Finiata provides a data-driven platform for B2B lending that enables SMEs to access real-time funding and manage cash flow through flexible repayment schedules. By integrating credit solutions and analytics, Finiata addresses the challenges of obtaining financing and optimizing cash flow for small businesses.
Funding
$22M raised to dateRaised to date based on public sources. This may differ from the amount the company actually raised and is based only on what is publicly available on the internet.
Founders
Product
Problem
Small and medium-sized enterprises (SMEs) often face challenges in accessing timely funding and managing their cash flow effectively, hindering their ability to grow and operate smoothly. Traditional lending processes can be slow and inflexible, failing to adapt to the dynamic financial needs of these businesses.
Solution
Finiata provides a platform designed to simplify business lending for SMEs and B2B relationships. The platform offers modular components that enable the creation of full-featured, scalable credit products tailored for small business customers. Finiata facilitates real-time funding, transparent financing fees, and flexible repayment schedules based on business cash flows. Additionally, the platform offers features for creating accounts, scoring customers, disbursing funds, managing repayments, and providing cash flow advice through AI-driven analytics.
Target Audience
The primary target audience includes marketplaces, payment processors, and other platforms that serve small to medium-sized businesses and seek to embed financial products into their offerings.
Features
- Real-time funding with application to payout in 15 minutes
- Transparent and predictable financing fees for SMEs
- Flexible repayment schedules based on business cash flows
- API for creating account objects, onboarding users, and performing KYC/AML checks
- Customer scoring using transaction data or bank account connections
- Rapid fund disbursement after credit offer acceptance
- Automated direct debits, card charges, and bank transfer reconciliation for repayment management
- AI-driven cash flow analytics for providing financial advice
- Customizable user experience options for light or deep integration
- Solutions for lines of credit, marketplace remuneration advances, and invoice factoring