Launch instant lending products with real-time retail data
Build breakthrough fintech applications using Metristack's unified retail API. Access merchant cash flows, automate underwriting, and scale lending operations across Africa.
Instant Decisions
Make lending decisions in seconds with real-time sales data and automated risk assessment.
Accurate Risk Assessment
Reduce defaults with comprehensive merchant performance data across multiple platforms.
Scale Operations
Process thousands of applications with automated workflows and unified data access.
Fintech Applications
From merchant cash advances to invoice financing, build lending products that serve African businesses.
Merchant Cash Advances
Revenue-based financing
Provide instant capital to merchants based on their sales performance. Use real-time revenue data to determine advance amounts and create automatic repayment schedules.
Example: A restaurant with $50k monthly sales can receive a $15k advance, automatically repaid through daily sales splits across all their payment channels.
Invoice Financing
B2B payment acceleration
Accelerate B2B payments by advancing funds against outstanding invoices. Use customer payment history and merchant relationships to assess risk.
Example: A wholesaler with a $25k invoice from a reliable retailer can get 80% advance ($20k) with payment completion in 30 days.
Working Capital Loans
Growth financing
Provide term loans for inventory, expansion, and operational needs. Use comprehensive business metrics to determine loan amounts and terms.
Example: A growing electronics store with steady 15% monthly growth qualifies for a $75k term loan at competitive rates.
Credit Scoring
Alternative risk assessment
Build sophisticated credit scoring models using retail transaction data. Create alternative credit profiles for businesses without traditional credit history.
Example: A new business with 6 months of consistent sales data receives a credit score that qualifies for micro-lending products.
Build with real-time data
Access comprehensive merchant metrics through a single API. Make informed lending decisions with up-to-date sales data, customer patterns, and business performance indicators.
Revenue Analytics
Track daily, weekly, and monthly sales trends across all merchant platforms.
Risk Indicators
Monitor payment failures, refund rates, and customer disputes in real-time.
Business Insights
Understand customer behavior, seasonal patterns, and growth trajectories.
// Get merchant financial metrics
const metrics = await metristack.merchants.getMetrics({
merchantId: 'merchant_abc123',
timeRange: '90days'
});
// Calculate credit score
const creditScore = calculateScore({
monthlyRevenue: metrics.averageMonthlyRevenue,
revenueGrowth: metrics.revenueGrowthRate,
transactionCount: metrics.totalTransactions,
refundRate: metrics.refundRate,
paymentFailureRate: metrics.paymentFailureRate
});
// Make lending decision
if (creditScore > 650 && metrics.monthlyRevenue > 10000) {
const loanAmount = metrics.monthlyRevenue * 0.3;
await approveLoan({
merchantId: 'merchant_abc123',
amount: loanAmount,
terms: calculateTerms(creditScore)
});
}Success Stories
See how fintech companies are using Metristack to transform lending
FlexCapital
Merchant Cash Advances
"Metristack reduced our underwriting time from 3 days to 15 minutes. We've processed over $50M in advances with a 40% lower default rate compared to traditional scoring."
QuickCredit
SME Lending Platform
"By integrating multiple African payment platforms through Metristack, we've expanded our lending portfolio by 300% while maintaining credit quality standards."
Ready to launch your fintech product?
Start building with Metristack's unified retail API. Get access to comprehensive merchant data and launch your lending platform in weeks, not months.
No setup fees • 15-minute integration • Comprehensive documentation