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Financial institutions

Financing Companies

Bring your financing to the point of sale, without paperwork.

Consumer finance, leasing and factoring companies have the funding, but reaching dealers, suppliers and end customers at the moment of purchase is hard. Applications travel by paper, invoices are checked by hand and dealer limits live in spreadsheets. Paynion's financing infrastructure is ready to use, so you can run dealer, supplier and digital financing programmes without building them yourself.

Talk to us about your industry

Challenges we hear

01

Financing misses the point of sale

Customers decide in the store or dealer, but approval happens elsewhere, so the sale goes to cash or another lender.

02

Paper invoices and manual checks

Factoring and supplier finance teams collect, verify and approve invoices by hand, which slows funding.

03

Dealer limits in spreadsheets

Tracking limits across dealers and sub-dealers without a system creates risk and blind spots.

04

Long build times for new programmes

Each new financing product turns into an IT project before a single customer can apply.

How Paynion helps

Financing Infrastructure

Run dealer hierarchies, limit allocation, supplier finance, DBS and digital applications on infrastructure that is ready to go live.

Paynion Gate

Disburse funds and collect repayments over FAST and instant payments, with automated reconciliation into your accounting.

FinansZ

Give dealers a panel to manage orders, collections and current accounts, so financing becomes part of their daily workflow.

Use cases

Consumer finance in the dealer

A consumer finance company lets dealer staff submit applications digitally while the customer is still in the store.

Digital factoring for suppliers

A factoring company captures supplier invoices digitally, gets buyer approval online and funds eligible invoices automatically.

Equipment leasing via dealers

A leasing company assigns limits to equipment dealers, who offer leasing at the point of sale and track it from their own panel.

How it works

How dealer financing reaches the point of sale

  1. 1

    Set up the dealer network

    Load dealers and sub-dealers with their hierarchy and product catalogue.

  2. 2

    Allocate limits

    Assign and adjust limits across the network from one screen.

  3. 3

    Apply at the point of sale

    The dealer submits an individual or corporate application digitally during the sale.

  4. 4

    Approve and disburse

    Your rules evaluate the application and funds are disbursed to the dealer.

  5. 5

    Track repayments

    Collections, limit usage and maturities are monitored in real time.

Financial institutions

See all industries

Banks

Keep SME customers, onboard merchants faster and connect every payment rail through one layer.

  • FinansZ
  • Paynion MerchantHub
  • Paynion Gate
  • Financing Infrastructure
  • AI-Powered Chatbot & Fraud Assistant

Participation Banks

Digital SME, payment and trade-finance infrastructure for participation banks, with gold innovation in R&D.

  • FinansZ
  • Financing Infrastructure
  • Paynion MerchantHub
  • Paynion Gate
  • Gold Wallet

E-Money & Payment Institutions

Launch wallets, cards and transfers on a ready core instead of building ledger, KYC and integrations from scratch.

  • Paynion CoreHub
  • Paynion Gate
  • AI-Powered Chatbot & Fraud Assistant
  • Gold Wallet

Let's launch your first product without touching your existing systems

Tell us which product you want to start with — we'll shape the PoC together.

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