Repeated work
The business rebuilds its file. The lender checks it again.
Finanzer · A new way to connect capital
Capital should move as fast as business.
We’re building a network that connects business financing with AI credit operations, stablecoin settlement and on-chain records, from the first review to the final repayment.
Why Finanzer
Business financing still moves at the speed of paperwork.
Sales, payments and orders create new information every day. When those records sit in separate systems, a financing request starts with the work of putting them back together.
Expensive to operate
Underwriting, monitoring and servicing all add to the cost of credit.
Disconnected payments
Approval, delivery of funds and repayment still need to be matched across systems.
Our aim
Cheaper. Faster. More.
Make good credit less expensive to operate, easier to assess again and accessible to more suitable sources of capital.
Lower operating costs
Use shared records and automation to reduce the work surrounding each financing decision.
Faster repeat decisions
Build on an existing business profile instead of assembling a new file every time.
More sources of capital
Match eligible opportunities to lenders by asset, currency, duration and risk.
From approval to repayment
Connect the credit decision to the money.
A financing decision is only the start. Finanzer’s design connects the approved facility to funding, payment confirmation and repayment. Supported stablecoins provide a settlement route; the credit record keeps each movement tied to its purpose.
Credit agreementApproved payment instruction
Capital provider
Bank funds or stablecoinsSettlement route
Transfer; convert currency if neededBusiness or supplier
Bank account or supported walletRepayment
- 01
Repayment
Business pays its obligation
- 02
Reconciliation
Receipt matched to the facility
- 03
Payment allocation
Principal, interest and fees recorded
Currencies and repayment terms follow the credit agreement.
The economics
Less work around every loan.
Funding, review, payment handling and recovery all contribute to the cost of credit. Finanzer’s design targets the repeated work in that process.
Funding
The cost of supplying capital.
Underwriting
The work of checking and pricing an opportunity.
Risk
Expected losses and the capital held against them.
Servicing
Monitoring, payment handling and recovery.
Margin
The return required by each provider.
Together, they shape what the business pays.
The network
One network. Different ways to participate.
Each participant brings something different. The operating model connects them without mixing their responsibilities.
Platforms & merchants
Financing and incentives inside an existing customer relationship.
Explore Finanzer Commerce
The operating model
Capital providers supply the money. Finanzer connects the work.
Business Capital, Commerce and Embedded Finance share credit, settlement and repayment services. Each product keeps its own terms and risk limits.
- 01
Verify
Link business records to their sources.
- 02
Underwrite
Assess the asset and resolve exceptions.
- 03
Match
Find capital within agreed mandates.
- 04
Fund
Track the payment instruction, transfer and receipt.
- 05
Service
Track obligations and reconcile payments.
- 06
Recover
Coordinate the response when repayment breaks down.
Business Capital
The next financing request should start with what you already know.
A reusable business profile brings verified records and repayment history into the next review. New requests add context instead of starting the file again.
Follow the request, understand the terms and track what needs to be repaid in one place.
Finanzer Commerce
Turn financing into a better customer offer.
Connect merchant capital, funded promotions and rewards to the purchases behind them. Set the rules, identify the funding and follow each reward through settlement.
Merchant budgets fund the incentive. Transaction records show what qualified and what was paid.
Capital Network
Choose the exposure. Keep the operating record in view.
Set the assets, markets and risks your institution is prepared to finance. Follow the matched opportunities through monitoring, servicing and recovery.
The mandate defines the allocation. Each asset keeps its evidence, decision history and repayment record.
Embedded Finance
Bring capital into the product your customers already use.
Finanzer’s integration model separates the customer experience from the credit operations behind it.
Hosted
Use a Finanzer-hosted journey.
Embedded
Bring financing components into your product.
API
Build the experience around connected services.
Go deeper
Understand what happens behind the offer.
Follow the credit review, the movement of funds and the process for missed repayments.
FinanzerFacility record
Payment status
- 01Instruction approvedAuthority to release funds
- 02Transfer confirmedEvidence from the payment provider
- 03Payment reconciledReceipt matched to the obligation
Stablecoins & Settlement
See how funding and repayments stay connected to the facility.
Follow the moneyBuild with Finanzer
Better business capital starts with the right conversation.
Tell us about the business you run, the customers your platform serves or the credit your institution wants to finance.
Learn how Finanzer works
For businesses, platforms, capital providers and partners.