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Providing unsecured, data-based credit access for merchants
and enabling financial partners to lend with lower risk and higher transparency.
For Merchants
Access capital seamlessly based on POS transaction history — no collateral, no paperwork, only performance-based financing.
For Financial Partners
Gain real-time insights into merchant cash flow, loan status, and repayment behavior through integrated dashboards – ensuring informed lending and automated risk control.
For the Ecosystem
Strengthening the SME financing landscape with a data-driven model supports sustainable SME growth.
Turning Data into Credit Intelligence
Alliex analyzes POS transaction data, we provide merchants with tailored credit limits and automate repayments with a predefined escrow mechanism — simplifying operations and minimizing default risk.
Real-time dashboards give both merchants and financial partners full transparency over loan performance — enabling funders to lend confidently with reduced default risk.
Streamlined Lending. Transparent from Start to Finish.
Alliex simplifies SME lending through a transparent, data-driven process that minimizes credit risk and accelerates access to capital.
1. Merchant Registration
Merchants apply for a loan directly through the Alliex platform or POS terminal.
2. Data Analysis & Credit Assessment
Alliex analyzes 3–12 months of transaction data to recommend the most suitable loan option
3. Loan Disbursement
Our partner banks or financial institutions disburse funds directly to the merchant.
4. Automated Repayment
Loan repayments are automatically deducted from daily POS settlements based on a predefined escrow rate — ensuring a seamless, transparent, and low-risk repayment process.