Alternatives to Credit Key

Gaviti automates the invoice to cash flow process, allowing accounts receivable departments to make better credit decisions and reduce DSO. It also helps them reconcile payments more quickly. Our advanced automation tools will help you eliminate manual, time-consuming tasks in A/R. Gaviti has earned trust from industry leaders such as EY, cPrime and PWC. Our track record speaks volumes. Our clients have achieved amazing results, reducing their Days Sales Outstanding by 30%-50% in just six months after adopting Gaviti. Collections Analytics: Useful data to optimize your strategy. Make data-driven decisions based on trends to increase your collection efficiency. Cash Application Made Easy: Forget the headaches of reconciling payments. Automate your cash application and achieve 100% accuracy. Improved cash flow, and happier customers. Strategic Credit Management: Make informed decisions about credit with confidence. Powerful

Peach Finance is an API-first lending technology platform that helps fintechs and financial institutions quickly launch and easily migrate lending programs. Peach provides a loan management system with more than 250 configuration variables, giving lenders the ability to stay nimble and adapt—even at scale. Peach also offers end-to-end, fully-integrated loan servicing capabilities. This includes payment processing, a white label borrower portal and a lending-specific CRM. Also included are omnichannel communications, data and insights, first-party collection tools, and Compliance Guard™. Peach's integrated suite of cloud-native products can be used to support virtually any asset class, including BNPL, credit cards, cash advances, personal loans (installments or lines of credit), retail installment agreements, business loans and novel constructs. Peach was founded by leaders from top fintechs like Avant, Affirm, and Prosper.

Melio is a business payment platform that simplifies the way small and medium-sized businesses pay their vendors & contractors—in and outside the U.S. Users can pay any invoice however they choose—with a bank transfer for free or by card (2.9% fee), even where cards aren’t accepted. You can also choose the speed of payment. Regular ACH bank transfers arrive within 3 business days but you can expedite payments and send funds by the end of the day or even instantly. Improve your cash flow by using your credit card. Hold onto cash longer by deferring payment to the end of your next billing cycle. Plus, earn card rewards with every transaction. Vendors receive payment however they prefer—a check in the mail or a bank deposit. They don’t need to sign up to receive the funds. Looking to boost your efficiency? Pay multiple bills at once, set up recurring payments, and enjoy multiple capabilities to help you spend less time in the back office. Invite team members or your accountant and easily set up their roles and permissions to schedule payments. Plus, Melio syncs with QuickBooks and other accounting software so data is automatically updated on both platforms.

SBP Digital Banking Suite serves retail and corporate financial institutions with seamless digital onboarding, day-to-day banking, and enhanced open banking capabilities like compliance and credit decisioning. Its agility ensures quick time-to-market and continuous UX improvements. There's no vendor lock-in; integration options include configuration, customization, or SDKs. The CX app and open banking drive transformation, enhancing customer experience and financial well-being. The platform is AI and data-driven by design and supplies relevant insights to optimize customer journeys that are user-tested. The Employee Experience web app empowers operations and talent, improving service. The Sopra Financing Platform (SFP) is a modular platform designed to boost the efficiency of asset financiers worldwide. It simplifies the entire lending process, from the front to the back office, making it a great fit for both new market entrants and expanding businesses. The clients of Sopra Financing Platform benefit from a wide partner network seamlessly integrated into the platform, giving them a strong competitive advantage.

Make offering trade credit as easy as accepting a credit card. Apruve is technology at the intersection of B2B trade credit and A/R automation. Apruve enables global enterprises to transform their trade credit, accounts receivable, and collections processes with automation and guaranteed payments. Apruve works with a global credit network to guarantee next-day financing on all open invoices while automating the procure-to-pay process and decreasing risk. Our solutions are customized for your markets, customers, and goals, enabling you to simplify and accelerate the procure-to-pay process.

