Introduction
Your platform’s success is tied to how well your users can grow. But growth can be a daily struggle for many small and medium-sized enterprises (SMEs). Their tight margins, long payment cycles and lack of immediately-available capital often hold them back.
Even the most reliable sellers can get overlooked by traditional banks if they lack the right collateral or formal credit history – a regular occurrence for MSMEs in Brazil, which comprise 95% of all businesses in the country but still face major barriers to accessing finance. This has led to a financing gap of USD 593 billion for the Brazilian MSME sector.
Embedded finance changes that dynamic. By enabling access to capital at the moment your users need it – whether to restock hot-selling items or seize a growth opportunity – you help them move forward with confidence. And when they win, so do you.
Bettr’s embedded lending products are tailored to the realities of Brazilian platforms and their SME clients, whatever their growth stage or ambition: from short-term working capital needs to more strategic, long-term expansion. Read on for a quick look at how each solution works and where it delivers the most impact.
A. Working capital financing
Every business needs cash on hand to keep daily operations running smoothly, whether that means paying suppliers on time or stocking up on fast-moving products. Working capital financing gives Brazilian merchants immediate access to funds in case revenue is delayed, helping them bridge cash gaps without slowing down.
Bettr Working Capital – already live in Brazil – integrates Bettr’s AI-powered lending technology into the AliExpress platform to extend fair, fast financing directly to their sellers.
Bettr’s AI models analyse real transaction data and other business signals from the platform itself, enabling tailored credit limits and responsible lending decisions even for merchants with limited traditional credit histories.
For Brazilian entrepreneurs, working capital financing can be an essential lifeline. For example, Brazil’s auto-parts suppliers are under pressure to fulfil large OEM contracts but often lack sufficient working capital – an issue made worse by new import tariffs tightening credit conditions. Digital platforms can integrate working capital financing within existing ecosystems to help fulfill these suppliers’ working capital demands.
Wherever a platform is closely connected to day-to-day business activity, working capital financing becomes a powerful way to help users stay resilient, grow faster and stay loyal.
B. Accounts receivable financing
Waiting to get paid shouldn’t get in the way of running your business. By using verified receivables as collateral, accounts receivable financing unlocks cash that’s already earned but still sitting in unpaid invoices: helping suppliers cover essentials without stress or expensive short-term loans.
Bettr’s AI-driven accounts receivable financing solution supports e-commerce platform vendors with working capital access for high-volume shopping seasons like Black Friday – times when sales may surge up to five times their average volume, but disbursements don’t speed up to match demand.
And it’s just as useful in other industries. For instance, Brazilian coffee exporters often need to wait for buyers overseas to settle payment while they bear costs of production, logistics, and export (not to mention tariffs). AR financing can unlock cash tied up in unpaid invoices, ensuring smooth replenishment of inventory and uninterrupted delivery schedules.
In short, Brazilian businesses get the liquidity they need to operate confidently, and platforms strengthen relationships by helping users stay financially resilient.
C. BNPL for businesses
Buy Now, Pay Later (BNPL) isn’t just for consumers. In the B2B world, BNPL gives small businesses the flexibility to purchase what they need now and spread payments over time. That leads to fewer delays caused by tight cash flow, and more opportunities to keep operations moving without delay.
Brazilian consumers have driven BNPL’s slow but steady adoption. BNPL transactions currently make up about % of e-commerce transaction payments in Brazil, but those numbers are only expected to rise as instalment options through Pix gain steady uptake.
For platforms, BNPL often leads to higher conversion rates and larger order values, because buyers can commit to bigger purchases when payment isn’t an immediate hurdle. Many merchants that add BNPL see noticeable improvements in completed checkouts and average basket sizes compared with traditional card-only options.
Brazilian E-commerce and B2B Procurement sites can offer BNPL solutions to partner merchants and SMEs. For instance, a food delivery platform might use BNPL to take care of couriers and drivers with irregular income flows. They can offer instalment plans for motorcycle maintenance, fuel, helmets, or smartphones, with repayments deducted automatically from driver earnings or digital wallets.
Offering BNPL in this context strengthens worker retention and productivity, while improving financial inclusion.
D. Revenue-based financing (RBF)
Revenue-based financing gives merchants access to growth capital without the rigidity of traditional loans. Instead of fixed instalments, repayments flex with the business. When revenue is higher, payments increase; when sales slow, the repayment adjusts too. It’s a practical approach for sellers with uneven or seasonal cash flows.
RBF is particularly useful for merchants who have limited formal credit history despite strong sales activity on a platform. Bettr’s RBF solution uses real revenue data to assess creditworthiness, giving platforms the peace of mind to support these growing businesses while also reducing lending risk.
Top-performing sellers can scale faster using RBF for their working capital needs, knowing they won’t be pressured by repayment schedules during quieter periods.
This model fits well in industries with fluctuating demand. Online marketplaces can deploy RBF to reward high-potential merchants with additional capital; travel and hospitality platforms can help partners manage seasonal dips by linking repayments directly to daily bookings. Ultimately, RBF ensures financing grows in step with the business, not against it.
Choosing the right EmFi product for your platform
Brazil offers strong conditions for widespread EmFi adoption. By 2027, nearly two-thirds of Brazilians are expected to shop online, with the local e-commerce market projected to reach US$125.68 billion in value by 2029.
The success of Pix, the instant payment system launched in 2020 and now used by 76.4% of the population, has further boosted consumer confidence in digital payments.
The country also ranks 10th in BBVA Research’s Multidimensional Index for Financial Inclusion—indicating a population increasingly comfortable with and able to access financial services. Meanwhile, new tariffs are putting additional financial pressure on SMEs, driving demand for alternative sources of funding beyond government support, and creating even greater momentum for embedded finance solutions.
However, before you consider adopting EmFi onto your platform, take due consideration of the following factors when deciding which solution to implement.
Start with understanding what your users genuinely need. If long payment cycles frequently disrupt your users’ cash flow, for example, accounts receivable financing can help them unlock the cash they’ve already earned. If they struggle to restock or keep operations moving because they lack upfront funds, working capital financing may be the more direct answer.
Examine your business’ readiness to collect raw data, and later, draw insights from them. Embedded finance works best when it uses real business activity already happening on your platform – sales volume, transaction history, fulfilment records, user behaviour among them.
The stronger your ability to collect and analyse this information, the more effectively you can tailor credit limits, eligibility and product availability. Data-driven customisation ensures that only the most relevant payment options are presented to customers.
Integration within your platform ecosystem is another key consideration. The solution should appear naturally at points of high engagement, such as restocking flows or checkout pages. BNPL, in particular, is noted for its ease of integration at checkout.
Finally, decide whether to build or partner. Developing your own lending capabilities means taking on regulatory compliance, risk modelling and ongoing servicing: areas well outside the core strengths of most digital platforms.
On the other hand, working with an experienced provider can dramatically shorten time to market. With API-driven infrastructure, fully embedded financing features can often be launched in less than two months, with ongoing support handled by specialists.
A Bettr Way to offer EmFi
Bettr’s AI-powered EmFi platform makes funding more accessible for the people who power your ecosystem. It looks at real performance data on your platform – things like invoices, sales activity, fulfilment behaviour and customer ratings – to instantly generate a precise credit risk assessment.
The same AI system monitors transactions in real time to flag unusual patterns early and reduce exposure – securing your platform without interrupting the user experience. Risk is managed continuously as merchants scale, so they can pursue new opportunities with confidence while you maintain a healthy portfolio.
If you’re exploring ways to embed smarter, data-driven financing into your platform and give Brazilian users the support they need to grow, Bettr is ready to help.
