Businesses
Provide evidence, receive funding and repay the agreed obligation.
How Finanzer Works
From credit review to repayment.
Finanzer is building one operating platform for business lending: AI-assisted review, capital matching, bank or stablecoin settlement, and servicing.
Business CapitalCommerceEmbedded Finance
Shared services
Credit review and servicing
Each product keeps its own terms and risk limits.
Capital & settlementFunding and money movement
Repayment & recoveryReceipts, allocation and exceptions
On this page
Credit review
AI prepares the evidence. Reviewers make the decision.
The AI Credit OS checks business records, flags inconsistencies and assembles the credit file. Authorised reviewers assess the request and its terms.
Explore AI Credit OSSettlement
Connect the facility to its payment route.
The lender supplies capital. Bank or stablecoin routes carry funding and repayment. Each instruction and confirmation stays linked to the facility.
Explore stablecoins and settlementFinanzerFacility record
Payment status
- 01Instruction approvedAuthority to release funds
- 02Transfer confirmedEvidence from the payment provider
- 03Payment reconciledReceipt matched to the obligation
Linked to the facility record
On-chain records
Record financial events. Control access to evidence.
The on-chain design records selected transfers and loan updates. Identity files, invoices and credit notes remain in access-controlled systems.
On-chain
Transfers and loan status
- Funding transfers
- Repayment transactions
- Approved loan updates
Controlled access
Business documents
- Identity and company files
- Invoices and bank records
- Review notes and legal agreements
Linked by facility reference. Documents stay access-controlled.
Servicing
Track repayments. Resolve exceptions.
Servicing matches payments to obligations. When a payment is missed, the record follows the investigation, contact, claim and resolution.
Explore Risk & RecoveryRoles & fees
Clear roles. Separate obligations.
The proposed model keeps lending income, protection premiums and operating fees distinct. Each facility defines its own rights and exposure.
Capital providers
Supply lending capital and receive contractual income, subject to repayment and retained losses.
Risk participants
Accept defined loss exposure in return for agreed premiums. Participation follows separate protection terms.
Platforms & merchants
Connect customers and business records. Merchant incentives use a separate reward budget.
Finanzer
Coordinates credit operations and servicing for agreed fees.
Your questions
About the operating model
No. Each facility and mandate defines the capital, rights, exposure and claims that belong to it.
Trade finance is an initial use case within Business Capital. It uses the wider network’s credit operations, capital matching and servicing.
Where would Finanzer fit in your process?
Discuss your credit operations, capital mandate or settlement requirements with the team.