CredaFi — credit built in, not referred out.
Embedded credit and lending decisioned against cash flow the platform can already see, rather than three years of tax returns and a wait.
What it does
AI credit decisioning
Decisions informed by real settled volume and real payment behaviour, with the model output reviewable rather than opaque.
Multi-rail lending
Funding delivered and repaid across the same rails that move the merchant’s revenue.
Identity-linked credit
Credit tied to a verified identity established at onboarding, not re-verified from scratch at application.
Consumer financial goals
The consumer side: financing at the point of sale, tied to the same ledger and the same merchant.
You already have the data
A lender underwriting a small business is usually reconstructing its cash flow from documents. A platform that runs the point of sale, the invoicing and the settlement is not reconstructing anything. That difference is the product.
Put CredaFi in front of your merchants.
Direct, or under your own brand through the partner program.