Zink offers a white-label Fintech as a Service (FaaS) platform that enables businesses to embed lending and offer credit products. Their modular solution supports credit origination, servicing, cash management, and B2B Buy Now, Pay Later, allowing companies to integrate credit capabilities via APIs.
Funding
Funding not disclosed
Founders
Product
Problem
Businesses seeking to offer embedded lending or create their own credit products face significant technical and regulatory hurdles. Developing the necessary infrastructure for credit origination, servicing, and cash management requires substantial investment and specialized expertise, delaying market entry and limiting innovation.
Solution
Zink provides a modular, white-label platform that enables businesses to launch and manage credit products as a service. Their Fintech as a Service (FaaS) offering includes a comprehensive digital platform for credit origination, receivables factoring, and digital accounts. Zink also offers specialized solutions for Cash Management, including payment processing and collections, and Supply Chain Finance, facilitating vendor financing with customizable rates. Their B2B Buy Now, Pay Later (BNPL) solution streamlines the entire credit lifecycle for business-to-business transactions, allowing non-financial companies to enhance sales by offering extended payment terms. Through a suite of APIs, Zink allows for seamless integration into existing business systems, empowering companies to act as fintech providers.
Target Audience
Zink targets non-financial businesses, ERP providers, and marketplaces that aim to embed lending capabilities or offer tailored credit solutions to their B2B customers.
Features
- Fintech as a Service (FaaS) platform supporting embedded lending, receivables factoring, and digital account management.
- Cash Management module for payment processing, collections, and collateral tracking.
- Supply Chain Finance (SCFaaS) platform for vendor financing with configurable interest rates and an intuitive user interface.
- B2B Buy Now, Pay Later (BNPL) solution covering onboarding, credit assessment, contract origination, and operational structuring.
- API-first architecture for integrating credit product capabilities into existing ERP systems, marketplaces, or proprietary applications.
- White-label deployment options allowing businesses to brand and offer credit products under their own identity.