Balance is the first self service checkout to accept 100% of the B2B payment complexities. This includes wires, checks, wires, wires, SaaS subscriptions, automatic vendor payouts, milestone payments, net terms, wires, checks, wires, checks, wires, wires, and wires. API-first! Access them docs Accept wires, ACH, cards, and checks. Instant, risk-free net terms: Your customers pay net 30/60. You get paid immediately. Easy recurring payments: Recurring invoice payments made as simple as recurring CC payments Built to meet all B2B payment requirements. It is ideal for marketplaces, wholesalers, merchants, SaaS providers, and service providers. Self-serve Invoicing: Customers can easily pull and pay their invoices using a click Automatic reconciliation & collection: Isn’t it funny that you’re still doing this manually.

TreviPay connects buyers and sellers in the manufacturing, retail, and transportation industries. TreviPay, a fintech innovator with over 40 years of experience in B2B payment and trade credit management, offers today unmatched payment options - from digital to card payments. Plus, proven A/R Automation solutions to help sellers increase efficiency. Payment methods and collection options can help you optimize your order-to-cash and financial performance. TreviPay offers a B2B payment solution that is easily comprehensible to help you achieve your business goals.

Affirm is a payment-over-time solution that removes price barriers for shoppers. It allows merchants to see a 85% increase in average order values and a 20% repeat purchase rate. Affirm's mobile-friendly, multichannel solution is optimized to be used for e-commerce, in store transactions, and telesales. Affirm gives merchants the tools they need to integrate pay-over time options for shoppers. Here's how it works. 1. For a real-time decision, your customer needs to know a few key pieces of information. 2. Flexible payments. Customers can choose their payment plan with options that range from 3-36 Months. 3. We settle within one day and take on all risk, from fraud to costly chargebacks. There is no risk for you.

Clearly Payments offers low-cost credit card processing software and services for online payments, payment terminals and mobile payments. They also offer recurring billing and invoicing. The mission of Clearly Payments is to lower the cost merchants pay to accept payments. Period. The first step of the plan is to create a payment processor that has a low-cost structure. Innovation is required, so we need a strong corporate culture. We keep costs low by: - Virtual teams, cloud-based software, and a culture that is metrics-driven to run our business - Working with the most cost-effective and reliable payment technology providers around the globe - Customer acquisition via communities, word of mouth, and partnerships We can pass the savings to merchants by our low-cost structure. We are expanding on this front, making merchants happier and saving them money every single day. https://www.clearlypayments.com

PayU is a payment processing platform that offers hundreds of payment methods to choose from and multiple checkout experiences, meant to drive approval and conversion rates higher. Leading to increased sales levels, customer trust, brand attachment and loyalty, without having to worry about payment operational and technical complexities, you’ve come to the right listing.

B2B: A Buy Now, Pay Later solution Your B2B customers will be able to buy now and pay later at checkout, allowing you to sell more and grow your business. Hokodo allows you to offer trade credit to customers. Instant credit terms can help keep customers in the funnel and increase sales. Our real-time underwriting eliminates lengthy credit checks and customers can get payment terms immediately, even after making their first purchase. No need to worry about cash flow. We pay you after delivery of the goods. We can also collect late payments and chase them. Your business is protected from credit and fraud risks, including non-payments, ID theft, chargebacks, and outright bankruptcy of customers. 73% of B2B buyers prefer to shop online. We believe they should have the same seamless checkout experience as consumers.

Slope's APIs and software allow you to accept online payments, offer flexible terms of payment, and automate the order-to-cash process. Accept credit card payments and ACH payments from businesses using a single API, or our invoice links without codes. We offer guest checkout, invoices based on milestones and custom timelines, as well as same-day ACH, to meet all your payment requirements. Offer your buyers net, installments or custom terms at no extra risk. You can approve customers for financing in seconds for future purchases. We handle all the risk, collection, and beyond. You get paid immediately. You can eliminate manual processes from processing customer orders, to applying remittances on open orders in your ERP. Slope's flexible workflows will eliminate friction and ensure that every dollar is reconciled.

