The "Business Funds are lower than card's remaining limit" warning appears when the company's available balance in the card's currency is lower than the available limit on the card.
Although a given card's limit may be higher, the possible spending on pre-funded Float cards is limited by the company's available cash balance; all transactions require the business to have a sufficient funding balance in order to be processed.
How can I Resolve This?
If you are a Float Administrator on Cash:
You can top-up your organization's business balance from within Float at Banking > Accounts, either on-demand via Move Funds > Add or by configuring Auto-Funding to ensure a sufficient balance is always present.
We highly recommend configuring Auto-Funding so that both the transfer amount and the balance threshold are each sufficient to support at least five business days of typical spending and cardholders don't find themselves unable to use their Float cards.
Note that business funds are unique per currency; if you see this message on a CAD card you need to load CAD funds, and you need to load USD funds if you see this message on a USD card.
If you are a Float Administrator on Charge:
You can choose to pay down your balance by initiating a top-up to Float from your bank account or a transfer from your Cash balance.
To top up from your bank account:
Banking > Accounts > Move Funds, either on-demand via "Add" or by configuring Auto-Funding to ensure a sufficient balance is always present.
To transfer funds from your Cash account into your Charge account (immediate):
Settings > Banking > Accounts > Move Funds > Transfer
We highly recommend configuring Auto-Paydowns so that both the transfer amount and the balance threshold are each sufficient to support at least five business days of typical spending and cardholders don't find themselves unable to use their Float cards.
If you are a Spender or Manager:
If your transaction is declined and you see the decline reason "Insufficient Business Funds" in Float, you will need to ask a Float administrator at your company to load funds into your business' account.
Note that Float Support is unable disclose your company's remaining funding balance to non-administrators, but a Float administrator at your company may tell you so you're aware of how much you can spend.