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Blog

How to get a business credit card for startups: complete 2025 guide

Author

Published

October 10, 2025

Read time

19 MIN

[Blog - Hero Image] Corporate card policy

I once met a founder who ran his entire startup business on a Wise account and his personal AmEx. (This is the stuff of finance nightmares, by the way.) He swore up and down his accountant had okayed it and that all was fine. 

Turns out, his accountant had not anticipated needing to spend literal days separating out grocery bills from break room snack restocks, which meant a hefty bill come tax time and a delayed filing. A few years later, he approached me about a role, but I turned him down. 

Mixing your business and personal spending isn’t just messy; it can damage your credibility and lead folks to take you less seriously. 

That’s why I always recommend dedicated business credit cards for startups. They make it easier to manage cash flow, track expenses, and start creating a business credit history that lenders can take seriously. In this article, we’ll look at how to apply for a business credit card as a new business, what it takes to qualify, and how to address any weaknesses in your profile.

Why startups need business credit cards

Think beyond team drinks and software subscriptions. A business credit card is really about building a financial foundation that you can use as a launchpad when you start to scale. Cards help your business separate finances, establish credibility with lenders, and access tools that make managing growth easier. The right card can even turn everyday business expenses into rewards and points. 

Separate business and personal finances

Keeping business and personal transactions separate protects your personal liability (and your privacy), and simplifies tax filing. It also shows banks and other lenders that you understand that your company is a stand-alone entity and not an extension of your wallet.

Build business credit history

Every on-time payment is one step closer to the business credit score you need to access more financing on better terms. Developing that history early and intentionally signals that your startup is stable and trustworthy. 

Manage cash flow and expenses

A card cushions gaps between income and bills, giving you room to squeak by when short-term cash flow dries up. It also protects against missed payments to vendors while you wait for client invoices.

Access to higher credit limits than personal cards

Issuers typically approve higher credit limits for businesses than for individuals. That little bit of extra capacity can be critical for covering payroll, equipment, or marketing campaigns without forking over your personal credit card.

Expense tracking and reporting benefits

Most cards come with reporting tools that categorize spending automatically. This makes it easier to budget, forecast, and prepare for tax season without clicking through endless tabs on innumerable spreadsheets.

Rewards and cashback on business spending

Cards often offer cash back or points in categories like software, travel, or office supplies. These perks, managed smartly, can offset costs and make necessary spending a little more productive. 

Business credit card requirements for startups

You’d be surprised at the amount of paperwork involved in a business credit card application, especially when banks make applying for personal credit so easy. Since even small businesses and startups typically ask for much larger lines of credit, however, banks expect to see more documentation. To succeed, you’ll need to provide documentation that the business is real, the owner is financially reliable, and the company has resources to pay.

Business formation requirements

Card issuers ask for documentation of your legal structure and your EIN because they need to tie the account to a recognized entity. This reduces fraud and makes it easier to report activity towards your business credit history correctly, and it’s a must for even the easiest business credit cards to get. You’ll need:

  • Legal business structure (LLC, Corporation, etc.)

  • Employer Identification Number (EIN)

  • Business registration and licenses

Personal credit requirements

A strong credit score and a personal guarantee can reassure card issuers that someone is accountable if the company doesn’t pay. It’s their way of lowering risk while still giving new businesses access to funding. You’ll need:

  • Personal credit score minimums 

  • Personal guarantee understanding

  • Social Security Number or ITIN

Business financial information

Revenue, time in business, and a healthy business bank account help prove stability. Lenders want concrete evidence that your company generates cash flow and has some kind of system in place to handle repayment. You’ll need:

  • Business revenue and income

  • Time in business considerations

  • Business bank account requirements

Business credit cards vs. charge cards for startups

A busy founder can be forgiven for confusing business credit cards vs corporate charge cards, but you need to understand the distinction. 

A business card usually requires a personal guarantee and a credit check, tying repayment back to your own personal credit history. That can help you build business credit, but it also means you’re the one on the hook if the company starts missing payments.

A corporate card, on the other hand, requires that you pay off the entire balance each month. These cards often plug straight into an expense management system to give you real-time control over company spend. (Important, when research shows that only 38% of finance leaders feel ‘very confident’ that employees spend responsibly.)

