Merchant finance
Connect financing to the way your business gets paid.
Finanzer is developing a merchant-finance approach built around trading activity, settlement evidence and a defined repayment arrangement.
Read the trading record before structuring the credit.
Settlement history, refunds, disputes and existing obligations help explain the merchant’s cash flow. The proposed facility must fit that evidence.
Keep settlement and repayment connected.
The agreement determines how incoming cash is treated.
Assess the activity
Review eligible merchant and settlement evidence.
Agree the facility
Define funding, costs, repayment and responsibilities.
Track incoming funds
Reconcile receipts and any contractual allocation to repayment.
Handle exceptions
Investigate refunds, disputes and changes in trading activity.
A reward programme has its own funding.
Merchant contributions can support cashback on eligible activity. Reward eligibility, settlement and refunds belong to the programme record, separate from the loan obligation.
Understand merchant rewardsNo. A rewards programme can use the programme and ledger services without creating a credit facility.
That depends on the final arrangement. No universal deduction mechanism is promised.
Discuss financing for your merchant business.
Describe what you sell, how payments reach your business and what you need to fund. We can then discuss the evidence and repayment approach.