Hospitality financial platform

The financial platform
built for how
professional hospitality operates.

Operators concentrate their spending where their current financial tools reward nothing — the wholesale vendors, payroll, and platforms that keep a kitchen running. MISE was built to close that gap, across purchasing, banking, and capital.

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New operators: your first year is on us.

MISE Terracotta metal card

The MISE platform

One platform for the full cost structure of a hospitality business.

Purchasing, banking, and capital — built around how operators actually run, not how consumers spend. The card program anchors the platform today; banking and lending extend it.

01 — Card program

Terracotta

Terracotta

A card program that rewards where hospitality operators actually spend: wholesale food and beverage distributors, staffing and payroll, software — plus a quarterly bonus category. Terracotta serves the focused independent operation.

Explore Terracotta

02 — Business banking

Banking

[Business banking accounts built for the cash flow patterns of professional hospitality operations. Details to follow.]

Cardholders who make MISE their operating account — their card-sales deposits land in their MISE account — earn 3% on food and beverage wholesale instead of 2%.

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03 — Lending & credit

Lending

[Credit lines and lending products designed around the capital requirements of operating hospitality businesses at scale. Details to follow.]

Coming to the platform

The MISE Approach

Everything in its place.
Including your working capital.

Mise en place

/ˌmēz ɒn ˈplas/

The discipline of having every tool, every ingredient, every resource exactly where it needs to be — before service begins. The philosophy that separates a functional kitchen from a great one.

01

Industry-native rewards

Built around the actual cost structure of hospitality — not consumer spending categories.

02

Operator-first design

Every decision made with an operator in the room. No lifestyle features. No unnecessary complexity.

03

Financial precision

Your margins are tight. Your financial tools should be just as sharp.

The card program

Built for how hospitality operators actually spend.

Terracotta is built for one way of running a professional hospitality operation: focused, hands-on, and disciplined about where every dollar goes.

MISE Terracotta card

The operative tier

Terracotta

The focused independent operation.

The entry point to the MISE platform for the chef-owner, catering director, or food vendor running a focused operation with kitchen-level discipline. The annual fee pays for itself in the first statement for any operator spending at scale in the reward categories.

3%* Unlimited on food & beverage wholesale — the distributors you buy inventory from. With MISE as your operating account; 2% otherwise.
2% Unlimited on staffing & payroll services
2% Unlimited on software & subscriptions
1% Unlimited on everything else
5% Quarterly bonus — a rotating category each quarter, on top of your unlimited rates. Activate it in the app; earns on up to $5,000 in purchases per quarter.

No caps on your everyday rates. Earned as points worth 1¢ each. Cash out whenever you like — to your MISE account or your card balance.

First year on us, then $249 / year — recovered in the first statement or two at any real spend volume.

* Food & beverage wholesale earns 3% when MISE is your operating account — your card-sales deposits (from Toast, Square, and the like) land in your MISE account. Otherwise it earns an unlimited 2%. Qualifying suppliers — wholesale food and beverage distributors such as broadline distributors, specialty food suppliers, and wholesale clubs — are listed in the app.

Seasonal Bridge

A carry feature built for hospitality's slow seasons — not a promotional rate.

Hospitality runs on a known calendar. January and February empty out; the post-Labor Day lull arrives on schedule; for caterers and event venues, the slow season is set twelve months in advance. The Seasonal Bridge is a permanent, opt-in low-rate carry feature designed around those patterns.

  • Elected monthly through a rolling window, or through a year-end advance election.

  • Permanent and recurring — not an introductory APR, a promotional rate, or a temporary offer.

  • The first carry product in the market built around predictable seasonal liquidity rather than a generic promotional period.

Preparation before the slow season is not a metaphor. It is mise en place applied to finance.

For wedding venues and catering companies whose calendars are structurally bare in winter, the liquidity gap is not a surprise — it is a planning certainty the Seasonal Bridge is built to meet.

What it returns

The card pays for itself on spend you're already making.

Set what you already spend each month and watch the value stack up against a price the first year removes entirely. No caps on your everyday rates; the math is shown in full.

Build your first-year value.

Enter your monthly card-captured spend in the reward categories. Adjust to your operation.

$20,000

Earns 3% back, unlimited · $7,200 / yr

$8,000

Earns 2% back, unlimited · $1,920 / yr

$1,500

Earns 2% back, unlimited · $360 / yr

Your estimated first-year value

$9,729

Points · F&B wholesale (3%) $7,200
Points · staffing & payroll (2%) $1,920
Points · software & subscriptions (2%) $360
First-year annual fee $249waived

Also included, at no added cost

  • 5% quarterly bonus category, activated in the app — on up to $5,000 a quarter ($1,000 / yr)
  • Seasonal Bridge low-rate carry, by election — no promotional clock
  • Spend categorized as it posts, with reconciliation built in
Your first-year price $249$0

$249 / year after the first. Values shown as points at 1¢ each.

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Or see it by operator type

Full-service restaurant

A restaurant running $10,000 a month in card-captured distributor purchasing through Terracotta, with MISE as its operating account.

Monthly card-captured F&B $10,000
Points at 3% $300 / mo
Annual fee, from year two $249
Fee recovered 1st statement

Catering company

A caterer putting $4,000 a month in specialty produce and warehouse-club runs on the card, with MISE as its operating account.

Monthly card-captured provisioning $4,000
Points at 3% $120 / mo
Per year, that spend alone $1,440

Event & wedding venue

A venue buying $5,000 in serveware, plating, and décor in Q4 with the quarterly bonus activated in the app — on top of weekly provisioning.

Q4 serveware & décor $5,000
Quarterly bonus rate 5%
Back that quarter $250

Figures reflect points, at 1¢ each, on card-captured purchasing at the applicable rate — the spend actually run on the card, not total vendor volume. Food & beverage wholesale examples assume MISE is your operating account (3%); without it, that spend earns an unlimited 2%. The quarterly bonus applies to up to $5,000 in purchases per quarter. Large accounts on net-30 terms may settle distributor invoices by ACH; Terracotta rewards the purchasing you capture on the card.

The structural gap

Hospitality operators run on margins most businesses wouldn't attempt — and spend the most where no card rewards them.

28–40%

Food & beverage cost

The largest single cost center across hospitality — paid to broadline distributors, specialty food suppliers, and wholesale clubs. No major business card rewards this category.

25–36.5%

Labor cost

Staffing, payroll services, and scheduling software — a significant, recurring operating expense widely ignored by existing business cards.

0

Competing cards with always-on distributor rewards

Before MISE, not one major business card offered always-on rewards on wholesale food distributor spend.

MISE rewards the suppliers where operators buy their inventory — not where consumers dine.

Broadline Full-line food & beverage distributors
Specialty Specialty food suppliers, wholesale
Clubs Wholesale clubs & buying clubs

Wholesale food and beverage distributors — the suppliers you actually buy inventory from. No other major business card offers always-on rewards on this spend. Consumer "dining rewards" recognize the diner paying for a meal — not the operator provisioning the kitchen. Qualifying suppliers are listed in the app.

Early access

Built for the way you
actually operate.

MISE is onboarding operators by business type and spend profile. Reserve your place on the platform.

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