Business Funding
Flexible Working Capital for Growing Businesses
Our business-funding infrastructure is designed to provide companies with access to working capital through structured private-credit solutions connected to real commercial activity and the financial characteristics of the underlying business.
Funding can support day-to-day operations, inventory purchases, supplier payments, expansion, and other working-capital needs. Solutions such as Merchant Cash Advance and invoice factoring can be structured based on the nature of the business, its cash-flow profile, available transaction data, existing receivables, and the characteristics of the underlying transaction.
Each funding arrangement is supported by defined underwriting, contractual documentation, servicing processes, and ongoing monitoring throughout the lifecycle of the financial claim. This creates a structured connection between the original business funding transaction and the resulting real-world financial asset.
Two Ways to Access Business Working Capital
Different businesses require different funding structures. Our infrastructure supports working-capital solutions designed around either future business payment activity or existing receivables generated through completed commercial transactions.
Merchant Cash Advance
Merchant Cash Advance provides working capital through an agreed funding structure linked to future business payment activity and the operating characteristics of the business.
It can provide access to capital without relying on a traditional term-loan structure and can be evaluated using relevant revenue, transaction, cash-flow, and operating information.
Explore Merchant Cash AdvanceInvoice Factoring
Invoice factoring provides liquidity against eligible outstanding invoices generated through completed commercial activity.
Rather than waiting for customers to pay under standard payment terms, a business can access capital using existing receivables as the underlying financial claim.
Explore Invoice Factoring
From Funding Request to Active Financial Asset
The funding process connects business evaluation, underwriting, documentation, funding, servicing, and ongoing monitoring within one operating framework.
Funding Request
A business provides information about its operations, funding needs, transaction history, and relevant financial activity.
Underwriting
Business performance, cash-flow characteristics, receivables, transaction data, and other relevant factors are evaluated under applicable underwriting criteria.
Funding Structure
An appropriate funding structure can be determined based on the business profile, funding purpose, underlying transaction, available financial information, and applicable underwriting criteria.
Documentation
Applicable agreements and supporting documentation are completed, establishing the contractual rights and obligations associated with the transaction.
Funding
Once approved and documented, working capital is provided under the agreed funding arrangement.
Servicing & Monitoring
Payment activity, outstanding amounts, asset status, and other relevant lifecycle information remain connected to the transaction throughout its term.
Business Performance
Revenue, transaction activity, and operating history can form part of the underwriting review.
Cash-Flow Profile
Payment patterns and available cash-flow information help support funding analysis and assessment of the proposed transaction.
Receivables
Existing invoices and contractual payment rights may support invoice-based funding structures where applicable.
Documentation
Business, contractual, financial, and identification records support transaction review, verification, and underwriting.
Business Funding Creates Real-World Financial Claims
Each completed funding transaction can create or identify a contractual financial claim connected to real business activity.
In a Merchant Cash Advance, relevant contractual payment rights arise under the agreed funding arrangement. In invoice factoring, the underlying financial asset is generally an existing receivable generated through completed commercial activity.
Although the funding structures differ, both products can result in short-duration financial claims connected to real operating businesses. These claims form the real-world assets at the foundation of the broader private-credit infrastructure.
Technology supports how those assets are recorded, serviced, monitored, and managed, while the underlying economic value remains rooted in the business activity and contractual financial claim itself.
Infrastructure Supporting the Funding Lifecycle
Business funding does not end when capital is provided. The infrastructure is designed to keep the resulting financial asset connected to its contractual records, payment activity, servicing information, and performance data throughout its lifecycle.
Centralized technology provides the infrastructure required to maintain this continuity from origination through servicing, monitoring, and reporting.
Relevant information can include transaction records, payment activity, outstanding amounts, status changes, servicing events, underwriting data, and other asset-level information.
This creates a consistent operating environment designed to support both local business funding activity and the broader private-credit infrastructure.
Connecting Business Funding With Private-Credit Infrastructure
Our role is to connect business funding activity with the operating, underwriting, technology, servicing, and risk infrastructure required to support private-credit transactions throughout their lifecycle.
Local operating companies manage business relationships and market-level execution, while centralized systems support technology, underwriting standards, asset records, servicing, monitoring, risk management, compliance, treasury, and reporting.
Together, these capabilities create a structured path from an individual business funding transaction to an identifiable real-world financial asset within the broader private-credit ecosystem.
Eligible financial claims can ultimately be aggregated with other assets into diversified portfolios, connecting local business funding activity with broader institutional private-credit infrastructure.