Platforms
Financing is the feature your merchants keep asking for.
Platforms that offer merchant financing see higher retention, higher GMV, and a new revenue line. No lending license required.
Why platforms embed financing
Retention
financed merchants stay longer
GMV growth
funded merchants invest and grow
New revenue line
origination fees per funded merchant
No lending license. No balance-sheet risk.
Your data is the advantage
You see what the bank can't.
Banks see a thin credit file. You see real-time business health: POS volume, GMV trends, payroll regularity, order frequency. That makes your merchants more creditworthy than their bank records suggest.
- POS volume, GMV, payroll, order frequency
- A real-time underwriting signal, hard to fake
- Merchants approved that banks would decline
Bank sees
Thin file
You see
Platform data is a real-time underwriting signal, hard to fake.
No license needed
Connect merchants to a network of lenders.
Abwab routes your merchants to licensed lenders. You facilitate and earn origination fees; the lenders carry the credit risk and compliance.
- One integration, many lenders
- No lending license or capital
- No balance-sheet risk
Platforms
Abwab
match · underwrite · route
Lenders
One integration connects every platform to every lender.
Merchant experience
Financing as a native feature.
Pre-qualified merchants get a white-label offer inside your app: one tap, auto-filled, no paperwork.
- White-label, in-platform experience
- One-tap, auto-filled, e-signed
- Live in days with a pre-built integration
Inside your platform
Notification
You're pre-qualified for SAR 250,000
Working capital · 12 months
Auto-filled, e-signed, funded in minutes. No paperwork.
The merchant financing opportunity
70% of your merchants can't access formal financing yet. That's your opportunity.
When merchants can get working capital, they grow, and they grow on your platform. Banks reject most SME loan applications because they can't assess small businesses profitably, which leaves that demand open to you.
Software platform to financial platform
Shopify, Toast, Square, and Amazon didn't become lenders. They embedded lending, using merchant data as the underwriting signal and partnering with capital providers for funding.
The gap is costing you growth
When merchants can't get working capital, they slow down, cut inventory, and churn. Their lost transactions are your lost GMV. Embedding financing keeps them growing on your platform.
The business case
Three ways merchant financing grows your platform.
Retention
Merchants with access to financing stay longer. Shopify reports Capital recipients have meaningfully higher retention than non-recipients.
GMV and transaction growth
Funded merchants invest in inventory, marketing, and expansion. Their transaction volume on your platform increases.
New revenue line
Origination fees on every funded merchant, plus data monetization. Revenue that scales with your merchant base, not your headcount.
Who's already moving
Saudi platforms with the merchant base to lead.
SAMA's Open Banking Framework enables secure data sharing. Fintech lending licenses let non-bank lenders participate. The infrastructure exists.
Payroll & HR platforms
200K+ employers. Working capital financing based on payroll stability.
E-commerce platforms
60K+ merchants. Inventory and marketing financing based on GMV.
Restaurant & POS platforms
30K+ outlets. Cash advance based on daily POS volume.
Payment platforms
Thousands of merchants. Transaction-backed financing.
Getting started
From first conversation to live merchant financing.
Keep doing what you're great at. Let the lending infrastructure handle the rest.
Partnership discussion
We map your merchant base, data assets, and commercial model.
Integration
Single API connection. Your engineering team scopes it in days.
Lender matching
We connect your platform to a network of licensed lenders matched to your merchant profile.
Launch
Merchants see financing inside your app. Applications flow. Funding starts.
Offer financing without becoming a lender.
0
Lending license or capital required
Days
To launch with a pre-built integration
0
Balance sheet risk for your platform
How it works
Frequently asked questions
No. Abwab connects your platform to licensed lenders. You facilitate the connection and earn origination fees. The lenders handle credit risk, collections, and regulatory compliance.