Kapitale provides financing solutions for businesses by leveraging credit card receivables as collateral. Their platform allows businesses to access early payment on credit card sales or use them as payment for inventory, improving cash flow and financial management. Kapitale offers a streamlined and accessible approach to business financing.
Funding
Funding not disclosed
Founders
Product
Problem
Many small and medium-sized enterprises (SMEs) face challenges in managing their cash flow due to delays in receiving payments from credit card sales. Traditional financing options can be expensive or inaccessible, hindering their ability to invest in inventory and growth.
Solution
Kapitale provides a financing solution that allows businesses to leverage their credit card receivables to improve cash flow. The platform enables businesses to access early payment on credit card sales and use them as payment for inventory from suppliers, without incurring traditional financing costs. Kapitale's "Pague com Kapi" product allows businesses to pay suppliers directly with their receivables at a 0% rate. This helps businesses in sectors like cosmetics and health to replenish stock and expand operations without incurring extra costs.
Target Audience
Kapitale primarily targets small and medium-sized enterprises (SMEs), particularly those in the cosmetics, health, and retail sectors, that need improved cash flow management and access to financing.
Features
- Early access to funds from credit card receivables.
- "Pague com Kapi" feature enables direct payment to suppliers using receivables with a 0% rate.
- Streamlined platform for managing and accessing financing based on credit card sales.
- Credit access without traditional credit checks or historical data requirements.