Advance Payments

    Working capital
    on demand

    Working capital for your merchants, based on their sales history. AI that approves in minutes and automatic repayment from each transaction. No banks, no guarantees.

    < 0 minTo approve a capital advance
    0%Of monthly flow available as advance
    0Guarantees or bank procedures required
    0%Automatic repayment from transactions

    Simulator

    Calculate your merchant's advance

    Adjust monthly sales to see how much working capital the merchant can receive.

    Average monthly sales

    $ 5.000.000

    $1M COP$50M COP
    $ 0

    Maximum advance available

    0%

    Repayment rate per tx

    0

    Estimated repayment time

    * Indicative simulation. The final amount depends on the AI analysis of sales history.

    The merchant doesn't interrupt operations. Repayment is proportional to sales — if they sell less, they pay less.

    Features

    Smart capital for merchants

    AI credit scoring

    We evaluate sales history, frequency and patterns to calculate a real-time score. No banking bureaucracy.

    Approval in minutes

    The merchant requests the advance from their portal and receives a response in less than 5 minutes. No paperwork.

    Automatic repayment

    A fixed percentage is deducted from each sale until the advance is settled. The merchant doesn't think about installments.

    Up to 60% of monthly flow

    The available amount is calculated based on the average sales of the last 90 days. It grows with the business.

    No risk for the operator

    Portfolio risk can be on Akua or shared. Flexible model according to the partnership agreement.

    Portfolio dashboard

    Complete view of all active advances, repayment rates and recovery projections in real time.

    Capital to grow,
    without friction

    Activate Advance Payments and offer working capital as a differentiating value to your merchants.