Advancing working capital financing for small companies
Evolving a digital financing product that provides faster access to funding through silent factoring and credit facilities.
Client
A working capital financing platform helping small businesses access funding by turning open invoices into immediate capital. It supports silent factoring, credit line activation and repayment management so businesses can cover operational costs without waiting for customer payments.
Challenge
Business growth relied on balancing customer confidence with changing technical and regulatory requirements.
Financing transparency
Small companies needed a clearer understanding of financing eligibility, available funding and repayment obligations so they could make informed financial decisions with confidence.
Banking connectivity
Connecting new banking and financial systems created integration complexity because each provider introduced different APIs, data structures and implementation requirements.
Risk and compliance
Supporting regulatory requirements required secure verification, document handling and compliance processes without adding unnecessary operational complexity.
Solution
- 01
Financing experience
Designed and optimized the complete financing journey, from onboarding and verification to invoice submission, credit activation and repayment flows.
- 02
Banking integrations
Engineered a flexible integration layer that reduced the effort required to connect new banking and financial systems while keeping the core platform independent of provider-specific APIs.
- 03
Compliance infrastructure
Established a compliance foundation that simplified adapting the platform to evolving regulatory requirements while keeping compliance capabilities consistent.
Result
The product became easier to expand and more efficient for businesses seeking funding.
Get in touchFaster financing completion
Higher application conversion
Reduced banking integration time
Less engineering effort for compliance updates
Technologies used
Core technologies selected to support the product architecture.
React
TypeScript- React Native
Ruby
Node.js
PostgreSQL
AWS
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Get in touchWhy Mountalis
Product Thinking First
We challenge assumptions early and help shape key decisions before engineering begins.
Senior Ownership
Senior engineers stay directly involved in product decisions, architecture and delivery.
Built for Regulated Markets
We design systems with security, auditability and compliance considered from the start.
Aligned Execution
We keep strategy, engineering and business priorities aligned across the lifecycle.
Validation Before Scale
We reduce unnecessary scope early so new initiatives reach validation with less operational overhead.
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