Evolve your financing stack with embedded, lower-cost borrowing-base capital.
Higher advance, less reliance on subordinated capital
Blended Interest rates are 1-3% lower than traditional financing.
Up to 90% senior ABL advance.
Capital that scales with your growth.
Get instant capital, and monitor its flows, borrowing-base utilization, and portfolio performance instantly.
Our dashboard shows how much credit is available and which collateral can be used against it, lets you draw funds, and make repayments automatically.
No meetings, no calls, no humans in the middle.
Embed an ABL facility that scales automatically with receivables or revenue—eliminating repeated approvals and amendments as volume grows.
Use subordinated capital designed to replace traditional mezzanine financing. Cleaner structure, fewer counterparties.
Integrate borrowing-base logic, limits, and repayments directly into your workflows or products through simple lending APIs.
Pymt is built as programmable credit platform. Use our APIs to manage credit limits, eligibility rules, draws, repayments, and availability—without building lending platform from scratch.
Schedule API walkthroughSet up borrowing-base parameters and limits.
Pledge receivables or assets to the facility.
Draw and repay based on real-time balances.
Capacity grows automatically with your business.
Pymt provides capital directly to financial companies, including factoring firms and credit unions, enabling high-growth organizations that rely on receivables or asset-backed cash flows to access scalable liquidity without repeatedly renegotiating their capital structure. Typical users are finance and platform teams seeking institutional-grade asset-backed lending embedded directly into their operations or products.
Pymt can augment or partially replace traditional bank ABL, depending on the use case. Organizations typically use Pymt to increase advance capacity, reduce structural complexity, or embed credit where bank facilities are rigid or slow to scale.
No. Pymt integrates with existing finance, servicing, and accounting workflows of the Financial organizations. Cheaper capital sources, credit logic, borrowing-base calculations, and controls are all managed within the Pymt layer, minimizing the need for changes to day-to-day operations.
Traditional mezzanine financing fills advance gaps with expensive, rigid capital and additional counterparties. Pymt reduces the size of that gap by increasing the portion of capital delivered through senior ABL, and where subordinated capital is used, it is structurally aligned with the senior facility rather than layered on top as a separate product.
Pymt is credit platform. We provide the instutional capital, systems, controls, and APIs that enable borrowing-base-driven credit facilities and connect them to institutional capital. This allows organizations to embed and manage ABL without building or operating lending Platform themselves.
Our team brings decades of experience across finance, banking, and crypto, alongside deep ML, fintech security, and platform expertise from Meta and Uber. This uncommon combination of financial rigor and AI-driven engineering uniquely positions us to deliver scalable, compliant, and production-ready solutions from day one.
Embed scalable Lending Platform and eliminate growth friction.
