Credit & Lending

Your volume is collateral. Most lenders never look at it.

Traditional underwriting looks backward at tax returns. We look at the transaction telemetry your business generates every day — settlement volume, chargeback behavior, cohort retention — and use it to secure facilities from banks, private investors and strategic partners. This is what separates a partnership from a vendor relationship: we participate in the risk rather than passing it through.

At a glance

Payment flow is underwriting data. We turn it into capital.

Realtime
Volume and cohort telemetry in underwriting
Bank + PC
Institutional and private credit sources
Aligned
Our capital partners hold skin in the game

How Provident works with you

01

Bank facilities

Warehouse, receivables and sponsor-bank facilities negotiated across established banking relationships.

02

Private credit

Institutional and family-office capital deployed against processed volume and issued portfolios.

03

Network lending

Working-capital lines, project financing and treasury facilities distributed through the network.

04

Data-driven underwriting

Realtime volume, chargeback and cohort telemetry feed risk models continuously — so terms reflect current performance, not last year's return.

The engagement

  1. 1

    Flow analysis

    Processing volume, seasonality and receivable behavior are quantified.

  2. 2

    Structure

    Facility type, advance rate and covenants matched to the use of proceeds.

  3. 3

    Placement

    Presented to bank and private-credit partners already familiar with the model.

  4. 4

    Ongoing capacity

    As volume grows, the collateral base and lending capacity compound with it.

Who this fits

  • High-volume processing merchants
  • Growth-stage platforms and marketplaces
  • Real estate and development operators
  • Equipment-intensive businesses
  • Seasonal businesses managing working capital
  • Acquirers financing add-on transactions

Outcome

Capital priced against how the business actually performs — with an advisor accountable for the outcome, not a broker collecting a fee.