The smartest way to reduce your A/R and get paid quicker. QuickFee provides online payment and e-invoicing solutions to help accounting and legal firms reduce their receivables. You can stop chasing payments and processing checks. Accept online payments as well as 3-12 month payment plans in one convenient payment portal. By offering multiple payment options, you increase your client's spending power and make your services more accessible. Your online payment platform can be completely customized to meet your business's needs. This will allow you to tackle all of your payment challenges. Offer one-time payments or recurring payments via ACH transfers, debit cards, or credit cards. Your customers will be delighted with the flexibility of payment financing. Give your customers the option to spread their payment over 3, 6, 9 or 12 months. Save hours of non-billable time by integrating e-invoicing directly into your practice management software.

It has been proven that giving your customers a small credit at the check-out can increase sales, increase basket sizes and reduce cart abandonment. SplitPay allows customers to pay in four equal monthly installments. We pay you fully before the goods are shipped and assume all credit risk. Merchants that use SplitPay see a 20-30% increase in sales volume. No upfront payment and no minimum transaction volume. We take on all the risk of non-payment by the customer. We do not charge any monthly or setup fees, and we settle all transactions daily. SplitPay allows you to sign up quickly and easily without any complicated application forms. Our instant approval process allows you to shop faster. SplitPay customers who pay on time will not be charged any fees or interest.

Vartana's payment platform allows you to book 30% more customers while preserving cash flow. Simple payment plans make it easy to win 3x more opportunities. Multi-year, paid upfront contracts can increase cash collection and contract value. With pre-approved payment plans, empower your sales team and manage the entire deal process from a central dashboard. To convert more customers, you can subsist on the full or partial payment plan. Vartana's capital fund or your balance sheet can be used to finance. Our platform allows companies to offer flexible billing options, such as monthly or quarterly terms, without compromising cash flow. This results in a higher average order value, close rates, and increased sales efficiency.

Creditea, a unique BNPL that boosts e-commerce by increasing approval rates for merchants and margins, while offering customers a seamless checkout and flexible repayment options, is a new BNPL. Customers can benefit from a quick onboarding, a user-friendly Credit Line and benefits such as 0% interest for 30 days or long-term repayment plans. Creditea is powered by International Personal Finance plc and integrates seamlessly with the major ecommerce platforms. Interested parties can partner with us. Discover how Creditea Pay Later will enhance your online business today!

Credit Pulse automates and digitizes the credit process. It reduces manual effort for credit approvals and continuously monitors portfolios for credit risk. Automated bank and trade references can reduce the time it takes to obtain references from weeks to minutes. Optimize credit allocation across all customers. Credit can be extended and restricted as the risk changes to reduce bad debts by 20%. Notify you of any changes, such as NSFs (non-sufficient funds), bankruptcies (bankruptcy), liens on bank accounts, and changes in credit scores. Manage your entire credit operations, from applications to approvals. You can also monitor your portfolio continuously for credit risk. Credit Pulse offers a streamlined application for credit with pre-filled business information, eliminating the usual 'back and forward'. Save over 1000 hours per year of manual work. The days of manually sourcing data from third parties are over. Credit Pulse centralizes 15+ reliable sources of data, including credit bureau reports. Credit Managers will feel more confident in making decisions, especially for SMBs.

Shop Pay stores your personal information so you can fill out forms and not carts. Everything is encrypted to ensure a smooth checkout. Split your purchase into four equal installments at participating merchants or pay in full at checkout. You can now offset the carbon emissions from your deliveries for free. You just need to check out with Shop Pay to be carbon-neutral. Shop Pay protects you and your money. Once you have shared your shipping and billing information, you can use your email address for future purchases. Our servers are compliant with industry standards (PCI Compliance), and can vault credit and debit card information. Shop protects all personal information you share with them. Shop Pay allows you to choose whether to pay in full or in four equal installments* at participating merchants. You can make debit or credit card payments every 2 weeks or set up automatic payments.

