Product USPs & info
Two products, one platform. Know which one you're activating before you write a word of marketing copy: messaging that describes a business loan doesn't work for revenue-based finance.
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Investing in growth
Business loan
For: Banks, neobanks, and software platformsLive and available today
Froda's core SME business loan: a loan of €500 to €100,000 with a fixed weekly repayment amount, repaid over up to 24 months through automatic weekly withdrawals.
The five USPs
Flexible loan amount
€500 to €100,000, sized to the business rather than a one-size offer.
No hidden fees
A fixed price shown upfront, with the total lending cost known before the customer applies.
Apply in minutes
A short, fully digital application inside the partner's app or portal, no paperwork.
Automatic weekly repayments
Repaid via scheduled withdrawals, with no manual steps for the customer or the partner.
Payout within 24h
Approved applications reach the customer's account the same day or next, once signed.
How it works
- Apply in minutes in the partner's app or portal
- Approved applications are paid out within 24 hours
- Fixed price with no hidden fees
- Repaid automatically via weekly withdrawals
Why the partner wants it
- Serves microbusiness customers the partner already has, without new risk appetite or operational load
- Fully digital, no manual reviews on the partner's side
- Froda carries the capital and the credit risk
What's running behind it
The partner shows the front end. This is what Froda runs underneath it, so the partner doesn't have to build it.
Origination
Fixed-price origination
Annuity loan offers display the total lending cost at the point of application, for pricing transparency.
Instant credit limit
Immediate access to a pre-approved credit amount, based on transactional data and risk assessment.
Digital contract signing
Contracts are signed with e-signature, keeping the process legally compliant and fast.
Always-available top-ups
Customers can extend their credit at any time, with the available amount adjusted to their current loan and financial status.
Servicing
Flexible repayment adjustments
Customers can increase or decrease their repayment rate, pause amortization temporarily, or pay off early, free of charge.
Branded monthly reports
Financial summaries generated for the customer's own bookkeeping.
Instant loan payout
Real-time disbursement via Visa or direct bank-to-bank payment.
Direct debit
Automated repayment withdrawals, with no manual chasing needed from the partner.
Risk & compliance
Credit risk carried by Froda
Froda funds the loan and carries the credit risk, not the partner.
KYC & fraud screening
Identity is verified with electronic ID and multi-factor authentication at application and login.
Ongoing monitoring
Transactions and repayment behavior are monitored to flag risk early and prevent defaults before they happen.
How it works, step by step
Step 1
Apply
Apply on the Business Loan page in the App/Portal.
Step 2
Sign the contract
When you've completed the application you'll get a link to your loan agreement that you can sign digitally.
Step 3
Money in your account
If your application is approved, the loan is disbursed right away and you'll have the money in your account within 24 hours.
Step 4
Automatic repayments
The loan is repaid automatically via weekly withdrawals from your account. If you want to pay off your loan early, it's completely free of charge.
Product FAQ
How do I apply?
Apply for a business loan directly through the App/Portal. Simply choose your desired loan amount and repayment period, provide the required information, and receive a loan offer instantly via the platform.
How fast do I receive the money?
Once the application has been approved, you'll receive the money within 24h, if you've signed the agreement.
Who can apply?
To be eligible for a business loan, the company must be registered and operational for at least a few months to allow for a comprehensive assessment. The evaluation is based on sales data, meaning as long as there's some sales history, we can assess the forecast. The business should also meet minimum credit rating requirements to ensure the loan is manageable and supports growth without financial strain.
What is the assessment based on?
The assessment is based on the business's financial performance, real-time transaction data, and advanced risk analysis. This ensures a fair, data-driven evaluation tailored to the business's needs.
Need sales copy? See the Product information & USPs one-pager.
Smoothing uneven sales
Revenue based finance
For: Acquirers, PSPs, and marketplacesLive and available today
An advance sized on the revenue the partner already processes, repaid as an agreed share of daily card takings. Slow weeks repay less, so it flexes with the business.
How it works
- Underwritten on the transaction data the partner already holds
- Offer sized automatically per merchant
- Repayment collected as a share of settlement
- No fixed monthly instalment for the merchant
Why the partner wants it
- New revenue on the merchant base they already serve
- Merchant retention and higher processed volume
- A financing product that never asks the merchant for paperwork
What's running behind it
The partner shows the front end. This is what Froda runs underneath it, so the partner doesn't have to build it.
Underwriting & funding
Transaction-based underwriting
The offer is sized automatically from the transaction data the partner already holds, no separate application data needed.
Credit risk carried by Froda
Froda funds the advance and carries the credit risk, not the partner.
Risk & compliance
KYC & fraud screening
Identity is verified with electronic ID and multi-factor authentication.
Ongoing monitoring
Settlement and repayment patterns are monitored on an ongoing basis to catch risk early.
How it works, step by step
No step-by-step "how it works" content exists for this product yet. Only Business loan has one today.
Product FAQ
No FAQ content exists for this product yet. Only Business loan has one today.