For platforms
Your merchants need working capital, you already have the data to underwrite it
Trip history, settlement volume, completed loads, payout consistency. A bank sees none of it. Trazmo turns what you already hold into a credit product inside your own app, with a licensed lender carrying the balance sheet.
You do not need a lending licence and you do not take credit risk. Neither does Trazmo.
Nazir Electronics · POS terminal #4471
Advance sized on 90 days of daily settlement
Daily settlement, last 10 weeks
Which one are you
Four kinds of platform, the same mechanism underneath. Each one below shows the data you already hold, the product it becomes, and how the money moves.
Adnan K.
Rider · 14 months on platform
1,284
Completed trips
98%
Completion rate
PKR 62,400
Avg monthly payout
Netted from the weekly payout
No separate collections process
01 · Gig economy
Riders and drivers who earn on your platform every week
Ride-hailing, delivery, driver-partner apps
A delivery rider on your platform needs a motorcycle to start earning. You already know their trip history and payout consistency better than any bank ever could.
A driver has a slow week and needs a short cash advance against next week's earnings, repaid automatically out of future payouts.
02 · Logistics & supply chain
Carriers and distributors who deliver weeks before they get paid
Freight marketplaces, fleet, trucking and distribution platforms
A trucking partner needs fuel and maintenance financing between loads. You already see their completed-trip rate and freight volume.
A logistics company waits 30 to 60 days to get paid by shippers but has to pay its drivers every week. Invoice financing against the receivables you already track bridges that gap.
Advance today
PKR 496,000
Released today against 1 verified invoice
03 · POS & merchants
Retailers whose card volume you watch settle every day
Merchant acquiring, payments providers, retail terminals
A retail merchant on your POS terminal needs working capital for inventory before a big sales season. You already see their daily transaction volume, so you can size the advance and collect it as a slice of daily settlement.
A shop wants two more terminals before the season and cannot fund the hardware outright. Their card volume on your network already tells you whether it will pay for itself.
Average daily settlement
PKR 140,000
Daily settlement, last 12 weeks
Advance offered
PKR 840,000
Collected per day
PKR 16,800
Clears in about 50 trading days
12% of each day's settlement, slow weeks repay slower
04 · Marketplaces & delivery
Sellers and restaurants waiting on the payout you already owe them
E-commerce marketplaces, food delivery, quick commerce, COD sellers
An online seller on your marketplace needs cash to fulfil a large order before you pay them out. You already hold the order and payout data that makes this a same-day decision instead of a bank's two-week one.
What you already see
Ravi Home Goods
Seller · 3 years on platform
Order-backed advance
PKR 666,000
90% of a confirmed order, released today instead of on day 10
The same mechanism extends to any platform sitting on regular transaction data: subscription and SaaS billing platforms, telco and utility billers, B2B distribution apps. If you can see money moving on a schedule, it can be underwritten.
What you keep, what you hand off
You keep
The brand, the app and the customer relationship. Credit appears as a feature of your product, not a redirect.
The data advantage and a share of the economics, without a lending licence or capital of your own.
You hand off
The licence and the balance sheet. A regulated lending partner funds every facility and owns the credit decision.
The credit risk, provisioning and regulatory reporting. Trazmo runs the rail and holds no risk either.
How it works
We embed the flow
Application, offer and acceptance inside your app over APIs. Your UI, your copy.
We underwrite on your data plus cashflow
Platform signals joined to bank statements and bureau data. DocuMind does the spreading.
The lending partner decides
Their credit box, their approval, their capital. One partner or several on the same rail.
Money moves, repayment runs itself
Disbursement and settlement on the real-time ledger. CollectBot handles the exceptions.
Why the data is the moat
Same borrower, two very different files
An off-platform lender sees
2 sourcesTwo weeks of document chasing to reach a decision that mostly says no.
You see
6 sourcesA same-day decision, and a higher approval rate at the same risk standard.
Repayment sits inside the same flow. When collection is a slice of settlement or a netted payout, recovery does not depend on the borrower remembering a due date.
You stay in control
Your brand, end to end
Application, offer, repayment and support all carry your name. The lender appears where disclosure requires it, nowhere else.
One partner or several
Start with a single lender, add more as volume grows. Applications route by credit box, so declines find the next appetite instead of ending.
Audit-ready for the partner and the regulator
Consent, data lineage, decision trail and the double-entry ledger are all recorded. Your lending partner's compliance team can trace any facility end to end.
Show us your platform, we will show you the credit product
Tell us what data you hold and who transacts on you. We will come back with the product, the underwriting logic and the lending partner that fits.