For startups, the pros and cons are clear. Business credit cards may offer more flexible financing, while corporate cards like Rippling help keep your spend in check while you build revenue.

Step-by-step guide to getting a startup business credit card

Getting your first business credit card as a startup isn’t necessarily complicated, but it does require some forethought. Too many founders get caught up in the marketing hype and rush to apply, only to end up rejected for entirely avoidable reasons. I recommend prepping for this like a funding round — which it essentially is — by lining up documents, cleaning up your personal profile, and thinking through what lenders want to see.

Step 1: Choose the right business structure

Pick your entity first. LLC, corporation, or sole proprietor, your choice affects taxes, liability, and the standards banks apply to your application.

Step 2: Obtain your EIN from the IRS

This is required for virtually any kind of business and easily done online on the IRS website. It’s free, instant, and almost every card application will ask for it.

Step 3: Open a business bank account

This is ‘Business 101,’ but in case it needs to be said: credit card issuers expect you to show up like a real company with clean books and accounting practices. Mixing business and personal funds is a huge red flag, even for sole proprietors.

Step 4: Build your personal credit score

Even business cards look at your personal profile. Pay on time and keep your balances low so you look as strong as possible on paper.

Step 5: Research startup-friendly credit cards

Compare features and benefits to find a card that actually meets your needs. I look for a card with a low annual fee, no or minimal foreign transaction fees, and a low to non-existent personal guarantee. Check to see if your preferred card is a true credit card with a revolving balance, or a charge card.

Step 6: Gather required documentation

Before you even think of clicking ‘apply,’ pull together your EIN, business bank account information, ownership details, and any supporting documents, like revenue estimates. 

Step 7: Complete the application accurately

When you’re applying for a business credit card, consistency matters. This is not the moment for typos, and make sure your business name, tax ID, and bank details match across every document.

Step 8: Follow up on your application status

Approved? Great! Your next step is to set spending controls and a corporate card policy immediately before distributing cards. If not, review the denial reason and correct deficiencies before applying again.

Best business credit cards and card alternatives for startups in 2025

The right business credit card or corporate card for your startup is one that fits your spending patterns and balances flexible requirements with real perks, like flat-rate cash back and travel points. Below, I’ll review eight startup-friendly options designed for founders.

1. Rippling Corporate Card

Annual fee: $0 

The Rippling Corporate Card is a corporate charge card tailored to startups and small businesses. It has no annual fee, no variable APR, and no personal guarantee, but offers 1.75% cash back on qualifying purchases (higher than other corporate cards in this roundup). Cards also link directly to the Rippling payroll, HR, and IT system, so automated expense tracking, approval workflows, and real-time control come standard.  

Is the Rippling Corporate Card right for you?

  • I’d recommend this if you’re looking for the benefits of cash back and want to integrate employee spend directly into HR, payroll, and expense workflows to eliminate manual work.

  • I’d avoid this if you prefer a standalone rewards card without platform integration.

Rippling Corporate Card feature snapshot

Feature

Details

Annual fee

No

Variable APR

No, charge card with monthly payment in full

Rewards

1.75% unlimited cash back on eligible purchases

Employee cards

Unlimited physical and virtual cards, free

Expense management tools

Automated expense tracking, approvals, spend controls, HR/payroll integration

Travel benefits and protections

Network travel protections plus policy enforcement through platform

Foreign transaction fees

No

Personal guarantee required

No

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You’ve never had control over card spend like this

2. Ramp Corporate Card

Annual fee: $0 

A no-fee corporate charge card designed for startups, the Ramp Corporate Card gives you tablestakes features like 1.5% cash back and virtual and physical cards. It’s a bit more labor-intensive than some of the other cards in this roundup. You’ll need to issue and cancel cards manually. That’s pretty consistent with the overall Ramp suite of spend and expense management tools, which don’t support automation for processes like reimbursements or approvals.

Is the Ramp Corporate Card right for you?

  • I’d recommend this if you need basic expense automation and no personal guarantee.

  • I’d avoid this if you need to carry a balance or want rewards higher than 1.5% cash back.

