Embedded Lending for Vertical SMB Platforms
Cashflow financing for the 20 million SMB's the Banks leave behind.
SMB's are the heart of our economy. Every day, great ideas are left at the drawing board by entrepreneurs who can't access financing.
Banks can't squeeze enough money from small business. We focus on those they leave behind.
Have a growth opportunity but cash is tied up with customers?
Most factors won't touch invoices with less than $10k. We factor invoices of all sizes, with payment made in less than an hour.
For vertical software providers. You know your niche better than the banks. Solve your customers cashflow problems by embedding financing in your software. Use your existing data for underwriting to give customers decisions in real time, all in your software. Increase product stickiness and monetise your alpha.
Dashboards and reporting on customer payment trends, invoice payment status and customer red flags. Know if your customer goes into bankruptcy or faces legal risks that may impact you getting paid.
Pay your expenses now, and use your future revenue of the business to pay it off. You only pay when you make money.
Generate and send invoices to customers with embedded payment instructions.
We can support following up customers to make sure you're paid on time.
You know them better than any bank. Convert your insights into a revenue stream and support your customers growth with in-app financing offers modelled specifically on your data. Covalent manages the capital, credit risk and regulatory overhead, you get a 50% profit share.
Have a growth opportunity but cash is tied up with customers?
Most factors won't touch invoices with less than $10k. We factor invoices of all sizes, with payment made in less than an hour.
For vertical software providers. You know your niche better than the banks. Solve your customers cashflow problems by embedding financing in your software.
Unsecured lending from $1-100k, up to 12mo terms.