Smarter Capital for the World's Cross Border Merchants
Embedded Merchant Lending, Powered by Transaction Intelligence
Lending Options for our Cross-Border Merchants
Capital Flows With Trade
AgenticPay provides fast, data-driven working capital to cross-border merchants across Asia, the Middle East, and Africa — underwritten by the live transaction and compliance data we already hold. We sit inside the payment flow, so we lend smarter, faster, and to the merchants traditional banks won't touch.
What We Do
AgenticPay partners with cross-border FX platforms to deliver fast, data-driven working capital to emerging market merchants — underwritten by the transaction, AML, and KYC data that banks don't have access to.
- We Lend Where the Data Already LivesMost lenders guess. We know. Our underwriting is built on live AML, KYC, and transaction data from the merchants we serve — not credit scores or stated income.
- Embedded in the Payment FlowAgenticPay sits inside cross-border FX infrastructure. By the time a merchant applies for capital, we already know their volumes, counterparties, and risk profile.
- Built for the Merchants Global Banks OverlookAsia. The Middle East. Africa. Latam. These markets move billions in cross-border trade — and their working capital needs are chronically underserved by traditional finance.
- Repayment That Works With the Revenue CycleCapital is repaid through future transaction flow — no invoice chasing, no missed collections. The money moves the way the business moves.
- Institutional-Grade Risk, Emerging Market SpeedWe combine the compliance rigour of regulated finance with the decisioning speed that growing merchants actually need. Fast approvals. Clean books.
- A Billion Pounds of Transaction Flow Backs Every DecisionOur partner network processes over £1B GBP annually in cross-border FX. That's not a data sample — that's a live, verified view of how these businesses operate.
We sit inside the payment flow. Our merchants are already verified, already transacting, already known. That means faster decisions, lower default risk, and repayment built into the revenue cycle — not chased after the fact.
Backed by institutional lending.
Backed by institutional lending.
We underwrite from the inside — live AML, KYC, and transaction data flowing through our partner network gives us a real-time view of every merchant's cashflow, counterparty risk, and trading behaviour. By the time a decision needs to be made, we already know the answer.
Our platform gives merchants a single, clean dashboard to apply, draw down, and repay capital — no paperwork trails, no branch visits, no waiting. Everything from application to repayment is handled in-app, designed around how cross-border traders actually work.
Types of Lending We Offer
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- Revenue-Based Working Capital Advances
Short-term capital (30–180 days) repaid automatically as a percentage of the merchant's ongoing FX transaction flow. No fixed monthly payments. No collections friction. Repayment scales with how the business is actually performing — making it the lowest-friction product for active cross-border traders. - 2. Trade Finance FacilitiesFor merchants buying inventory cross-border and waiting on payment from buyers. We bridge the gap between when goods ship and when payment lands — underwritten against confirmed transaction history and counterparty data we already hold. Designed for the import/export cycle in Asia, MENA, and Africa where payment terms can stretch 60–120 days.
- 3. Fixed-Term Merchant LoansStructured term loans of 6–24 months for larger capital needs — expansion, new market entry, equipment, or working capital reserves. Priced against our proprietary risk scoring and sized to the merchant's verified annual FX volume. Fixed repayment schedule, clean documentation, and fully aligned with our bullet bond funding tenor on the liability side.
