SOLUTIONS | MERCHANT LENDING
Unlock Lending Revenue Hidden in Merchant Transactions
Merchants are a high value but often overlooked segment of your business portfolio. They generate millions in card transactions — yet banks traditionally don’t leverage the data flowing through these transactions to assess creditworthiness. That means missed opportunities — both for lending growth and merchant loyalty.
RDC.AI helps you turn settlement data into fast, flexible funding offers that keep your merchants growing.
Solution Value
Key Benefits
Merchant Transaction Intelligence
Our AI engine analyzes your merchant customers’ transaction data to understand sales patterns, seasonal fluctuations, and growth trends. This creates a comprehensive picture of merchant business health that goes beyond traditional financial statements, giving you deeper insights into your existing merchant customer base.
Merchant-Specific Risk Assessment
Advanced machine learning models assess repayment capacity by identifying patterns in daily sales volumes, transaction behaviour, and revenue consistency. This enables you to make accurate risk evaluations without requiring collateral or extensive documentation from your merchant customers.
Sales-Based Repayment Matching
The platform calculates optimal repayment rates (typically 10-30% of daily card sales) that align with each merchant’s cash flow patterns. Repayments automatically adjust with sales performance – higher during busy periods, lower during slower times – reducing default risk and improving merchant satisfaction.
Automated Decision Making
AI-powered assessment enables you to deliver lending decisions within minutes, not weeks. The platform supports transparent pricing with a single upfront fee structure, eliminating ongoing interest calculations and providing clarity for both you and your customers.
Solution Capabilities
solution highlights
