Anticipa uses Kushki's processing data to offer Merchant Cash Advance to merchants who wouldn't otherwise qualify for bank credit.
The challenge
Small merchants in Mexico have very limited access to traditional bank credit. Without a formal credit history, financing working capital or expansion was nearly impossible for thousands of businesses.
The solution
Anticipa integrated Kushki's API to read each merchant's sales history and processing volume. Using that data, it built an alternative scoring model that allows offering advances of up to 80% of projected sales, with automatic deduction from future sales.
The results
More than 1.2 billion pesos in advances granted, with a 60% repeat contract rate demonstrating the value perceived by merchants. Approval time was reduced to 7 days compared to weeks in the traditional banking system.