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Gain access to flexible financing with xencapital when you need it, that traditional banks won’t give you.

Working capital on your terms

Businesses using Xendit are some of the fastest growing businesses. Traditional lenders don’t know how to serve you, requiring long applications and personal guarantees. Replacing that ancient model is xencapital with fast, flexible financing that allows you to invest in your growth.

How it works

Check your eligibility

Talk to your sales representative to see how you and Xendit can work together.

Select the amount you want

Refer your customers or vendors to apply for credit limit.

Funds get transferred to your account

a. Customers can utilize their credit limit towards purchases on your platform.

b. Vendors can utilize their credit limit towards financing their capital needs.

Pay back as you earn money

a. We'll settle the funds immediately to your account less applicable merchant discount rate.

b. We'll share you interest income we receive from your vendors as they repay.

Get funds quickly

We rely primarily on your payments history on Xendit to determine your eligibility. No lengthy or complex process, with funds arriving as fast as tomorrow.

Simple, transparent rates

We quote you APR (Annual Percentage Rate) instead of fixed rates which traditional lenders do to cost you more. We don't require personal guarantees, we don't hide fees or add complex terms.

Pay when you get paid

Repayment is automated from your account as you get paid. This means you can focus on growing your business, and don't need to worry about late fees or administering your loan.

Boost your growth by helping your suppliers and customers grow

Extend loans to vendors or customers on your platform to strengthen your supplier or customer relationships and further support growth of transactions on your platform.

0% 30-day term of payment for your customers

Majority of business customers expect payment terms when conducting purchases. Now you can free up your working capital, while increasing the basket size of your customers' purchases on your platform.

Expansion capital for your vendors

Whether it is a new location for business expansion, renovation needs or business purchases - we'll help your vendors with capital to grow and support your business.

Shorten working capital cycles for your vendors

Most small B2B vendors struggle with long-payment cycles from their customers, which limits their capacity to fullfill orders on your platform. We can help them alleviate their cashflow gap so they can further transact on your platform.

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