Working capital and invoice financing service for businesses using Xendit payments.
Xendit Financing gives businesses access to working capital, invoice financing, instant loans, and platform financing with minimal documentation and competitive rates. Loan types cover short and long-term needs, with tenors up to 24 months and repayment through monthly installments or auto-deduction from a Xendit balance.
Invoice financing bridges up to 80 percent of an invoice amount, while platform financing lets marketplace operators extend capital to their own partners. The service is built for merchants already processing payments through Xendit, so repayment can draw directly on their settlement flow.
| Attribute | Financing | PayPal Working Capital | Shopify Capital | Square Loans | |
|---|---|---|---|---|---|
| Provider |  |  |  |  | |
| Founded | 2015 | 1998 | 2006 | 2009 | |
| Sells To | Enterprise, Small Business | Enterprises | Enterprise, Small Business | Individuals, SMB | |
| Pricing Model | Transactional | Transactional Commission | Recurring, Software, Transactional | Transactional Commission | |
| Ownership | Venture-backed | Public | Public | Public |
Provider
Founded 2015
Sells To Enterprise, Small Business
Pricing Model Transactional
Ownership Venture-backed
Provider
Founded 1998
Sells To Enterprises
Pricing Model Transactional Commission
Ownership Public
Provider
Founded 2006
Sells To Enterprise, Small Business
Pricing Model Recurring, Software, Transactional
Ownership Public
Provider
Founded 2009
Sells To Individuals, SMB
Pricing Model Transactional Commission
Ownership Public
On-chain working capital advances for e-commerce merchants against receivables.
Optional vendor-invoice payment-plan service for eligible MarginEdge customers.
Embedded B2B buy-now-pay-later financing that lets approved buyers defer payment while merchants are paid upfront.
SME invoice financing platform converting unpaid invoices into instant cash within 24 hours across UAE and Saudi Arabia.
Business financing with flat-fee loans and merchant cash advances repaid as a percentage of daily sales.
Invoice advance service that lets businesses turn unpaid invoices into working capital.
Collaborative accounts receivable and B2B payment platform with customer portals and cash application automation.
Restaurant vendor-payment platform for organizing, approving, reconciling, and paying bills.
Invoices is Flutterwave's tool for creating, sending, and tracking multi-currency invoices.
API-first payment operations platform for bank money movement, ledgering, and reconciliation.
Flutterwave Capital offers Nigerian merchants collateral-free working-capital loans repaid from daily sales.
On-chain working capital advances for e-commerce merchants against receivables.
Optional vendor-invoice payment-plan service for eligible MarginEdge customers.
Embedded B2B buy-now-pay-later financing that lets approved buyers defer payment while merchants are paid upfront.
SME invoice financing platform converting unpaid invoices into instant cash within 24 hours across UAE and Saudi Arabia.
Business financing with flat-fee loans and merchant cash advances repaid as a percentage of daily sales.
Invoice advance service that lets businesses turn unpaid invoices into working capital.
Collaborative accounts receivable and B2B payment platform with customer portals and cash application automation.
Restaurant vendor-payment platform for organizing, approving, reconciling, and paying bills.
Embedded Philippine payments API for collections, payouts, merchant accounts, and reconciliation.
Invoices is Flutterwave's tool for creating, sending, and tracking multi-currency invoices.
API-first payment operations platform for bank money movement, ledgering, and reconciliation.
Flutterwave Capital offers Nigerian merchants collateral-free working-capital loans repaid from daily sales.
