Orchestrate multiple financial products from various providers for your wholesale distributors and merchants, leveraging your brand on a fully configurable SaaS platform. Enhance existing merchant offerings, build new solutions, or create bespoke marketplaces. You're in control.
Offer monetization and growth opportunities at the point of need to drive higher merchant retention and strengthen your supply chain.
Solidify the relationships you have with your merchants by offering the exclusive and premier financial services they genuinely need.
Unbundle existing products and reconfigure them into new and valuable offerings you can easily take to your merchants.
Gather and analyze financial and non-financial data for a comprehensive view of your merchant network. Help top performers grow and laggards thrive.
Access premier financial products aggregated from multiple providers to:
Go from concept to market in as little as eight to twelve weeks. Link common banking or bespoke financial services to your existing offerings on a fully branded and completely compliant platform.
Our no-code/low-code environment enables non-banking tech talent to build embedded financial propositions, no matter how complex they are.
The Toqio platform offers a resilient, scalable architecture with bank-grade security and full regulatory compliance. It’s all built in.
Connect to a robust network of trusted third-party financial service and non-financial service providers, all of whom are as compliant as we are.
Build tailored, frictionless, and personalized finance journeys designed for your industry.
Empower your merchants by eliminating cash flow issues and understanding transaction patterns, sales trends, and seasonal fluctuations. Our platform combines flexible financial services at competitive rates. Easily monitor revenue streams like PoS, A2A, digital cash, and DD collections with automated control and visibility.
Key benefit: 5-8% uplift in revenue driven by higher order value and gross merchandise volume.
Distribute cash digitally via topped up cards, digital wallets with control over spending limits, currencies, and more.
Obtain a completely holistic view of your spend with consolidated tracking on our platform.
Key benefit: operational efficiency through automation
Never miss a payment. Streamline distribution network payment processes by connecting your ERP directly to Toqio.
Our solution automates payment rules for bulk collections and offers flexible payment terms, simplifying reconciliation and ensuring timely payments.
Key benefit: ~8% in cost savings driven by automation of manual tasks and faster, more accurate collections.
Unlock financial flexibility for your merchants with access to cash advances and short-term loans using your data. Automate loan repayments and PoS splits and enjoy flexible lending from your balance sheet (optional) or third-party lenders. Incentivize long-term commitments with competitive lending terms.
Key benefit: Achieve a 15-20% financial boost through increased order value and GMV, new revenue streams, and significant cost savings.
Aggregate and integrate data from across multiple sources such as CRM and ERP systems and unlock deep data insights on your merchants to boost productivity, performance, and growth efforts.
Define the views you need to make more informed decisions.
Combine financial and non-financial data to develop valuable targeted financial products, like growth capital loans for top performers. Commercially link products for unified experiences and unique opportunities.
Leverage merchant inventory and revenue data to help financial service providers improve credit assessments and maximize product distribution.
Understand financial exposure throughout all your lending products to align corporate and third-party capital with growth goals.
Automated digital financing solutions including receivables finance, asset based lending, merchant cash advance, growth and invoice financing to meet short-term cash flow needs quickly.
Automated invoice and revenue collections to streamline cash conversion cycles for enhanced control and visibility and improved planning.
Every organization is unique with varying needs. Discover how we can help you optimize opportunities wherever and whenever they occur.
A European brewery embarks upon a new customer retention strategy.
A large Spanish cooperative seeks to engage more with its members.
