Spend less effort underwriting your smallest clients
Businesses need to accept payments and, eventually, to borrow. Finli helps on both fronts: payment acceptance your smallest clients can start using quickly, and verified operating data your credit team can review.
The small-client problem
Merchant services and small-dollar credit can take nearly as much work to set up as a larger relationship, for far less revenue. As a result, many of the smallest business clients go elsewhere for card processing, then arrive with a stack of documents when they apply for credit.
Finli gives those clients a way to accept payments under your brand, and builds a record of how the business operates while they use it.
How Finli reduces the load
Payment acceptance in five business days
A standalone white-labeled page can give businesses ACH debit and card processing in five business days.
Verified at onboarding
Businesses go through KYC/KYB verification, and transaction monitoring covers all Finli payments.
Verified operating data
AR aging, revenue concentration and inventory drawn from real invoicing and payment activity.
Cash flow where you can see it
Receivables settle into the business's account at your institution, so cash flow shows up where your team can review it.
Bankers freed for bigger work
Less time on small-dollar onboarding means more time for relationships that need a banker's attention.
Your credit policy still decides
Finli does not lend and does not make credit decisions. Its operating data gives your team context, such as how quickly a business gets paid or whether it depends on one large customer. How that context fits your underwriting is up to your institution's credit policy.
Common questions
Who handles business verification?
What data does our credit team see?
How long does it take to launch?
Start with a 30-minute conversation
Bring your questions about deposits, launch or a specific industry. A first call is for answering them — a full walkthrough for your wider team comes after, whenever you want it.