At Seedflex, our vision from the very beginning was to serve the underserved by bridging the credit gap and providing MSMEs across emerging Asia with access to capital so they can drive our region’s prosperity.
Seedflex was founded with the conviction that access to credit should be a right not a privilege. Access to flexible credit is vital for the survival and growth of MSMEs and these businesses form the backbone of all economies. And yet in emerging Asia, they continue to face challenges in securing the necessary financial resources to help them both survive and thrive.
This is the intersection where Seedflex operates in order to promote wider financial inclusion and facilitate capital flow. We believe every merchant deserves a fair chance to succeed regardless of their size or (lack of) credit history, and providing them access to credit will greatly improve their odds of success.
Traditionally in lending, the odds have been stacked against the underdog with underwriting based on static and historical data, while collection is enforced through fixed and pre-agreed installments. But now in the age of cashless commerce, there are new opportunities to democratize access to credit with dynamic transaction data revolutionizing the underwriting process and daily sales settlement allowing for fractional and flexible repayment.
However, individual cashless commerce platforms are limited by their own ecosystem constraints and partial visibility of a merchant’s business. This is where Seedflex steps in by acting as a conduit to integrate multiple platforms and ecosystems in order to serve a merchant’s full credit needs.
This is how Seedflex is redefining credit for cashless commerce by harnessing the power of technology to provide simple, easy-to-understand and transparent credit access to serve the underserved and promote a more financially inclusive and level playing field for all.