1-2% Cheaper
Most Cost-Efficient
85-100% LTV
Higher Loan-to-Value
45-90 Days
2-4x Faster Setup to Close
$10-100M+
Scalable Facility
With deep asset-backed finance expertise, our single platform allows you to get efficient access to scalable financing backed by institutional and retail liquidity. Built for the next generation of lending.
Non-bank lenders and consumer fintechs face expensive fees, slow timelines, and complex funding operations. Craftt’s tokenized credit platform is designed to change that.
Scaling a lending business means navigating warehouse financing with rigid covenants, equity components that dilute founders, and capital calls with costly dwell time.
Traditional private credit funding sources:
Craftt empowers lenders to access flexible, institutional-quality asset-backed financing and forward-flow arrangements, with full efficiency and transparency.
We structure facilities with focus on consumer finance, backed by your loan receivables: BNPL, Earned Wage Access, Credit Cards, Unsecured Consumer Loans, Installment Loans.
Better economics on every facility at 1-2% cheaper without heavy intermediaries.
Borrow more at 85-100% of receivables pledges with faster capital deployment.
Access both institutional and retail capital for diversified, risk-adjusted yields.
Expand your loan book automatically and efficiently with your origination volume. No renegotiations or new facility arrangements.
No equity kickers, no warrants, no profit participation. Keep full ownership for the growth capital you need.
Automated API reporting with real-time portfolio visibility. Less manual ops work for your entire team.
Call funds at the exact point of transaction: no dwell costs, no idle capital – capital efficiency for high-velocity originators.*
Option to access a portable, privacy-first credit identity to enhance underwriting while preserving borrower privacy.*
Lenders across regions can access a unified and programmable liquidity layer with standardized infrastructure.
*We are actively seeking design partners to co-build these features. Please reach out if interested: partnerships@craftt.co.
Craftt structures and manages your credit facilities end-to-end, from initial assessment to ongoing monitoring.
We evaluate your origination track record and growth trajectory, then structure and offer a warehouse facility or a forward flow arrangement that best fit your needs.
Our streamlined legal documentations and execution simplifies negotiations and facilitates quicker closing.
Seamless drawdown of funds and reporting to minimize your operational burden.
(Just-in-time funding coming soon).
It is similar to a traditional warehouse facility. Tokenization broadens the type of investors that can invest in this asset class. In addition, blockchain technology further enhances transparency and efficiency in the lending process.
Traditional warehouse lines are expensive, rigid, and slow to set up. Craftt’s tokenized liquidity is cheaper for you to setup. It is expandable as your book grows, and you can draw funds in a just-in-time manner at the exact point of transaction when needed.
Consumer finance receivables, including BNPL portfolios, instalment loans, earned wage access, and consumer loans. No current support for business receivables, real estate, or physical asset collateral.
With non-dilutive asset-backed financing through Craftt, you can fund the growth of your lending business without giving up ownership of your company. There are no equity kickers, warrants, or profit participation requirements. Most specialty finance originators use this structure to scale lending activity.
Traditional asset backed facilities typically locks you into a pre-determined drawdown schedule with limited flexibility. Just-in-time funding allows fintechs to call capital at the exact point of transaction rather than pre-funding a facility and paying dwell costs on idle capital. This is transformational especially for high-volume originators. It is on Craftt's near-term roadmap, and we’re actively seeking design partners to shape the implementation.
Craftt is championing the development of Open Finance ID, an open-source privacy-first credit identity layer built for the industry. It creates a portable, verifiable credit reputation that operates on shared economics. It aims to reduce duplicated underwriting costs while preserving borrower privacy through zero-knowledge proofs and selective disclosure. We’re actively seeking design partners to shape the implementation.