Enable your merchants to access loans for working capital, float, and business growth.
There are over 400M MSME’s across growth markets globally, and most lack access to finance even while they’re growing their businesses.
Issue with assurance
Confidently issue cash and topup loans to merchants – supporting working capital, inventory, and float constraints – using credit scoring based on mobile transaction activity.
Create impact where it is most needed
Support aspirational but underserved small businesses and farmers, while also having the ability to control the what and where’s of expenditure.
Better insights equal better sales
Proactively offer new financial services to merchants – pushed via notifications, promotions, SMS messages – based on credit profiles.
Reduce float headaches
Transaction records show which e-money agents qualifiy for regular credit topup support for their float.
Build credit profiles on merchants and consumers and issue financial services accordingly.
Push new financial services to merchants via notifications, app promotions, SMS messages.
While defaults are low in micro finance, simple tools help manage defaulter access to services.
Use credit profiling to branch into new services such as delivery of micro insurance.