Kwik Loan Loan Servicing & Origination is simple to use. It provides a secure platform that can handle all your loan servicing needs. This software allows lenders to simplify the loan servicing and debt collection process. This powerful servicing software allows lenders create and manage loans for customers. It also includes integrated billing and payment features. You can automate and manage your loans' servicing with features like TILA generation and ACH processing (debits and credits), payment reminders and ROI tracking. Equip integrates with Kwik Decision to provide a loan underwriting module which can electronically make credit decisions. You can either use a standard scoring module, or create a custom solution with the help of one of our credit specialists.

GoCardless is the UK's most trusted online direct debit provider. It makes it easy to process recurring and one-off payments. GoCardless is cost-effective and secure. It offers an easy migration process and transparent fees. The platform has pre-built integrations to leading accounting, membership, and subscription software such as Quickbooks, Sage Sage, Zuora and Online Scout Manager.

Walnut can help your practice approve more patients, even those who have credit problems. Plans starting at 0% interest allow you to get paid upfront. Traditional patient financing companies reject half of patients. Our proprietary underwriting algorithm allows you to approve more patients. Get paid upfront with no risk and no fees. We currently serve the elective care market. We believe in transparent, fair and transparent payment options for patients. Our dedicated support team is available to answer provider and patient questions 24 hours a day. You can get financing plans starting at 0%. Walnut is completely free to implement by providers. Walnut is a better option to manage your healthcare expenses. Walnut helps you to reduce your medical bills into smaller monthly payments that are tailored to your needs. We will assign you a Walnut Agent who will help you stay on track.

Zip (formerly Quadpay) instantly boosts sales. In 10 minutes, Zip's "pay Later" platform can be integrated without APIs. Enjoy the rewards Customers love the flexibility to split their payments into four installments over six weeks. Zip's partner merchants benefit from a higher AOV and conversion, more repeat sales, and immediate payment. Zip exclusive merchants. These are just a handful of the over 3,000 amazing merchant partners. Join the Zip brand community. {Our buy now, pay later platform is designed to give savvy shoppers more freedom and flexibility.|Our buy now, and pay later platform gives savvy shoppers more freedom.} Integration is easy from the front end. You can use a few lines javascript code, or one of our eCommerce platform plug-ins. Zip In-Store. Zip In-Store is a seamless in-store POS system that requires no IT support. Customers can pay in-store with Zip. Zip can be accepted if you accept Visa. To make payment, simply scan the QR code. No code changes or integrations required with POS systems

Merchants can now connect to multiple lenders within the ChargeAfter network to offer personalized point-of-sale financing to consumers based on their credit needs. There is no one size fits all approach to financing. ChargeAfter allows merchants to offer the best consumer financing options to shoppers at checkout, while also approving upto 85% of applications. ChargeAfter offers detailed transaction reporting and full performance from a simple dashboard. You can see every transaction from each lender, both historical and live. You can easily settle, upsell or refund credit transactions with a click of one button. ChargeAfter is a multi-lender consumer financing platform. Your business can be flexible as well. You can offer financing wherever your customers are. Online, in-store, and over the telephone

Kompliant provides end-to-end compliance through a platform that was developed in partnership with some of the most respected banks and payment processors around the globe. Kompliant's unique platform services make managing credit risk programs easier than ever. Kompliant Services can be used by finance, sales, and underwriting teams to create and implement their own compliance programs. Kompliant, Inc. is a leader in developing, launching, operating and maintaining innovative services for some of the most prominent card networks, banks, payments processors, retailers, and other financial institutions. Whitelabel services allow businesses to apply online for payment processing services using digital interfaces that are optimized for mobile, online, and other target environments.

