CaptiFin

Your platform's own financing arm.

We build, fund and run it with you, in a ring-fenced joint venture backed by a bank partner. You keep the customer, the data and the economics.

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How a CaptiFin financing arm is owned and run Your platform, CaptiFin and a bank partner sit side by side as the three shareholders of a ring-fenced joint venture: a financing arm under your platform's brand. The financing arm offers embedded financing to your customers and is repaid from their processing flows. Shareholder Your platform Customers, data, distribution Shareholder and operator CaptiFin Builds, staffs and runs the arm Shareholder Bank partner Credit facility, regulated capital RING-FENCED JOINT VENTURE Financing Arm under your platform's brand embedded financing repayment from processing flows Your customers Your platform, CaptiFin and a bank partner sit side by side as shareholders of a ring-fenced financing arm under your platform's brand, which serves your customers. Your platform Customers, data CaptiFin Builds and runs the arm Bank partner Credit facility RING-FENCED JOINT VENTURE Financing Arm under your platform's brand financing repayment Your customers
From the team behind the financing arm of Nayax (Nasdaq: NYAX), built with Bank Hapoalim. USUKESDEITGRPLSKCZ

Three shareholders.
One financing arm.

Each side brings what it is best at and holds a stake in the result. Your platform doesn't become a lender, and the bank doesn't have to build distribution. We build the arm and run it.

Contributes

Your platform
  • The customer relationship
  • Transaction and performance data
  • Distribution inside the product

Operates

CaptiFin
  • Structuring and setup of the JV
  • Underwriting, servicing and collections
  • The team that runs it day to day

Funds

The bank partner
  • Credit facility and funding
  • Regulatory framework
  • Long-term lending capacity

All three hold the ring-fenced financing arm, which carries your platform's brand.

From first call to live financing.

A defined path, with the bank partner involved from the structuring stage, not bolted on at the end.

  1. Assess

    We study your customer base and payment flows to size the opportunity and the risk.

  2. Structure

    We set up the joint venture and secure a credit facility with a bank partner.

  3. Launch

    Financing goes live inside your product, under your brand.

  4. Run and scale

    We operate the book, report to all partners and grow capacity with volume.

Own it, don't refer it out.

Referral deals hand your customers and data to someone else for a fee. A captive arm keeps both, without putting credit on your balance sheet.

Referral to a lender
Your own arm, with CaptiFin
Economics
A referral fee
A share of the financing economics
Customer
Handed to another brand
Stays in your product, under your brand
Data
Shared outward
Stays in-house and sharpens underwriting
Balance sheet
Not involved
Not involved: credit sits in the ring-fenced JV
Equity value
None
A new line of business you own a stake in

We have built this before.

Our team set up and ran the financing arm for the global merchant base of Nayax (Nasdaq: NYAX), with Bank Hapoalim. It started with device financing, became fully embedded and automated, and expanded into working capital.

9
countries live

Thinking about financing for your customers?

Tell us about your platform. We'll come back with a first view on whether a financing arm makes sense for you.

Email us hello@captifin.com