>40%
對沖成本節省
>90%
預測精確度
24/7
可靠性
"Bettr 的資金管理平台幫助 Capital A 降低外匯成本，保護和提高我們的利潤率，降低風險，同時改善整體營運。該平台使我們能夠預測我們的現金流，從而更好地管理我們的外匯風險"。
Aireen Omar、
集團首席執行官辦公室
BigPay
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 entrepreneurs in Brazil, Vietnam or right where you live.
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 built for different stages and ambitions: from short-term working capital needs to more strategic, long-term growth. 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 merchants immediate access to funds in case revenue is delayed, helping them bridge cash gaps without slowing down.
Bettr 營運資金 – 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.
And the benefits extend well beyond e-commerce. AgTech platforms can extend working capital financing, helping farmers invest in seeds and equipment ahead of harvest. Logistics marketplaces can support small carriers struggling with fuel and maintenance expenses while waiting for invoices to clear.
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 gives e-commerce sellers access to capital during peak shopping periods, when stock demand and operating costs rise sharply. It keeps cash flow predictable even when payment terms are long.
And it’s just as useful in other industries: logistics and freight platforms can offer drivers early payment once deliveries are confirmed; small manufacturers can free up cash tied to long corporate payment cycles; and agencies can continue projects smoothly while waiting on 30–90 day client payments.
In short, 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.
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.
The model applies well across industries. E-commerce and B2B procurement platforms can offer BNPL to help partner merchants stock up or invest in upgrades. Telecom providers can extend flexible payment plans to business customers as part of a broader service offering.
Wherever users face upfront costs that prevent timely purchases, BNPL can smooth the path to growth.
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
Not every financing solution will fit every platform. The right choice starts 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 users the support they need to grow, Bettr is ready to help.