Ramp Corporate Card feature snapshot

Feature

Details

Annual fee

No

Variable APR

No, charge card with monthly payment in full

Rewards

1.5% unlimited cash back on qualifying purchases

Employee cards

Yes

Expense management tools

Yes

Travel benefits and protections

Limited, via Priceline

Foreign transaction fees

No

Personal guarantee required

No

3. Brex Corporate Credit Card

Annual fee: $0 

The Brex Corporate Card was designed with startups and growth companies in mind. If you spend in preferred categories, like travel and dining, the 7x bonus on points can align perks with expenses. That said, credit limits hinge on cash raised and your revenue, which can be a tough sell for new startups.

Is the Brex Corporate Credit Card right for you?

  • I’d recommend this if your startup values high category rewards.

  • I’d avoid this if your business doesn’t have significant funding or revenue or you prefer cash back.

Brex Corporate Credit Card feature snapshot

Feature

Details

Annual fee

No

Variable APR

No, charge card with monthly payment in full

Rewards

Up to 7x points on categories like rideshare, travel, software, and restaurants

Employee cards

Yes

Expense management tools

Yes

Travel benefits and protections

Yes, via third-party whitelabeled software

Foreign transaction fees

No

Personal guarantee required

No

4. Mercury IO Business Credit Card

Annual fee: $0 

Intended as a charge card for startups and small businesses that already bank with Mercury, the Mercury IO offers 1.5% cash back and no annual fee. To qualify, however, you need at least $15,000 in a Mercury account, and your balance determines your credit limit.

Is the Mercury IO Business card right for you?

  • I’d recommend this if you already have significant funds in Mercury and want a corporate card with no personal guarantee.

  • I’d avoid this if you can’t consistently hold the required minimum balance or want richer perks.

Mercury IO Business feature snapshot

Feature

Details

Annual fee

No

Variable APR

No, charge card with monthly payment in full

Rewards

Unlimited 1.5% cashback on all purchases

Employee cards

Yes

Expense management tools

Yes

Travel benefits and protections

Limited

Foreign transaction fees

Yes

Personal guarantee required

No personal guarantee; eligibility based on Mercury account balance

5. Capital One Spark 2% Cash Plus

Annual fee: $150

The Capital One Spark Plus 2% Cash Back works like a charge card and offers unlimited 2% cash back on all purchases. It does, however, require payment in full each month and carries a steep annual fee of $150, making it better-suited for businesses with strong cash flow.

Is the Capital One Spark 2% Cash Plus right for you?

  • I’d recommend this if you’re confident you can pay off balances monthly and don’t spend primarily in one category.

  • I’d avoid this if you plan to carry a balance or won’t spend enough to justify the annual fee.

Capital One Spark 2% Cash Plus feature snapshot

Feature

Details

Annual fee

$150, with statement credit refund after $150,000 annual spend

Variable APR

No, charge card with monthly payment in full

Rewards

Yes, 2% cash back on all purchases, 5% on hotels and car rentals booked via Capital One Travel

Employee cards

Yes

Expense management tools

Yes

Travel benefits and protections

Limited to Capital One Travel bookings

Foreign transaction fees

No

Personal guarantee required

Yes

6. Chase Ink Business Unlimited

Annual fee: $0 

Another straightforward cash back card, with the Chase Ink Business Unlimited credit card, you can benefit from 1.5% on any business purchase. This card also doesn’t charge an annual fee, and you won’t pay interest for the first 12 months.

Is the Chase Ink Business Unlimited card right for you?

  • I’d recommend this if you want easy-to-manage rewards and a 0% APR period to help smooth early expenses

  • I’d avoid this if you’re looking to leverage bonus categories or plan to carry balances long term.

Chase Ink Business Unlimited feature snapshot

Feature

Details

Annual fee

No

Variable APR

Yes, 17.49% to 23.49%

Rewards

1.5% cash back on all purchases

Employee cards

Yes

Expense management tools

Yes

Travel benefits and protections

Limited

Foreign transaction fees

Yes

Personal guarantee required

Yes

7. American Express Blue Business Cash Card

Annual fee: $0

The AmEx Business Blue Cash Card offers 2% cash back on qualifying business purchases up to $50,000 per year with no annual fees. I like that it includes 0% APR on purchases for the first year, which can be useful if you plan to make a big purchase.

Is the American Express Blue Business Cash card right for you?

