Working Capital Finance
Transaction-history-based merchant financing with automated repayment through future sales.
Definition
Working Capital Finance provides merchants with access to financing based on their actual transaction history rather than traditional credit scores. Repayment flows automatically through future sales, removing administrative burden and default risk. This solves a critical constraint to growth for small businesses — access to liquidity tied to their real business performance, not a bank's risk appetite. Commercial banks participate in merchant financing with enhanced risk assessment through real-time transaction data. Working Capital Finance is one of the six revenue streams in the FORUS economic model.
Software-based point-of-sale that turns any smartphone into a payment terminal — no hardware needed.
Revenue allocation formula: 20% FORUS Global, 20% development fund, 60% to channel partners.