Simplify onboarding and repayments for SMBs selling on installments

Simplify onboarding and repayments for SMBs selling on installments targets a $12.0B = 30M retailers and SMBs globally that run installment or financing plans × $400 ACV per business total addressable market with medium saturation and a year-over-year growth rate of 12% YoY — combining SMB SaaS and BNPL growth estimates (sources: Statista & World Bank SMB digitization reports).

Key trends driving demand: Trend: Growing BNPL and merchant finance adoption — merchants increasingly want turnkey ways to offer instalments without building credit infrastructure.; Trend: PSPs and payment APIs are maturing — easier integrations reduce time-to-market for merchant-focused finance products.; Trend: Mobile-first adoption in emerging markets — smartphone ubiquity enables merchant apps for onboarding and payment collection.; Trend: AI-driven automation reduces manual collections — predictive reminders and scoring can materially lower delinquency and labor costs..