At Creditum, we specialize in providing a suite of innovative financial products tailored to the unique needs of small and medium-sized enterprises (SMEs). Our platform is designed to offer seamless access to financing solutions that empower businesses to achieve their growth potential.
Loans Against Payment Receivables
Immediate Access to Capital: Unlock working capital tied up in your daily credit card sales, both online and in-store, without waiting for traditional bank approvals.
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Flexible Repayment Options: Repay your loan based on your daily receivables, allowing you to maintain cash flow while managing debt with ease.
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Zero Collateral Required: Obtain financing without the need to provide physical assets as security, reducing the risk and burden on your business.​​
Invoice Financing
Upfront Cash for Invoices: Convert your outstanding invoices into immediate cash, ensuring that your business never faces a cash flow crunch.
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Flexible Repayment Terms: Choose repayment options that fit your business cycle, minimizing financial strain while maintaining operations.
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Mitigate Credit Risk: Reduce the risk of late payments or defaults by receiving upfront payments for your invoices.
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Strengthened Supplier Relationships: Pay your suppliers on time, every time, fostering trust and long-term partnerships.
Merchant Cash Advance
Fast Access to Funds: Get an advance on your future credit card sales, providing you with quick access to the capital you need to grow your business.
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Revenue-Based Repayment: Repay the advance as a percentage of your daily sales, giving you flexibility during slower periods and peace of mind during busier times.
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No Fixed Terms: Unlike traditional loans, MCA doesn’t require a fixed repayment schedule, allowing you to repay at a pace that aligns with your business’s cash flow.
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Simple Approval Process: With minimal paperwork and fast approval, MCA offers a straightforward way to secure financing.
Instant Settlement
Same-Day Access to Funds: Receive your receivables instantly, reducing the delay between sales and cash availability.
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Improved Cash Flow Management: Enhance your liquidity and ensure that your business has the financial flexibility needed to operate smoothly.
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Zero-Touch Operation: Automate the settlement process, allowing you to focus on growing your business instead of managing finances.
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Enhanced Financial Control: Gain better control over your cash flow with consistent, predictable settlements that align with your business needs.
