A supplier wins a large order
Goods must be bought before delivery to the buyer. This is purchase order or procurement financing.
Who this is for
Platforms where businesses sell and buy
This page is for product and partnership teams at business platforms in Kazakhstan that want to offer their customers financing without becoming a lender.
- B2B procurement and wholesale platforms
- POS, checkout and restaurant systems
- Marketplaces and tools for online sellers
- Accounting, bookkeeping and ERP
- Delivery and logistics
- Payment services for merchants
Illustrative examples
Financing needs your customers may have
These are typical situations, not real customers or results. Whether financing fits, and on what terms, is the lender’s decision.
A distributor waits for invoices to be paid
Goods are shipped and the buyer pays later. Receivables financing, such as factoring, fits here.
A café buys a month of supplies
Working capital for regular purchases. Sales history in the POS system helps describe the need.
An online seller prepares for the season
Stock must be built up in advance. Sales data on the marketplace shows where the need comes from.
What your customers get
Financing for a specific need
Apply in a familiar interface
The application starts in your platform using data shared with the owner’s consent. The lender may request further information or steps.
Financing for the task
Stock, an order, invoices or working capital, not an abstract loan.
Clear status
The lender’s answer and the next step appear where the work happens.
How a pilot runs
Five steps from use case to evaluation
A pilot tests one use case and can start manually. Timing and scope are agreed with you and the lender.
- 01
Choose the use case
Which customers need financing, and for what.
- 02
Review data and consent
What data you hold, what can be shared with the business owner’s consent, and what is missing.
- 03
Agree with a lender
Find a lender that fits the use case and fix who is responsible for what.
- 04
Set up operations
Entry point, manual application handoff, statuses and customer support for the pilot.
- 05
Evaluate the pilot
Review the results with you and the lender and decide whether and how to continue.
Who does what
Roles of the platform, CapVeni and the lender
Proposed split of roles in a pilot. The parties’ contracts set the final version.
| Task | Platform | CapVeni | Lender |
|---|---|---|---|
| Entry point and customer contact | Shows the offer to its customers | Helps with the use case and wording | Names itself and its terms |
| Business owner consent | Shares data only with consent | Organises consent and records its scope | Receives data within the consent |
| Application data | Provides the agreed data set | Prepares the application: sources, dates, gaps | May request further information |
| Lender matching | Not involved | Routes the application by the lender’s initial criteria | Sets the criteria |
| Decision, terms, contract | Not involved | Not involved | Decides, sets the terms, signs the contract |
| Disbursement and servicing | Not involved | Not involved, funds never pass through CapVeni | Pays out directly to the business and services the financing |
| Credit risk | Does not carry it | Does not carry it | Carries it |
Entry point and customer contact
- Platform
- Shows the offer to its customers
- CapVeni
- Helps with the use case and wording
- Lender
- Names itself and its terms
Business owner consent
- Platform
- Shares data only with consent
- CapVeni
- Organises consent and records its scope
- Lender
- Receives data within the consent
Application data
- Platform
- Provides the agreed data set
- CapVeni
- Prepares the application: sources, dates, gaps
- Lender
- May request further information
Lender matching
- Platform
- Not involved
- CapVeni
- Routes the application by the lender’s initial criteria
- Lender
- Sets the criteria
Decision, terms, contract
- Platform
- Not involved
- CapVeni
- Not involved
- Lender
- Decides, sets the terms, signs the contract
Disbursement and servicing
- Platform
- Not involved
- CapVeni
- Not involved, funds never pass through CapVeni
- Lender
- Pays out directly to the business and services the financing
Credit risk
- Platform
- Does not carry it
- CapVeni
- Does not carry it
- Lender
- Carries it
Available today
- Use-case review and pilot preparation
- A walkthrough of the process on synthetic data
- A manual application handoff, agreed for the pilot
Proposed, not yet live
- An embedded entry point in your product
- Automated data and status exchange
- Connected lenders and integrations with them
Integration depth
You can start small
These are stages, not a set you need on day one.
- 01
A link or manual handoff
For a pilot, a link or a manual handoff of applications is enough.
- 02
An embedded entry point
A financing button or section in your product.
- 03
Lender answers in your interface
The lender’s status and terms are shown in your product.
What you do not do
- You do not fund loans
- You do not make the credit decision
- You do not carry credit risk
First conversation
What we establish in the first conversation
A short conversation to see whether a pilot fits your platform. No customer financial documents are needed for it.
- Your organisation and your role in it
- The market your customers operate in
- The customer segment that needs financing
- The need: purchasing, an order, invoices or working capital
- What data you hold and what can be shared with consent
- Who inside the company sponsors the pilot
Guides
Read before we talk
- Supplier financing on a B2B platform: pre-delivery purchase funding and factoring How a B2B platform can offer supplier financing: purchases, orders and factoring.
- Lender API, manual pilot or orchestration: how a platform should choose Comparing responsibilities, data and effort for a platform across three options.