Embedded finance
Your customers need working capital. You already have the relationship.
If your platform sits between businesses that buy and sell from each other, you are watching every invoice go out and every payment arrive late. Offer the finance yourself, inside your own product, without a licence, a credit team or a balance sheet.
You keep the customer and earn on the volume. We carry the checks, the operations and the funding.
Why a platform wins here
You have the data a lender spends months trying to get.
A financier meeting a new exporter starts from nothing. Who is this company, is the buyer real, has this trade happened before, do the documents match, does anybody pay on time. Answering that takes weeks, and the cost of answering it is most of what makes small trade finance uneconomic.
Your platform already knows. You have the order history, the counterparties, the shipping records and the payment behaviour, for both sides, going back years. That is not a marketing advantage. It is the underwriting file.
Embedded finance is what happens when the company holding that file is also the company offering the money. Your users get a decision in days instead of weeks, because the hard part was already done by them using your product.
How it works
One integration, then it runs.
The finance is ours. The product experience stays yours.
- 01
Decide what you are offering
Cash against invoices for the sellers on your platform, longer terms for the buyers, or both. Most platforms start with one side and add the other once the first is running.
- 02
Connect once
A scoped API key, an agreed data shape, and webhooks in both directions. You push the trade and the counterparties; we push back eligibility, decisions, funding events and settlement.
- 03
Your users apply where they already are
In your interface, in your words, on your domain. There is no redirect to a bank portal and no second login. If you would rather not build the screens, we host them under your brand.
- 04
We do the unglamorous part
Onboarding, counterparty checks, document review, limits, funding and collection. Our operating team works the exceptions, and every step of it leaves a record you can see through the same API.
- 05
You earn on what funds
Revenue share on the volume your platform originates, reconciled monthly against a ledger you can pull yourself.
The short version
- 1 integration
- A scoped key and a webhook endpoint, not a programme of work
- 0 licences
- For you to hold. The regulated activity sits with us and our funding partners
- 0 credit risk
- Taken by your platform. The exposure is ours and our funders'
- 80–90 %
- Of invoice value advanced to the seller on your platform
Indicative. Advance rates and pricing depend on the buyer, the corridor and the documents. What you can offer and where depends on your users' jurisdictions.
What you get
The parts you would otherwise have to build.
All of it reachable from the same key.
- 01 Scoped API access
- Hashed keys with explicit scopes, optional IP allowlists and an expiry, issued per environment. A key can be limited to one company's data, which is how you keep a sandbox honest.
- 02 Webhooks in both directions
- You tell us when a trade happens; we tell you when eligibility changes, a decision lands, money moves or a document is rejected. No polling, and no daily file.
- 03 Your brand on every screen
- Either you build the interface against the API, or you point your users at portal pages we host on your domain with your logo, colours and wording.
- 04 Eligibility before you show a price
- Ask whether a given buyer, seller and corridor is fundable before you put an offer in front of a user. A quiet no is better than an approved-then-declined.
- 05 An operating team behind it
- Document checking, counterparty review and collections are done by people who have done them inside institutional banks. You are not inheriting an operations department.
- 06 Reporting you can reconcile
- Every funded trade, fee and settlement is queryable, so your finance team reconciles against records rather than a statement emailed once a month.
Questions
What platforms ask first.
Does my platform take the credit risk?
No. The exposure sits with TerraTrade and the funding partners behind the facility. Your platform is the distribution channel and the data source, not the lender. If a buyer fails to pay, that is handled in the facility, not on your balance sheet.
Do we need a licence?
Introducing or hosting finance can be a regulated activity depending on where you and your users are, and the honest answer is that it depends on your jurisdiction and exactly what you do. We run the regulated side; you should still take your own advice on your position before launch, and we will give your counsel the detail they need.
What does the integration actually involve?
For most platforms it is a few endpoints: create or update a company, submit a trade with its documents, read eligibility and decisions, and receive webhooks. The first working call usually happens in a day. The longer part is agreeing the data mapping, because your definition of an order and ours are never identical to begin with.
Whose customer is it?
Yours. We do not market to your users, and we do not appear in front of them unless you want us to. The finance agreement is between the user and the facility, which we will explain to them in your words if you host the flow yourself.
How do we earn?
A share of the revenue on the volume your platform originates, set at contract and reconciled monthly. The specifics depend on the product, the corridors and the expected volume, and we will put a concrete model in front of you rather than a range.
Can we start with one country or one segment?
That is usually the sensible way to do it. Pick the corridor where you have the most volume and the cleanest data, prove the numbers there, and widen afterwards. Eligibility is configured per country and per product, so narrowing the launch is a setting rather than a different build.
Next
Send us a month of your order data.
Anonymised is fine. We will come back with how much of it is fundable, in which corridors, and what the economics would look like on your volume.
- A real read on your own book, not a case study
- Corridor by corridor, so you can see where to launch
- No integration work to have the conversation