Use-cases

What kind of use-cases can be built on Qiro Marketplace

1. Payment Financing

Payment Financing helps businesses manage upfront payments to vendors or suppliers while deferring actual cash outflows. This is especially useful in supply chains or marketplaces where buyers need working capital flexibility without disrupting trade.

• How it works: The financier pays the supplier on behalf of the buyer, and the buyer repays the financier later under agreed terms.

• Use case examples: B2B marketplaces, distributor-dealer models, embedded checkout credit.

• Structure: Typically done via Term Loan Pools with a short-tenure bullet or amortised repayment.

2. Trade Receivables Financing

Trade Receivables Financing allows sellers to unlock the value of their unpaid invoices before the payment due date. It improves liquidity and working capital efficiency for businesses with long receivable cycles.

• How it works: A lender advances capital to a business based on its outstanding invoices (receivables), which are repaid when the buyer settles the invoice.

• Use case examples: FMCG distributors, export receivables, SaaS subscription invoices.

• Structure: Can be structured as either Term Loan or Securitisation Pools depending on scale and recurrence.

3. DePIN Financing (Decentralised Physical Infrastructure Networks)

DePIN Financing supports the development of real-world infrastructure networks (such as mobility, telecom, energy) by financing hardware or asset deployment, often in community-led or decentralized frameworks.

• How it works: Operators or users are financed for purchasing and deploying infrastructure, which then generates yield (e.g., fees or tokens), used to repay the loan.

• Use case examples: EV charging stations, shared mobility assets, IoT networks.

• Structure: Typically Term Loan Pools with structured repayments based on usage/revenue models. Can evolve into Securitisation Pools as portfolios scale.

4. Corporate Credit Financing

Corporate Credit Financing refers to direct loans to businesses for working capital, capex, or operational requirements. These loans are tailored to a company’s cashflow and risk profile.

• How it works: Businesses borrow a fixed amount under predefined terms and repay over time through scheduled installments or bullet repayments.

• Use case examples: SME loans, inventory financing, growth capital.

• Structure: Primarily through Term Loan Pools, but can be tranched if risk segmentation is needed.

5. Cross-Border Payment Financing

Cross-Border Payment Financing helps exporters, freelancers, and global businesses bridge the time gap between service delivery and final settlement from international clients.

• How it works: Financing is provided against verified export invoices, contracts, or remittance pipelines, allowing immediate access to funds before international payment clearance.

• Use case examples: SaaS exporters, IT services, global freelancers, merchant settlements.

• Structure: Often suited for Securitisation Pools, especially when financing is provided against a portfolio of cross-border flows.