expense management, and integration to the accounting system, eliminating time-consuming reconciliation. The company was founded in 2019 and is based in Toronto, Canada.