Question 1

How is this different from a traditional credit line?

Accepted Answer

A bankruptcy-remote facility is structured to isolate the financing vehicle from operating company liabilities, which can strengthen risk management and capital certainty. Unlike a conventional credit line, it is designed around payments economics, portfolio performance, and execution resilience rather than general corporate borrowing capacity.

Question 2

How is a fully funded facility structured?

Accepted Answer

A fully funded capital facility is typically established through a dedicated structure with committed capital sized to the acquirer’s growth plan, receivables profile, and operating model. Terms are tailored to transaction flows, risk controls, reporting requirements, and partner obligations so the facility aligns with how Payments Acquirers scale.

Question 3

How quickly can capital be put in place?

Accepted Answer

Timing depends on complexity, diligence readiness, and documentation, but well-prepared opportunities can generally move from evaluation to execution in a matter of weeks rather than months. An organized underwriting process, clear data access, and defined legal workstreams help accelerate closing.

Question 4

Can it support partner launches?

Accepted Answer

Yes, a properly structured facility can support new partner, channel, and distribution launches by demonstrating committed funding capacity in advance. This can improve execution readiness, reduce friction in commercial discussions, and help acquirers scale relationships without overextending internal liquidity.

Question 5

How does it preserve liquidity?

Accepted Answer

The facility is designed to fund growth initiatives without requiring the acquirer to rely solely on operating cash or broad balance sheet expansion. That helps preserve liquidity for core operations while still supporting top-line growth, portfolio expansion, and disciplined risk management.

Question 6

What is required to evaluate fit?

Accepted Answer

An initial review typically includes portfolio and processing data, financial statements, partner concentration, loss and reserve metrics, and details on the intended use of proceeds. Evaluation also covers economics, controls, structural considerations, fees, regulatory requirements, and security provisions to determine whether the facility is an appropriate fit.

Unlocking payments growth

Built by industry veterans in payments and capital markets

Growth requires managing credit risk. That comes at a cost.

Growth needs volume, and volume adds exposure

Capital is needed to protect yourself

Revenue is left on the table

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Onboard high-value merchants

Capture additional volume from existing merchants

Meet capital equivalency requirements

See what makes our approach different

We help payment companies grow faster

Managing merchant verticals carrying significant credit risk

Working across multiple geographies

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Complying with capital equivalency requirements from networks and regulators

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