[NH] How to handle employee who can’t expense travel?

40 person company, a senior member of our staff has to travel to job sites as part of their role. It has always been part of the role, expectation is you pay for your travel, submit expense report and within a week we reimburse you. Typical trip is a single segment airline ticket, 1-2 nights hotel, rental car, meal). Travel 4-6x a year with a months notice. We have purchased airline tickets for folks before but had an issue with an employee not having the card when they checked in at the airport. Have also struggled with hotels requiring a physical card at check in. Total typical trip might cost $1000-1400 depending on flights. You can submit the flights as soon as you pay even before the trip.

So, we have a senior engineer who has told me they cannot pay for a trip this week because their credit cards are all maxed out. This person earns 6 figures, where they spend their money is not my business but after 7 years at our company they can’t pay for their travel and wait a week.

I am not sure what to do. Our owner called the local bank we have most of our accounts with and they could do a credit cards the company backs, but if the employee used it for non biz expenses we would have to take them to court to recoup. They don’t have a zero risk option for the employer.

Owner briefly chatted with Bank of America and the sales pitch was so hard the call was ended. Amex didn’t return the call. We have about $25k in travel expenses a year and don’t use a credit card for anything else so we are not an attractive customer.

We are an engineering firm, profits in the mid six figures annually, no one is getting rich.

What other options are out there for a small business?