Nalu Capital

How Nalu works for your marketplace

01 · INTEGRATE

Integrate

One API connects your marketplace. We ingest sales history and native platform data for underwriting.

02 · UNDERWRITE

Underwrite

The model analyzes cash flow and recurrence on your platform data and issues dynamic limits—no manual review.

03 · FUND

Fund

Nalu and a partner bank disburse in local FX. Your marketplace deploys no capital and takes no balance-sheet risk.

04 · MONETIZE

Monetize

Earn origination fees and GMV uplift. Repayment debits automatically from sales flow inside your platform.

Complete infrastructure for marketplace embedded finance.

Seamless capital, native integration, zero risk.

Book a demo

Capital inside the platform

Marketplaces → Nalu API → merchants. Underwriting and orchestration through a single integration point.

Marketplaces connect to the Nalu API for underwriting and loan orchestration; top scored merchants receive a pre-approved loan.

Platform

Core infrastructure for marketplace growth

Book a demo
  • Automated Underwriting

    Instantly evaluate creditworthiness using native platform data and real-time transaction history.

  • Seamless API Integration

    A single integration point for full-stack lending, from application flow to automated merchant payouts.

  • Risk-Free Deployment

    Nalu handles the balance sheet, compliance, and regulatory overhead while you earn origination fees.

  • Native Merchant Experience

    Maintain your brand identity with white-label components that feel native to your marketplace.

What your merchants see

White-label experience inside your UI: native offers, flexible repayment, and transparent fees—without taking merchants off your platform.

Merchant Aligned Incentives — Pay As You Sell: advance, flat 12% daily sales deduction, variable repayment. No fixed installments, no FX risk, automated settlement.

Ready to scale?

Empower your platform with embedded financial infrastructure. Join Nalu and unlock new revenue streams without the risk.

Book a demo