Capital recycling
Shorter obligations may allow capital to be redeployed after repayment.
Capital Network
Put capital to work without building another lending operation.
Finanzer is building the operating layer around business credit. Define the assets, markets and risk your institution wants to finance, then follow each matched opportunity through repayment.
Your mandate sets the boundaries.
Specify asset type, geography, duration, currency, concentration and any protection requirements before opportunities are considered.
Lender approval, available capacity and executable terms govern allocation. A matching result is one input into the decision.
Supply the capital. Define the risk. Connect the operations.
The proposed service brings the operating record to each capital provider.
Origination
Find and qualify opportunities within the target asset class.
Underwriting
Carry the source evidence, assessment and decision history with the asset.
Allocation
Check mandate fit, capacity and any required protection.
Monitoring
Follow concentration, payment status, collateral and changes in the underlying business.
Servicing
Coordinate collection, payment allocation and reconciliation.
Recovery
Manage records and responsibilities through disputes, claims and recovery actions.
Assess the whole credit relationship.
Review duration, expected cash flows, operating fees, protection costs, liquidity and the losses you retain. Return depends on what is actually repaid.
Transaction visibility
Inspect the activity, evidence and obligations behind the allocation.
Defined protection
Any protection must specify eligible claims, funded resources, limits and recoveries.
A lender should be able to follow an exception to its resolution.
Payment delays, disputes and deterioration need different responses. The servicing record links the cause, responsible party and next action.
Explore Risk & RecoveryFollow your capital through the facility
Follow your capital through the facility.
The mandate defines the exposure. Funding, receipts and payment allocation stay connected to the agreed credit record. Any protection arrangement has its own resources and terms.
01
Funding
After payment approvalCapital provider
Supplies the agreed funds
Bank funds or stablecoinsSettlement
Transfers the approved amount
Currency conversion when neededBusiness or supplier
Receives the payment
Bank account or supported wallet
02
Repayment
Under the agreed termsBusiness repays
Payment against its obligation
Receipt reconciled
Matched to the credit facility
Payment allocated
Principal, interest and fees recorded
No. Lending capital and settlement assets are separate from the proposed FZR risk-participation mechanism.
No. Coverage, exclusions, funding, execution and recovery terms determine what can be claimed and which losses remain with the lender.
Start with your lending mandate.
Share the assets, markets and risk limits your institution is prepared to finance.