# Understand the financing before the terminology.

Canonical page: https://finanzer.ai/learn

> Start with the business need, then explore the economics, the credit process and the infrastructure behind it.

Start with the business need, then explore the economics, the credit process and the infrastructure behind it.

## Business financing

Understand cash flow, borrowing costs and the types of credit available.

### Working capital

Finance the gap between paying suppliers and receiving customer cash.

[Explore Working capital](https://finanzer.ai/learn/working-capital)

### Why business credit costs

What review, servicing, risk and capital contribute to the price of a loan.

[Explore Why business credit costs](https://finanzer.ai/learn/why-business-credit-costs)

### Private credit

Lending outside public debt markets, and the obligations behind it.

[Explore Private credit](https://finanzer.ai/learn/private-credit)

### Merchant rewards

Where a merchant-funded reward comes from and what makes a purchase qualify.

[Explore Merchant rewards](https://finanzer.ai/learn/merchant-rewards)

## Credit and repayment

How evidence is reviewed, risk is shared and missed payments are handled.

### AI and credit decisions

How evidence, exceptions and decision authority connect.

[Explore AI and credit decisions](https://finanzer.ai/learn/ai-and-credit-decisions)

### Risk capital

Who absorbs specified losses, and how the contract sets those limits.

[Explore Risk capital](https://finanzer.ai/learn/risk-capital)

### Missed payments and recovery

Follow an exception beyond the expected payment date.

[Explore Missed payments and recovery](https://finanzer.ai/learn/missed-payments-and-recovery)

## The infrastructure

How stablecoins and on-chain records fit into the lending process.

### Stablecoins in business finance

Understand funding, conversion and repayment currencies.

[Read the stablecoin guide](https://finanzer.ai/learn/stablecoins-in-business-finance)

### Onchain finance

Understand which parts of a loan can use on-chain infrastructure.

[Explore Onchain finance](https://finanzer.ai/learn/onchain-finance)

### How Finanzer works

The participants, products and economics of the network.

[Explore How Finanzer works](https://finanzer.ai/platform)

## Learn questions

## Have a question about financing?

Tell us what you are trying to understand. We can discuss the business need, the credit process or the technology.

[Ask a question](https://finanzer.ai/contact?topic=Platform%20discussion#enquiry)

[How Finanzer works](https://finanzer.ai/platform)