  • I’d recommend this if you plan to make a significant purchase on the card right after approval.

  • I’d avoid this if your pending regularly exceeds the $50,000 rewards cap, or if you prefer travel rewards.

American Express Blue Business Cash feature snapshot

Feature

Details

Annual fee

$0

Variable APR

18.49% – 26.49%

Rewards

2% cash back on first $50,000 in eligible purchases each year, then 1%

Employee cards

Yes

Expense management tools

Yes

Travel benefits and protections

Limited

Foreign transaction fees

Yes

Personal guarantee required

Yes

8. Bank of America Business Advantage Unlimited Cash Rewards

Annual fee: $0

The Bank of America Business Advantage Unlimited Cash Rewards card can earn you up to 1.5% cash back on all purchases without an annual fee. To really unlock rewards, however, you need to be a Bank of America or Merrill account holder and part of the Preferred Rewards for Business program.

Is the Bank of America Business Advantage Unlimited Cash Rewards card right for you?

  • I’d recommend this if you want simple, flat-rate cash back and already bank with BoA or Merrill, otherwise, you won’t see much value from rewards.

  • I’d avoid this if you need category bonuses or plan to carry a balance, given that APR applies.

Bank of America Business Advantage Unlimited Cash Rewards feature snapshot

Feature

Details

Annual fee

$0

Variable APR

17.49% – 27.49%

Rewards

1.5% cash back on all purchases; up to 2.62% with Preferred Rewards for Business

Employee cards

Yes

Expense management tools

Yes

Travel benefits and protections

Limited

Foreign transaction fees

Yes

Personal guarantee required

Yes

Best business credit cards and card alternatives for startups overview

Card

Annual fee

Variable APR

Rewards

Employee cards

Expense management tools

Travel benefits and protections

Foreign transaction fees

Personal guarantee required

Rippling Corporate Card

No

No, charge card (monthly pay in full)

1.75% cash back, unlimited

Unlimited, free

Automated tracking, approvals, natively connected payroll/HR 

Network travel protections, policy enforcement

No

No

Ramp Corporate Card

No

No, charge card (monthly pay in full)

1.5% cash back, unlimited

Yes

Yes

Limited (via Priceline)

No

No

Brex Corporate Card

No

No, charge card (monthly pay in full)

Up to 7x points (travel, dining, software)

Yes

Yes

Yes, third-party software

No

No

Mercury IO Business Card

No

No, charge card (monthly pay in full)

1.5% cash back, unlimited

Yes

Yes

Limited

Yes

No (eligibility based on Mercury balance)

Capital One Spark 2% Cash Plus

$150 (refunded after $150k spend)

No, charge card (monthly pay in full)

2% cash back on all purchases, 5% on hotels/cars via Capital One Travel

Yes

Yes

Limited (Capital One Travel)

No

Yes

Chase Ink Business Unlimited

No

Yes, 17.49% – 23.49%

1.5% cash back on all purchases

Yes

Yes

Limited

Yes

Yes

Amex Blue Business Cash

No

Yes, 18.49% – 26.49%

2% cash back up to $50k/year, then 1%

Yes

Yes

Limited

Yes

Yes

BoA Unlimited Cash Rewards

No

Yes, 17.49% – 27.49%

1.5% cash back; up to 2.62% w/ Preferred Rewards

Yes

Yes

Limited

Yes

Yes

Common challenges startups face when applying for business credit cards

Most startup business founders run into at least one roadblock when trying to get their first card. The process isn’t impossible, but understanding what credit card issuers care about — and what makes them worry — can save you a lot of wasted applications. At the very least, understanding the business credit requirements startups face upfront will help you manage your expectations.

Limited business credit history

Lenders want to see a track record. New companies rarely have one. It’s the financial chicken and the egg. The workaround involves leaning on your personal credit score at first or using a secured or prepaid credit card that reports to credit bureaus until you have an actual business credit history. 

Low or fluctuating revenue

Irregular revenue also makes issuers nervous. One way to counter this is to show contracts, invoices, and other evidence of predictable cash flow so they know your credit line won’t sit unpaid.

Short time in business

If you’ve only been operating for a few months, your approval odds drop dramatically. Some credit card issuers will accept newer companies, but it’s often easier to wait until you’ve filed taxes or keep a business bank account open for at least a year.

