CapVeniRU

For platforms and lenders in Kazakhstan

Financing for your platform's business customers

In the CapVeni model, consented business data becomes an application for a suitable lender. The lender decides and provides the financing.

Discuss a pilotHow it works
Pilot-ready · start without integrationFunding is possible after lender approval and once conditions are met
Illustrative model. Businesses work in different platforms: POS systems, marketplaces, B2B procurement, accounting, delivery, payment services. With the owner’s consent, business data goes to CapVeni. CapVeni prepares an application and sends it to one suitable lender, a bank or an MFO. The decision, terms and contract belong to the lender, and the answer returns to the platform. If the lender approves, the business accepts the offer, the contract is signed and funding conditions are met, funds go from the lender straight to the business, not through CapVeni.Platforms where businesses workExample lenders and productsLender funds: straight to the businessconsent · data · matchingMarketplacesonline sellersB2B procurementsuppliersAccounting andbookkeepingsmall businessesDeliveryrestaurantsPayment servicesmerchantsBankcontract signedBankpurchase order financeMFOinventory financeBankreceivables financeIllustrative model. Businesses work in different platforms: POS systems, marketplaces, B2B procurement, accounting, delivery, payment services. With the owner’s consent, business data goes to CapVeni. CapVeni prepares an application and sends it to one suitable lender, a bank or an MFO. The decision, terms and contract belong to the lender, and the answer returns to the platform. If the lender approves, the business accepts the offer, the contract is signed and funding conditions are met, funds go from the lender straight to the business, not through CapVeni.Platforms where businesses workExample lenders and productsLender funds: straight to the businessconsent · data · matchingMarketplacesonline sellersB2B procurementsuppliersAccounting andbookkeepingsmall businessesDeliveryrestaurantsPayment servicesmerchantsBankcontract signedBankpurchase order financeMFOinventory financeBankreceivables financeIllustrative model. Businesses work in different platforms: POS systems, marketplaces, B2B procurement, accounting, delivery, payment services. With the owner’s consent, business data goes to CapVeni. CapVeni prepares an application and sends it to one suitable lender, a bank or an MFO. The decision, terms and contract belong to the lender, and the answer returns to the platform. If the lender approves, the business accepts the offer, the contract is signed and funding conditions are met, funds go from the lender straight to the business, not through CapVeni.Lender funds: straight to the businessMarketplacesonline sellersB2BprocurementsuppliersAccounting andbookkeepingsmall businessesDeliveryrestaurantsPaymentservicesmerchantsBankcontract signedBankpurchase orderfinanceMFOinventory financeBankreceivablesfinance

For platforms

Financing inside your product

Customers apply where they already work. The platform does not fund loans.

CapVeni

Consent, data, matching

In the CapVeni model, the application is prepared from consented business data and sent to a suitable lender.

For lenders

Applications with deal context

The decision, terms, contract and funding stay with the lender.

How it works

Four steps from a business need to a lender decision

  1. 01

    A business need

    A business needs stock, a large order fulfilled or working capital. It can apply in the platform it already uses.

  2. 02

    Consent and data

    The owner chooses what to share. The application shows each data source, its date and what is missing.

  3. 03

    The lender decides

    The application goes to a suitable lender based on its initial criteria.

  4. 04

    Answer and funding

    The lender’s answer returns to the platform. Funding is possible after approval, acceptance of the offer, signing of the contract and fulfilment of the lender’s conditions. Funds go from the lender straight to the business.

In the proposed model, the platform does not fund loans. The credit decision and credit risk stay with the lender.

Who it is for

One infrastructure, two sides

For platforms

  • Financing for your customers inside your product
  • No lending balance sheet and no credit risk of your own
  • Start with a pilot, no deep integration needed
More for platforms

For lenders

  • Applications from businesses via platforms that know them
  • Consented data: source, date, gaps
  • The decision, terms and contract stay yours
More for lenders

For businesses

Financing where you already work

In the model, businesses apply through a business platform. The lender decides whether financing is available and on what terms. The lender and its terms are named before signing.

  • Buying stock
  • Fulfilling an order
  • Receivables finance
  • Working capital

Roles

What stays with the lender

  • Credit policy
  • Rate and terms
  • Decision on the application
  • Binding offer
  • Contract with the business
  • Disbursement
  • Servicing
  • Credit risk

CapVeni handles consent, data preparation, lender matching and application status.

Let’s start with a pilot

One scenario, an agreed data scope and transfer process, the lender’s criteria. You can start manually, without deep integration.

Discuss a pilot Telegram
Or write topartners@capveni.com