Small merchants can't get traditional bank loans — 80% are rejected. MCA industry charges factor rates of 1.2–1.5x (equivalent to 40–150% APR). Application processes take days with paper documents. Repayment models don't adapt to slow sales periods. Predatory lending practices damage merchant health.
Transparent merchant cash advance platform with fair pricing, instant underwriting based on POS transaction data, daily repayment that flexes with sales volume, and clear total cost disclosure — bringing integrity to an industry that needs it.
Restaurants and retailers with strong card transaction volume, service businesses needing working capital without collateral, and seasonal businesses needing cash flow bridges
POS data makes instant underwriting possible. Open banking reduces fraud risk. Merchants need fair alternatives to predatory MCAs. Embedded lending at POS drives conversion. Daily automated repayment reduces default risk.
Factor rate: 1.15–1.35x advance amount (15–35% total cost). Example: $100K advance repaid as $115K–$135K. Revenue from spread between funding cost and factor rate. Average advance: $50K.
SMB lending. Acquired by AmEx, lines of credit now, changed model
1.3–1.5x factor rates, predatory terms, hidden fees, stack multiple advances
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