Tabby makes shopping more enjoyable. Split your purchase into 4 interest-free installments or earn cashback at your favorite stores (or both). You can shop now and pay later by selecting tabby at checkout. This will split your purchase into four interest-free monthly payments. The tabby app allows you to shop now and pay later, earning cash without interest, fees, or hidden costs. tabby's shopping experience eliminates the barrier of price. You can convert browsers into buyers, increase average order value, or expand your customer base. Shop for partner brands on tabby's app or website and earn cash that you can withdraw. You can pay with tabby, or not. tabby makes shopping more enjoyable by giving people the freedom and flexibility to purchase what they want. tabby allows you to shop now and pay later, while earning cash without interest, fees, or debt traps. Tabby is used to accelerate growth by more than 2,000 global brands and small business, including Adidas and Marks & Spencer.

Welcome To Future Logics Web Applications, Mobile apps & Custom software development. Business Concept. The United Kingdom calls it Hire Purchase. This is an arrangement to buy goods or services. The buyer makes a down payment and agrees that he will pay the balance in periodic installments. It's also known as an Installment Plan, lease plan/lease management in the United States. IMS allows you to manage cash/Installment sales as well as down payments, stock, recovery, and other details. IMS is designed specifically for you if your business sells anything on monthly installments. What is IMS Customer Accounts and how do they work? It allows customers to manage their accounts. Purchase and Payable. All cash and credit sales, as well as receivable details, will be managed. Sales & Receivables. All cash and credit sales, as well as receivable details, can be managed. Inventory. Stock management and powerful reporting to improve

Bilendo, the modern credit management platform, helps companies automate and control all credit risk minimization processes centrally. Companies are finding it difficult to reduce costs using outdated and legacy systems, especially when profit margins are decreasing. Credit risks are a major cause of high and unpredictable costs. Bilendo's innovative approach allows you to lower costs and reduce credit risk while allowing you to focus on business growth. Bilendo is a modern credit management platform that allows companies to map, control, and automate all credit risk minimization activities. Bilendo maps the entire process from invoice to cash with all relevant credit management tools. They can also be combined as needed. These include receivables management and debtor management, collection, dunning customer portals, service portals payment transactions, factoring risk management and protection against bad debt.

Companies make buying decisions almost every day. There aren't fully digital processes for B2B sales, and there aren't customer-friendly financing options. Many companies, especially SMEs, find themselves in poor purchasing decisions, inefficient capital use, and long bureaucratic processes. Our technology and financing solutions allow business customers to enjoy a fully digital, end-to-end B2B sales experience. Our solutions enable companies to make more use of capital and increase customer retention. Our solution is simple and easy to use. It allows for quick approvals and allows for a holistic management of your purchases. Our API-based integration makes it easy to integrate new payment methods. Our systems are built on the most advanced technological innovations. Signing up takes only minutes and customers are approved in seconds.

My DSO Manager is a credit management and cash collection software that is affordable for all businesses. It includes strong features like interactive e-mails, automatic reminders, scoring, reports, etc. Modern and intuitive functions allow you to increase cash flow and profitability in your business. Smart upload module makes it easy to implement. It can be used manually or automatically. My DSO Manager has been used by thousands of companies in over 80 countries. My DSO Manager is dedicated for businesses who work with businesses. It can be used by SMEs as well as international companies. It can easily handle multi-entities, multicurrencies, and 9 languages

It is difficult to grow your business, regardless of whether you are a marketplace seller or a B2B seller. This can lead to credit risk and cash flow disruptions. Why not have the best of both? We provide credit on your behalf and take all the risk. You get the cash upfront for your immediate business use. Our sophisticated verification algorithms will then digitally conduct all relevant KYC/KYB or AML checks. The result? The result? Customers can be onboarded online in minutes. Transigo is authorized to access the bank account information of buyers via Plaid. The buyer will then be automatically assessed for credit. After that, they will receive a full credit limit. Generous credit terms mean a better shopping experience for B2B customers, which in turn means more repeat business.

Your borrower's rent payment history may be used to unlock homeownership eligibility for the first time. Get more opportunities with our verification of asset report (VOA), which includes 12 months rent payment history at no additional charge. The pioneer in digital asset verification. AccountChek has been helping borrowers avoid the paper chase in obtaining loans for over 10 years. Direct-source financial data is sent directly to lenders by borrowers in an easy-to-understand format that reduces errors, delays, and fraud risk. Real-time information about borrowers' assets and income allows for better credit decisions and promotes inclusion by offering lenders an alternative to traditional credit scoring. Real-time data allows for better credit decisioning, reduces underwriting and processing times, and promotes financial inclusion.

