Hapto provides an embedded software agent that connects SME ERP, billing, and treasury systems to a marketplace of banks, fintechs, insurers, and factoring firms. The platform automatically assesses eligibility and presents short‑term credit, factoring, insurance, and investment options within the user’s workflow, enabling instant online agreements and rapid fund or coverage disbursement.
Funding
Funding not disclosed
Founders
Product
Problem
Small and medium enterprises (SMEs) often struggle to obtain timely financing, insurance, or investment products because they must manually seek out providers and complete separate applications, leading to delays and missed opportunities.
Solution
Hapto offers an embedded software agent that integrates directly with the ERP, billing, and treasury systems SMEs already use. By connecting these management tools to a network of banks, fintechs, insurers, and factoring firms, Hapto surfaces relevant short‑term credit, factoring, insurance, and investment options within the user’s workflow. Companies can complete a brief profile, receive eligibility decisions in under 24 hours, and finalize agreements online, allowing funds or coverage to be accessed instantly. The platform automates the matchmaking between business needs and financial service offerings, reducing friction and accelerating cash‑flow management.
Target Audience
Primary customers are small and medium enterprises that use digital management tools and need quick access to financing, insurance, or investment solutions.
Features
- Seamless API integration with popular SME ERP, invoicing, and treasury software
- Real‑time eligibility assessment and instant decisioning for short‑term credit, factoring, and insurance
- Embedded digital signing and fund disbursement workflow within the host application
- Network of vetted financial service providers offering diversified products (banks, fintechs, insurers, factoring firms)
- Automated recommendation engine that matches the right product to the company’s current cash‑flow and risk profile