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A full-stack, API-first lending infrastructure with AI-powered underwriting, flexible loan rails,
end-to-end repayment automation, and deep ecosystem integrations — built to scale globally.
Six integrated layers that turn live merchant revenue data into intelligent credit decisions — from first data share to automated repayment reconciliation. Each layer is independently accessible via API, so partners integrate at the depth that suits them.
Unlike traditional lending infrastructure that relies on credit history and collateral, Seedflex's stack is built around a merchant's live revenue signals — across every platform and bank account they operate.
Seedflex participates in revenue upside and downside alongside every partner — aligning incentives across the full value chain through risk-adjusted revenue sharing.
No credit bureau dependency. No collateral. Seedflex reads live revenue signals to produce dynamic credit limits — and keeps them current as the merchant's business grows.
Each merchant holds individual Credit Pockets — one per revenue source. Each pocket carries its own credit limit. Merchants can draw from individual pockets independently and apply for separate loans per pocket — maximising access to capital across all their revenue streams.
Beyond individual pockets, the engine consolidates signals across all active revenue sources to derive a single maximum eligible limit — giving merchants access to the highest credit they qualify for, based on their full financial footprint.
AI agents process bank statements, credit bureau records, and third-party financial data — producing consolidated underwriting reports. Automated account creation, limit evaluation, and maximum eligible limit calculation complete end-to-end without human intervention.
Seedflex replaces every manual ops step with automated, event-driven workflows — from document processing to collections outreach — with no human intervention in the standard flow.
AI-powered agents process bank statements, credit bureau records, and third-party financial data — producing consolidated underwriting reports. Automated account creation, limit evaluation, and maximum eligible limit calculation complete end-to-end without human intervention.
Credit limits stay current across all sources — whether evaluated from financial records or partner-led revenue data. Limits refresh incrementally as new data arrives, without requiring a full re-application. Merchants receive automated notifications when limits change across every Credit Pocket.
A multi-channel collections engine covering merchant self-service and automated outreach — across shortfall, overdue, and custom repayment scenarios. Collections outreach delivered automatically via Email, SMS, and WhatsApp. Ops teams retain full visibility through a dedicated management interface.
Seedflex's modules connect to the tools partners and merchants already use — from CRMs and payment gateways to communication platforms and regulatory data providers.
The platform exposes webhook and API hooks at every stage of the credit lifecycle — enabling partners to connect Seedflex events to their existing marketing automation, CRM workflows, and communication stacks with minimal engineering effort.
Merchant onboarding, application status, and disbursement events sync to your CRM — keeping sales and CS teams in context without manual data entry.
Collections payment links route through market-native gateways. Local direct debit and online banking rails support automated settlement deductions.
Document parsing, credit bureau data, and eKYC verification feed the AI underwriting engine from market-specific providers.
Limit availability, offer expiry, and credit refresh signals trigger automated campaigns — nurturing merchant activation without manual outreach.
Shortfall alerts, overdue reminders, and limit notifications delivered across all channels — automatically, without manual sending.
Market-specific bank code directories, eKYC, and regulatory reporting connectors ensure compliance is built into every deployment.
Choose the integration depth that matches your platform's engineering maturity and go-to-market timeline.
Share merchant revenue and business data via API. Seedflex handles all underwriting, decisioning, compliance, and collections. Earn risk-adjusted revenue share on every advance — zero credit risk on your balance sheet.
A fully branded lending portal powered by Seedflex's credit stack. Loan ledger, real-time parameters, and application status feed live data into the portal — merchants experience it as entirely your product.
Launch lending natively inside your existing app via partner-led session authentication. Zero redirect, zero friction — merchants see personalised credit offers in context, at the moment of highest intent.
Traditional lenders rely on collateral. Neobanks rely on credit scores. Seedflex uses live cashflow signals — and participates in revenue risk alongside every partner on every advance.
Talk to our team about integration timelines, sandbox access, and revenue share structures tailored to your merchant portfolio.