Personal credit issues

Even with a company application, lenders still pay attention to your personal credit check results. A poor credit history or pattern of missed payments can block approval, which is why many founders focus on cleaning up their personal profile before applying.

Lack of collateral or assets

A business credit card isn’t the same thing as a business loan and usually doesn’t require collateral. Still, without assets or capital, some issuers will see you as higher risk. A secured credit card or corporate credit card may be a better fit if you just need an easy tool to fill the occasional financial gap.

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Issue corporate cards in the blink of an eye

Tips for getting approval for a corporate card for a startup

Applying for a business credit card or card alternative for startups can feel like a challenge, but there are ways to tip the odds in your favor. When I walk founders through their options, I emphasize preparation. How you present your company and your own credit history makes a huge difference. The strategies below can help increase your odds of startup business credit card approval without wasting time on repeated denials.

Consider secured business credit cards as stepping stones

If you keep hitting walls with approvals, a secured credit card may be your smartest move. Putting down a security deposit lets you establish a credit line that reports to credit bureaus and, over time, develop a business credit history. It’s not as flexible as a “real” credit card, but it can pave the way to more financial flexibility and help fill gaps.

Apply with a strong business plan

Lenders don’t always require a plan, but I’ve seen it help. A well-thought-out roadmap shows that you’ve considered risk, growth, and how you’ll manage business expenses. For some issuers, this can offset limited credit history or low revenue. Think of it as demonstrating that you understand startup business credit card requirements before the issuer asks.

Demonstrate consistent business revenue

This is especially important if you’re considering a business credit card for new companies that don’t have much history. Steady revenue signals stability, so showing predictable income through your business bank account makes approval more likely. Issuers want to see that you can handle a credit limit responsibly, so documenting sales is an important complement to any projections you submit.

Maintain excellent personal credit

Even if you’re applying under your company name, your personal credit score still matters — a lot. Many applications involve a credit check and the potential for a personal guarantee, and keeping your finances clean gives credit card issuers fewer reasons to hesitate. 

Consider business credit cards or card alternatives with no personal guarantee

Some cards, like Rippling, don’t require a personal guarantee or tie your application to your own credit history. These are rare, but if you qualify they can help keep your personal and business finances tidy. For a lot of business owners, that distinction is one worth prioritizing, especially if you’re also in the market for, say, a mortgage. 

Apply during business growth periods

Timing matters. Submitting an application when you’re signing new clients or scaling operations can boost your odds. Growth shows momentum, which makes you look like a safer bet. Pairing that momentum with clean books and consistent revenue is often enough to push you over the line.

Alternatives to traditional business credit cards

Not every startup business will qualify for a traditional business credit card, especially if you have limited credit history or aren’t yet posting revenue. I usually point founders to a few alternatives that can help them manage expenses while they work on developing their credit profile. Each option comes with tradeoffs, so the right fit depends on how much flexibility you need and your personal risk comfort level.

Corporate charge cards (like Rippling)

A corporate card works slightly differently than a typical credit card. It’s typically a charge card, meaning you pay the balance off in full each month instead of carrying a balance month to month racking up interest with a variable APR. 

I recommend Rippling’s card because it doesn’t require a personal guarantee or a credit check, and it can tie directly into your company’s expense management system. For business owners who want to keep personal and company finances separate, this can be the safest way to start building business credit history.

Business lines of credit

Some founders skip cards altogether and apply for a line of credit. A line gives you flexible access to cash when you need it, with repayments terms closer to business loans than a card. The catch? Banks usually want to see revenue and some operating history, so this option may be out of reach for a brand new business. Still, once your startup has cash flow, a credit line can provide more breathing room than a card’s credit limit.

Business credit cards with co-signers

Another path is using a co-signer with a stronger credit score. This is less common, but can work for family-run startups or sole proprietors with supportive partners. The co-signer shares liability, which means they put their credit history and score on the line. I tend to think of this as a short-term fix while you establish business credit history — not ideal, but a means to an end in a pinch.

Secured business credit cards

If you don’t like the idea of submitting your personal credit history for review, a secured credit card may be your best fallback. These require a security deposit, which becomes your credit line. Issuers report your activity to credit bureaus, so you still get the benefit of building credit history, without the risk of overspending. The downside is that you have to tie up some capital and pay an annual fee, but it’s a clear way forward if you’ve got bad credit or no history Options like Mastercard secured or the OpenSky secured Visa fall into this category.

