We are the engine that allows customer software to provide the right financing product to customers, according to each transaction profile.
To increase economic opportunities for SMEs in a seamless cash flow environment.
How Excellent4 works
Provide cash flow for SMEs with the right options according to each transaction and customer profile.
![API integration for E4](https://cdn.prod.website-files.com/61826312a9c8c646e3189099/65bcc9ad84b8b6f006f78152_E4-API-intergration.png)
![E4 steps](https://cdn.prod.website-files.com/61826312a9c8c646e3189099/65bcd0d719453facc2a27526_E4-Step-Screens-min.png)
Step 1: KYC & KYB
The user only has to do the onboarding once to use the financing services. We take care of all the legal demands and complexity to ensure compliance and a smooth process.
Step 2: User Application & Approval
Your customer chooses the invoice most suitable finance product, and our advanced algorithms quickly assess risk to provide instant approval decisions.
Step 3: Transfer funds
After approval, the user receives the contract and once signed the funds are transferred. We take care of customer support and collection for you.
![E4 API orchestrating finance solution](https://cdn.prod.website-files.com/61826312a9c8c646e3189099/65bcd0cbb304da0f6f064eed_E4-computer-icons-min.png)
Credendo's 100 years of history in a single API
Orchestration Financing Solution
Providing cash flow for micro, small, medium and large enterprises.
![Orchestration finance API](https://cdn.prod.website-files.com/61826312a9c8c646e3189099/65bccfbed78f09c7ba44594b_E4-orchestrating.png)
Instant Loans: Secure quick and hassle-free loans of up to 60,000 EUR, providing immediate financial relief to your users.
![Flexibility](https://cdn.prod.website-files.com/61826312a9c8c646e3189099/65bccf9319cba1828ea25b41_E4-flexibility.png)
Flexibility: Let your users take control. They decide the loan maturity – with options stretching up to 120 days – and the product according to each transaction and customer profile.
![Affordability](https://cdn.prod.website-files.com/61826312a9c8c646e3189099/65bccf86a30f479eab8efc77_E4-affordability.png)
Affordability: Our competitive rates are tailored to match the risk profile of each customer and transaction, ensuring a fair and affordable financing solution.
From Validation to Growth
Integrate our Validation API and display a call to action to your customers to check their eligibility to apply for financing.
Estimated time to implement: 2 days
Set up and measure market traction for invoice financing with your own customer base.
![1](https://cdn.prod.website-files.com/61826312a9c8c646e3189099/65c38813374883a499b4cf75_E4-number-icons-1.png)
Set up and measure market traction for invoice financing with your customer base
![2](https://cdn.prod.website-files.com/61826312a9c8c646e3189099/65c38813fd93c65cbeded8bd_E4-number-icons-2.png)
Define the integration requirements and roadmap; set goals for the first integration
![3](https://cdn.prod.website-files.com/61826312a9c8c646e3189099/65c38813d447a5a2887af180_E4-number-icons-3.png)
Offer your clients a white-labelled one-click financing product under EU regulation
![De-risk your transactions and get paid instantly](https://cdn.prod.website-files.com/61826312a9c8c646e3189099/65bcc75bca2094556ccc50c3_E4-Validation-API.png)
![Portrait photo of Adalberto Rodrigues, MISSION42 venture builder](https://cdn.prod.website-files.com/61826312a9c8c646e3189099/64728dac628c867ed5f53404_Adalberto-portrait-300x300.png)
![Affordability](https://cdn.prod.website-files.com/61826312a9c8c646e3189099/65bccf86a30f479eab8efc77_E4-affordability.png)
Validate your customer base
Hi, I'm Adalberto. Are you ready to elevate your ERP or invoice software to the next level?
Book a meeting with me to validate your customer base and quantify the opportunity.
Join us in reshaping the future of finance.