# Connect financing to the way your business gets paid.

Canonical page: https://finanzer.ai/business/merchant-finance

> Finanzer is developing a merchant-finance approach built around trading activity, settlement evidence and a defined repayment arrangement.

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 rewards](https://finanzer.ai/personal/rewards)

## Merchant finance questions

### Does earning cashback mean taking out a loan?

No. A rewards programme can use the programme and ledger services without creating a credit facility.

### Are repayments automatically deducted from sales?

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.

[Discuss merchant finance](https://finanzer.ai/contact?topic=Merchant%20programme#enquiry)

[How the platform connects](https://finanzer.ai/platform)