— 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
Bank facilities
Warehouse, receivables and sponsor-bank facilities negotiated across established banking relationships.
Private credit
Institutional and family-office capital deployed against processed volume and issued portfolios.
Network lending
Working-capital lines, project financing and treasury facilities distributed through the network.
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
Flow analysis
Processing volume, seasonality and receivable behavior are quantified.
- 2
Structure
Facility type, advance rate and covenants matched to the use of proceeds.
- 3
Placement
Presented to bank and private-credit partners already familiar with the model.
- 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.
Continue exploring
Merchant Services
Interchange-plus pricing, statement forensics and hardware that fits how you actually run the counter.
Wi-Fi MonetizationConnected Venues
Turn the wireless network you already own into a recurring revenue line by carrying licensed mobile traffic.
Risk ProtectionInsurance & Risk
Independent placement, claims advocacy and exposure modeling normally reserved for enterprise risk departments.
