Unlock Lending Revenue Hidden in Merchant Transactions
RDC.AI Merchant Lending lets banks and acquirers lend to their merchant customers using the card settlement data already flowing through their systems. It assesses merchant creditworthiness from daily sales volumes, transaction behavior and revenue consistency rather than from financial statements, then structures repayment as a percentage of daily card sales, typically 10% to 30%. Decisions are delivered in minutes rather than weeks, with a single upfront fee instead of ongoing interest calculations. Repayments flex with trading, so they fall automatically when sales slow.
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Lending built on how merchants actually trade
Merchants put millions in card transactions through your bank, yet that data rarely informs who you lend to. So good businesses end up with fixed terms or expensive overdrafts that ignore their cash flow.
RDC.AI Merchant Lending changes that. It's a technology platform that lets your bank assess, approve and manage merchant loans using the settlement data already flowing through your payment systems. Credit is based on daily takings, repayments flex with sales, and payment processing relationships become full banking partnerships.
From card sales to credit decision to daily repayment
RDC.AI's risk models analyze each merchant's transaction patterns, seasonal trends and payment behavior to gauge what they can comfortably repay. Automated decision strategies, configured to your credit policy, then approve eligible merchants in minutes, with minimal paperwork.
Once funded, repayments come from a share of daily card sales, rising on busy days and easing on quiet ones. Every payment is matched daily, and missed or irregular payments raise alerts, backed by dashboards and audit trails. Throughout, your bank stays the lender: your balance sheet, your risk appetite, your credit policy.
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 behavior, 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.
Frequently Asked Questions
How is repayment structured?
As a percentage of daily card sales, typically 10 to 30%, calculated to match each merchant's cash flow pattern. Repayments adjust automatically with sales performance, so they are higher in busy periods and lower in slower ones.
Does the bank lend on its own balance sheet?
Yes. RDC.AI provides the decisioning and intelligence layer. The lending, the balance sheet, the risk appetite and the credit policy remain yours.
How does this differ from a merchant cash advance provider?
Merchant cash advance providers typically fund merchants themselves, or through a funding partner, on their own commercial terms. RDC.AI is a technology layer that lets your institution originate and monitor merchant finance on its own book, inside its own governance.