Manage risk and make confident credit decision. Many finance departments today manage data and critical operations in outdated ways. Our flagship risk management solution offers intelligent risk management for modern finance teams. Custom credit policies allow you to approve or reject deals instantly. Effectively collaborate with all stakeholders to track the credit decision process. To assess risk exposure, you can use the largest global commercial database to assess credit applicants. To manage your portfolio more strategically, you need to have a complete and up-to date view of your customer relationships. CIAL 360 Credit allows you to make credit decisions confidently and effectively. CIAL is a proud member of Dun & Bradstreet's vast World Wide Network. This network allows millions of businesses to make confident decisions using reliable and easily accessible information.

SS&C Technologies Holdings (NASDAQ : SSNC), is the world's largest hedge funds and private equity administrator. It also serves as the largest mutual fund transfer agent. SS&C's unique business model combines financial services operations expertise with software and solutions to serve even the most demanding customers in healthcare and financial services. Banks and credit unions require high-quality information in order to support credit decision-making processes and reporting. BANC Mall, a web-based tool, provides access to current and accurate credit reports, vehicle and house valuations, flood reports and other relevant data. BANC Mall information will allow you to conduct accurate risk assessments and make better, more profitable credit decisions. You can do all of this through one web portal without having to pay high monthly minimums, subscription fees, or for reports directly from credit bureaus and data providers.

The Vienna platform supports a multitude of new business channels, including direct to customer and introducer models. This allows for total flexibility and optimization of market routes. The new platform integrates seamlessly with the Vienna underwriting, contract management, and back-end. This allows for a seamless and simplified approach to the point-of-sale lifecycle. The Vienna underwriting module allows for manual and automated underwriting using a configurable rules-based engine. Lenders can create different policies and workflows for different products. This module is fully integrated with the major credit reference agencies as well as third-party data services. Vienna allows for full automation of credit decision, pay out, document production, and go-live processes.

Offer customers interest-free installments. Get the proven solution to grow your business. - Increase conversion and increase average order value - Lower cart abandonment - Compatible with existing credit or debit cards Accepted in more than 200 countries around the globe - Approval Rates in excess of 80% Shoppers can make up to 36 monthly interest-free payments with their existing Visa or MasterCard. Shoppers can try the item for up to 90-days before deciding if they want to keep it. Shoppers can decide if they want to pay in full or set up an installment-payment plan. Shoppers with insufficient credit card balances can split their installment payments between two credit cards. This allows the customer to get exactly what they want without having to apply for another credit card.

When your customer-facing teams work from different systems with siloed data, vital business processes like credit decisioning and customer onboarding can become unnecessarily complex and slow. BusinessConnect is built on the Force.com platform and helps to simplify, streamline, and accelerate collections and credit administration processes by automating routine manual decisions and centralizing many operations involved with account acquisition, account management, and recovery processes under one interactive cloud-based platform.

The easiest way to shop. Get personalized inspiration, exclusive deals, and the freedom to choose how you want to pay. Only in the Klarna App Payment experiences shoppers love. Klarna is used by America's largest brands to enhance their shopping experience. Our services are designed to make shopping easy from start to finish. We offer more payment options than any other provider. This allows you to convert more customers and increase your basket value. Your customers have the option to pay later, and you get paid immediately. Klarna offers more than just modern payment options when you partner with them. We strive to improve the customer shopping experience. We work with your global enterprise wherever you are. We make sure that your payment solution is localized and supports your business.

