Embedded Point of Sale Lending, Under Your Brand
CredX adds an embedded lending layer to Point of Sale (POS) systems and Independent Software Vendor (ISV) platforms. Your merchants recover a share of what each transaction costs them, and they recover it through you.
A layer underneath the platform, not a rival to it.
CredX does not sell to your merchants, and does not stand between you and them.
It supplies the credit facility and the capital through community lender partners, who carry the credit risk, and the platform keeps the relationship it already owns.
What the integration asks of you.
The platform exposes the transaction event; CredX handles origination, funding, and servicing behind it. The lending experience is white-labelled under the platform's brand or the merchant's, as the platform prefers.
One mechanism, two sides of the ledger.
A reason to stay that a competing platform cannot match on price.
A share of what each transaction costs them, returning.
Value-back running inside the platform's own experience.
A value-back program carrying the merchant's own name.
Visibility into the transaction behaviour of its merchant base.
Access to structured intelligence from their own customer base.
A revenue relationship that grows with merchant volume.
Credit at checkout funded by community lender partners, who carry the risk.
How the partnership works commercially.
CredX earns from the lending it funds. The platform participates in that, on terms set per partnership rather than from a rate card.
If your merchants would gain from this.
A conversation about fit, before anything technical.