Streamline startup finances with Rippling's Corporate Card

Rippling Corporate Cards unify employee and spend data, allowing you to create hyper-custom card policies and automate control over how, when, and where employees can spend. By connecting corporate card usage directly with employee data, Rippling gives you precise control over spending and policy enforcement, leading to better financial oversight with less administrative work. Enforce spend exactly the way you want — automatically. And all from the same unified platform that manages payroll, HR, IT, and more for your startup as you scale

Automated spending controls are only the beginning. Rippling is the best corporate card alternative for many other reasons: Instant virtual cards, rewards for every eligible dollar you spend. 

Through Rippling’s spend management suite, you get comprehensive, automated expense management, removing hours of tedious, administrative work from your expense management processes and gaining unprecedented control over spend, with global hiring and benefits support built into the same system, so your startup can grow without adding disconnected tools.

With Rippling you get:

  • An all-in-one platform combining payroll, HR, benefits, and corporate card

  • No personal guarantees or credit checks required

  • Automated expense management and reporting

  • Real-time spending controls and approval

  • Easy scaling from startup to enterprise

The Rippling Effect is REAL!! At a startup, there are a lot of unknowns and firsts, and processes are not always in place (or maybe they are, but they are not always as efficient as they could be from the get-go). I didn’t really notice just how crazy and time-consuming things were until we implemented Rippling.

Rippling Customer

People Ops Manager at Aptera Motors

FAQs about getting business credit cards for startups

Can I get a business credit card with no business revenue?

Yes, you can get a business credit card without revenue, provided you’re willing to pay a personal guarantee and have an excellent individual credit score. It’s also common to list projected income or other sources when completing a business credit card application for startups, though issuers tend to treat these numbers with caution. If you’re approved, expect a limited credit line until you can prove reliable cash flow and a solid business credit history.

How long should I wait after starting my business to apply?

You should generally wait a few months after launching to apply for a business credit card. This gives you time to open a business bank account, establish some revenue, and begin establishing a business credit history, all of which you’ll need for a successful application. If you apply too early, issuers may weigh your personal credit score more heavily or insist on a personal guarantee.

What if I get denied for a business credit card?

If an issuer denies your application for a business credit card, your first step is to review the denial notice. It should explain the issue: your credit score, lack of credit history, or something else. From there, you can work on improving your profile, like paying down your existing debt or opening a secured credit card to build business credit. Some business owners reapply with another issuer with different standards, but it’s important to space out applications to avoid multiple hard credit checks.

Do I need a business plan to get approved?

No, you typically don’t need a full business plan to get a business credit card. Issuers focus more on your credit history, revenue, and whether you’re willing to provide a personal guarantee. That said, having a plan in place can help you manage spending and use the card responsibly to build business credit. Lenders typically care more about real numbers than projections, but a business plan can create internal accountability that helps prevent you from overextending your credit line early on.

Can I use my SSN instead of an EIN for business credit card applications?

Yes, some credit card issuers will allow you to apply with just your SSN, especially if you’re still in the process of setting up a business bank account or don’t yet have an EIN. Keep in mind, though, that using your SSN usually means a hard pull on your personal credit history and may tie the card to a personal guarantee. If you want to build business credit, getting an EIN and applying under the company name is a stronger choice.

How do business credit cards affect my personal credit?

A business credit card can affect your personal credit if the issuer requires a personal guarantee or reports activity to consumer credit bureaus. That means missed payments or maxed-out balances could dent your credit score, even if the charges were on the business card and related to business expenses. Some cards do keep reporting separate, but many don’t, so it’s worth checking the fine print before applying to know exactly what risks you’re taking on.

The only corporate card with a built-in back office

Disclaimer

Rippling and its affiliates do not provide tax, accounting, or legal advice. This material has been prepared for informational purposes only, and is not intended to provide or be relied on for tax, accounting, or legal advice. You should consult your own tax, accounting, and legal advisors before engaging in any related activities or transactions.

Author

The Rippling Team

Global HR, IT, and Finance know-how directly from the Rippling team.

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