You can pay in installments. It's simple. You can increase your customer satisfaction and sell more. Watch your sales rise when you install alma. You get paid immediately after your customer pays. The sums are guaranteed, so you don't have to worry about anything. Plug & play: you decide, you start. Sell better. You will sell more. Allow your customers to pay in 3-4 times as easily. You will make them happy and increase your sales. Tell your client yes, he's dying to. Your crush with Alma is fluid, instantaneous. It is so fluid that you don't have to pause to decide whether to go back or do something else. Ease embodied. All you need to do is select Alma when you pay. There is nothing more. Beautiful shops deserve a nice payment. You can buy a new way. We are the solution to changing brands. Those who dare to challenge the norm. Promoting know-how is key to selecting amazing suppliers.

Transch is a way for fast-growing companies to pay for their software and services. Pay upfront for SaaS or services, then spread the payments out. You can control your cash flow by making flexible payments at your own terms. Spend more on growth without compromising the tools you require. Our checkout tools allow suppliers to offer payment flexibility to customers for annual contracts and bills. No code checkouts for quick deployment. Accelerate sales and collection velocity. Give customers the option to pay.

Every business relationship has risks. Every phase of the customer's lifecycle is your responsibility. The GUARDEAN riskSuite is a modular platform that allows you to automatically manage all risk-relevant customer processes. This includes the application decision and the calculation of the collection probability for receivables management. Even with high volumes of applications, you can make quick, transparent and profitable credit decisions. We provide a quick, simple, and cost-effective solution to your information requests. The GUARDEAN riskSuite supports all legal guidelines and regulations, as well as those that are based on KYC, CDD and AML, as well as terror lists and sanctions (e.g. PEP The Fraud Check detects common fraud patterns automatically and reduces collection costs and defaults.

Smart payments that increase business. Customers can spread the cost to increase sales. Customers will spread the cost and you'll be paid immediately (without any fees). Customers can spread the cost to take the fear out big purchases No interest. Our vast marketing database offers cross-sell opportunities for customers who prefer Openpay. Customers pay their first payment upfront to reduce post-purchase regret. Customers have a variety of payment options that they can choose from. We will refund almost all merchant fees if a customer returns an item.

Our product portfolio of credit cards, buy now, pay later, and business financing products was designed to meet the core needs of shoppers, small and medium-sized businesses, as well as retailers. We have platforms that allow you to buy or lease everything. Increase your customer base. Become a hummbusiness partnership. You can earn up to 30% more in sales volume and a maximum of 80% repurchase rates. Payment upfront Guaranteed settlement next business day. No refund fees. We will return your fee for items returned to our store. Fully integrated No matter how big or small your business is, whether it's online, walk-in, or online, humm can integrate. We offer instant online integration with major e-commerce providers. For bespoke builds, you can also use the Direct REST API to access pricing and marketing widgets. Integration is available for the following POS platforms. Customers and staff can integrate quickly and easily.

Credit Risk Platform - This platform is designed to manage credit risk assessment and credit approvals via a secure, cloud-based platform. The Credit Risk Platform streamlines credit risk assessment and credit approval workflows, allowing you to make better, faster credit decisions in commercial and SME lending. The platform allows for the creation and execution of rating models in a centralized, flexible framework. Access to a large number of industry-leading external credit scorecards can be accessed plug-and-play, either as a benchmark or as an alternative to the internal models. The solution is built on the Salesforce(TM platform and offers banks and financial institutions a cloud-based, secure solution that increases the speed and efficiency of risk assessment processes.

Don't let fundraising be a problem. Get non-dilutive capital on-demand. You can get up to a year's upfront capital, which will give you the flexibility and funding you need to grow your company and scale. Choose from unpaid invoices and recently paid expenses and choose repayment terms of 3, 6, 9 or 12 months. You can get as much or as little funding as you need. We can accept monthly, quarterly, or even annual contracts. We adapt to your needs. We provide the funding you require at the moment. Your money is not sitting idle, it works for you. We will quickly assess the funds needed and deposit them to your account within 24 hours. Our intuitive interface makes it easy to manage all transactions and accounts. As you grow, you can access more capital. We are your partner throughout the process. Our rates drop as we work together more often. We can quickly provide the capital you need based on your data.

