PrestaPay is an innovative application designed to transform the way SMEs and distributors access credit to finance their inventories. As a BNPL (Buy Now, Pay Later) solution, PrestaPay connects large businesses, cooperatives, banks and retailers in an ecosystem that makes it easy to obtain credit under competitive conditions and in real time.

How does it work?
PrestaPay integrates three key actors:

1. Large Businesses: These are businesses, industries or distributors that sell products wholesale. PrestaPay allows them to offer a flexible payment option to their customers, which translates into higher sales and better business relationships.

2. Financial Entities: Cooperatives and banks that wish to place credit in the SME market. These lenders can access a wide network of potential customers, diversifying their portfolio and reducing risk thanks to PrestaPay technology.

3. End User: Distributors, subdistributors or retailers who need financing to acquire inventories. With PrestaPay, they can compare credit options from different lenders, select the most convenient one and receive the products immediately while paying in installments.

Main Benefits:

- Financing Offers Market: PrestaPay offers end users the possibility of accessing credit offers without complex procedures or delays. Users can access multiple financing options directly from the app, with clear and transparent terms.

- Improved Cash Flow: End users can keep their businesses supplied without having to spend large sums of money at once, improving their cash flow and allowing them to grow without financial restrictions.

- Innovation in Payment Methods: The application is designed to eliminate friction in the transactional process, allowing merchants to receive immediate payments while end users enjoy flexible payment conditions.

- Risk Reduction: Financial Institutions can diversify their risks by offering loans to a wide range of SMEs through PrestaPay. The platform facilitates customer verification and payment monitoring, ensuring efficient risk management.

Key Features:

- Centralized Dashboard: Large businesses and financial entities have access to a dashboard where they can manage all credit applications, monitor transactions and analyze data in real time to make informed decisions.

- Quick and Simple Process: The end user can generate a credit application in a few minutes, receive multiple offers and select the most convenient one without having to physically visit a financial institution.

- Complete Integration: The tool integrates seamlessly into the systems of large businesses and financial entities, facilitating adoption and use by all actors involved.

- Security and Compliance: PrestaPay complies with local and international regulations on data protection and prevention of money laundering, ensuring that transactions are secure and in accordance with the law.

Conclusion:
PrestaPay is more than just a credit marketplace; is a comprehensive solution designed to revolutionize access to financing in the SME sector. With its advanced technology and its focus on simplicity and efficiency, PrestaPay facilitates the relationship between large businesses, financial institutions and retailers, promoting a more robust and accessible financial ecosystem for all.