# One network, from the business need to repayment.

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

> Businesses bring financing needs. Platforms bring customer relationships. Lenders supply capital. Finanzer is building the credit operations that connect them.

Businesses bring financing needs. Platforms bring customer relationships. Lenders supply capital. Finanzer is building the credit operations that connect them.

## Keep each participant’s role explicit.

Sharing an operating platform does not merge the contracts, assets or responsibilities of its participants.

### Businesses

Provide the activity, evidence and repayment source.

[Explore Businesses](https://finanzer.ai/business)

### Platforms & merchants

Connect financing and incentives to an existing customer journey.

[Explore Platforms & merchants](https://finanzer.ai/commerce)

### Capital providers

Choose mandates and supply lending capital.

[Explore Capital providers](https://finanzer.ai/capital-network)

### Risk participants

Voluntarily accept losses under defined protection terms.

[Explore Risk participants](https://finanzer.ai/fzr)

## The AI Credit OS connects the work around credit.

The intended process is continuous: verify, underwrite, price, match, monitor, service and recover. Each stage adds to the same record.

[Explore AI Credit OS](https://finanzer.ai/agent)

## Every participant needs a clear source of value.

The proposed commercial model keeps lending returns, protection premiums, operating fees and merchant reward budgets distinct.

### Businesses

Receive working capital and repay the agreed obligation.

### Lenders

Receive contractual lending income, subject to repayment and retained losses.

### Risk capital

Receives agreed premiums in return for defined loss exposure.

### Finanzer

Earns agreed orchestration and servicing fees.

### Merchants

Fund incentives connected to eligible customer purchases.

## Lending capital, settlement assets and protection do different jobs.

Banks and other capital providers fund the credit. Approved fiat or stablecoin rails move the money. FZR is a separate proposed route for participation and defined risk capital.

[Explore capital infrastructure](https://finanzer.ai/platform/funding-and-settlement)

## The relationship continues when a payment is missed.

Servicing links payments to obligations. Recovery adds the investigation, claim and resolution record when the expected payment does not arrive.

[Explore Risk & Recovery](https://finanzer.ai/platform/servicing-and-recovery)

## How Finanzer Works questions

### Do all products share a loss pool?

No. Each facility and mandate defines the capital, rights, exposure and claims that belong to it.

### Where does trade finance fit?

Trade finance is an initial use case within Business Capital. It uses the wider network’s credit operations, capital matching and servicing.

## Connect the work around your financing.

Tell us where your process starts, which partners take part and what happens after funding.

[Discuss the network](https://finanzer.ai/contact?topic=Platform%20discussion#enquiry)

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