The next generation of consumers will be empowered by banks and credit unions. equipifi's white-label solution integrates with banks to offer consumers the ability to view, accept and manage offers through their existing banking apps. Financial institutions allow their debit cardholders to make purchases in a way that suits their financial goals by offering BNPL. Consumers will have greater clarity in managing their BNPL loans. Pre-approved BNPL loans are tailored to the needs of consumers and their financial goals. Expanded use cases and qualifying purchases for BNPL. Everything on one platform, fast and simple. Flexible financing for everyday purchases through their primary financial institution. Flexible payment options that younger generations appreciate. Keep in touch with cardholders who make everyday purchases. Your banking app offers a refreshingly simple user experience. Explore new markets to increase interchange and interest.

Our platform provides pre-built APIs to access traditional and other credit data sources. This allows for faster data ingestion, which will allow for better credit decisioning. Pre-configured features that help you make better credit decisions. Powerful predictor library built on years of credit experience. A fully explicable proprietary AI, ML credit modeling methodology that delivers significant lift. Multiple champion challengers can be run simultaneously. Credit models and strategies all in one workflow. Rapid deployment of new credit strategies and models. Our AI credit underwriting models for AI are easy to understand, FCRA compliant, and robust. They can be used to automate adverse action reasoning.

You can stop the basket from dropping with "Paidy", which doesn't require a credit card. It also allows you to increase sales by making payments that are relevant to your customers' needs. Many users support pre-screening credit cards, prepayment at convenience stores and waiting at home for cash delivery. This simple usage eliminates the "messy", and the number has exceeded 4,000,000. It will not only prevent withdrawals, but it will also increase sales by expanding the customer base to include non-credit card users and young people. Paidy does not require a creditcard. This makes it possible to acquire non-creca groups, especially young people. 100% deposit guarantee for sales. Paidy will pay the merchant the unpaid amount.

Are you looking to get paid quicker? Credit Hound automates many of the credit control processes that you use every day. It is also designed to replace your current accounting system. It reduces administrative tasks by instantly showing how much you owe and who you need chase. Credit Hound Dashboard gives you an instant overview of credit management. Displays overdue payments divided by not yet due, overdue, and disputed invoices. Highlighting customers who have promised to pay and when. Automate repetitive tasks that you do every day. Credit Hound can automate many of your repetitive tasks, including sending reminder letters, putting overdue accounts on hold, and adding new To-Do items to chase late payment. All information is displayed on one screen, so you can easily track late invoice payments. To avoid delays in payment, payment tracking features give you an overview of disputed payments.

Easylodge is proud announce the release version 5 of its industry-leading credit engine. Credit V5™, based on our proven V4 engine now includes machine learning elements to assist credit managers in making better decisions and gaining a clear competitive advantage. EasyLodge®, Australia's leading finance origination and loan management platform, is ideal for banks, credit unions, finance companies, and fintech lenders. It offers the most efficient, cost-effective, ASIC NCCP compliant, customer friendly, and fastest way to originate credit. Get the Easylodge Advantage™. You can use Australia's only finance "wrap" to help manage your business more effectively and stand out in a highly competitive market. EasyLodge®, is a faster and more efficient way to access, track, document, track, and fund applications. This allows you to save significant amounts on processing costs.

Capital Float was founded in 2013 and serves the financial needs of salaried and self-employed Indians. Through our partnerships with A-list brands, we offer fast finance to consumers shopping online. We also offer digital credit to individuals and businesses for their business and personal needs. You can get a personalized, renewable credit facility right from your phone. Capital Float is the preferred finance partner of thousands of self-employed people in India. These small businesses can break through the barriers and grow quickly with our short-term digital loans. Our experience allows us to create cutting-edge credit products that small businesses may not have been able to access in the past. BNPL allows you to shop at a price that is affordable and fun. Fast, collateral-free financing for personal and professional needs. You can apply from anywhere, anytime, as long as you are connected to the internet.