Limits down to the sub-dealer
A distributor splits its limit across hundreds of sub-dealers and sees usage and risk at every level.
Sectors & ecosystems
White Goods & Electronics
Finance every layer of your dealer network from one platform.
White goods and electronics reach consumers through many layers of dealers and sub-dealers, each with its own cash needs. Paynion gives brands, distributors and financiers a shared view of limits, orders and receivables. Dealers sell more, and suppliers collect with less risk.
Challenges we hear
01
Sub-dealers are hard to see
Risk builds up in sub-dealer layers that the brand and financier have little visibility into.
02
Campaign peaks strain limits
Seasonal campaigns push order volumes up just when dealers need extra credit.
03
Collections spread across channels
Cheques, transfers, card payments and DBS sit in different systems, making reconciliation slow.
04
Consumers expect instalments
Dealers need a simple way to offer instalment financing at the counter.
How Paynion helps
Financing InfrastructureModel your full dealer and sub-dealer hierarchy, allocate and reallocate limits, and send invoices to DBS automatically. Financing companies can offer consumer instalment loans right at the dealer.
FinansZDealers and sub-dealers manage orders, stock, current accounts and e-invoices in one panel, and collect by SoftPOS, virtual POS or payment link.
Use cases
Instalment sales at the counter
A shopper applies for an instalment loan at the dealer; once approved, the dealer is paid and the product leaves the store.
One back office for the dealer
A dealer tracks stock, issues e-invoices and collects card payments from the same app.
How it works
How dealer financing works
- 1
Build the network
The brand or distributor onboards its dealers and sub-dealers.
- 2
Allocate limits
The financier sets limits from trading history and e-invoice data, then splits them across the hierarchy.
- 3
Order from the catalog
Dealers order from the catalog and draw on their limit.
- 4
Supplier gets paid
The brand or distributor is paid once the invoice is approved.
- 5
Collect via DBS
Invoices are submitted to DBS and collected at maturity.
Sectors & ecosystems
See all industriesAutomotive
Dealer financing, spare-parts ordering and collections for OEMs, distributors and their dealer networks.
- Financing Infrastructure
- FinansZ
- Paynion Gate
Agriculture
Input financing and collections for fertiliser, seed, feed and machinery dealers and cooperatives.
- Financing Infrastructure
- FinansZ
Construction & Energy
Open-account financing and receivables management for building materials and fuel distribution.
- Financing Infrastructure
- FinansZ
- Paynion Gate
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.