80 to 90% of Caribbean businesses are micro, small and medium enterprises (MSMEs) and lending is collateral-based due to the absence of a cash-flow record to underwrite.
Sage builds a record as a side effect of paying people. Every verified payout is recorded with details including who paid, for what, when, the refusal share and on both rails. A lender can access this information with a single call and receive JSON data not a PDF.
The record already contains a working capital facility: an advance is sized from verified inflow and repaid automatically from subsequent payouts. It is designed for cooperatives programmes and lenders who wish to price cash flow rather than collateral.