Yield provides a fintech marketplace that connects B2B merchants with regulated lenders to offer instant credit lines for receivables and payables. Through a RESTful API and no‑code widgets, sellers can embed net‑terms up to 90 days or six‑month installment options at checkout, receiving payment immediately while the lender assumes the risk. The platform includes a real‑time dashboard for credit utilization and automated settlement across multiple payment methods.
Funding
Funding not disclosed
Founders
Product
Problem
Many B2B merchants struggle to extend payment terms to their customers because traditional financing is slow, requires extensive paperwork, and ties up the seller’s balance sheet. This limits cash flow, reduces average order value, and hampers sales growth for wholesalers, retailers, and service providers.
Solution
Yield operates a fintech marketplace that links merchants with a network of regulated lenders to deliver fast, flexible credit lines for receivables and payables. Businesses can obtain approvals in under 24 hours and choose between net‑terms of up to 90 days or installment plans spanning six months. The platform provides a lightweight API and no‑code link options that embed credit offers directly into checkout flows, allowing buyers to finance purchases without leaving the merchant’s site. Sellers receive payment immediately, while the underlying lender assumes the credit risk, eliminating exposure on the merchant’s balance sheet. All transactions are captured in a unified dashboard that delivers real‑time insights, credit utilization metrics, and automated reconciliation. The solution is built on BSP‑licensed payment‑system operations and integrates with existing payment methods such as bank transfers, cards, and e‑wallets.
Target Audience
The primary customers are wholesale distributors, retail chains, and service‑based businesses that sell to other businesses, as well as B2B e‑commerce platforms, fintech providers, and bill‑payment services seeking to embed financing at the point of purchase.
Features
- RESTful API and pre‑built JavaScript widgets for one‑click embedding of net‑terms or installment options at checkout
- No‑code URL links that enable rapid deployment of credit offers without development effort
- Flexible line‑of‑credit products with configurable repayment schedules (up to 90 days or 6‑month installments) and instant underwriting via partner banks
- Real‑time analytics dashboard showing credit usage, repayment status, and cash‑flow impact across all merchant accounts
- Automated settlement engine that disburses funds to the seller at point‑of‑sale while the lender assumes repayment risk
- Multi‑payment‑method support (online bank transfer, credit card, e‑wallet, post‑dated check, cash) to match buyer preferences
- Full compliance with Bangko Sentral ng Pilipinas (BSP) regulations and secure data handling through encrypted transaction flows